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Yo_Mama_Been_Loggin

(135,640 posts)
Thu Sep 21, 2023, 07:51 PM Sep 2023

New Reports Examine the Impact of Medicare Advantage Advertising

Two new KFF research reports capture the prolific—and often problematic—nature of Medicare Advantage (MA) television advertisements during Medicare’s fall open enrollment period, as well as the impact of such marketing practices on beneficiaries. Yesterday, Medicare Rights joined KFF to discuss this important topic, including potential solutions for some of the identified problems. This week, we examine the first report, How Health Insurers and Brokers Are Marketing Medicare. We will continue our analysis with the second report, What Do People with Medicare Think About the Role of Marketing, Shopping for Medicare Options, and Their Coverage?, in next week’s Medicare Watch.

The open enrollment period for MA and Part D runs from October 15 through December 7 each year. Beginning October 1, insurers, brokers, and other third-party entities can begin marketing their plans, including through television ads. In advance of this year’s ad blitz, KFF reviewed television spots that aired last fall, examining plan marketing strategies in depth. Key takeaways include:

MA ads were common during the annual enrollment period.

TV airways were flooded with ads for Medicare plans. There were 643,852 airings of English-language Medicare ads run on broadcast television and national cable between October 1, 2022, and December 7, 2022, an average of more than 9,500 airings per day. This is more than were seen for any individual Healthcare.gov open enrollment period between 2013 and 2018. Most—four of every five ads—were sponsored by health insurers, with the remaining sponsored by brokers and other third-party entities, such as marketing companies. Some TV ads used celebrity endorsements to promote MA.Joe Namath was featured more often than any other celebrity, appearing in nearly 10% of all MA ads.

https://www.medicarerights.org/medicare-watch/2023/09/21/new-reports-examine-the-impact-of-medicare-advantage-advertising

26 replies = new reply since forum marked as read
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New Reports Examine the Impact of Medicare Advantage Advertising (Original Post) Yo_Mama_Been_Loggin Sep 2023 OP
Personally claudette Sep 2023 #1
You are 100% right rurallib Sep 2023 #3
That's what I read claudette Sep 2023 #20
Yep. Not much protection and they change coverage constantly from what my friends say Attilatheblond Sep 2023 #9
yep claudette Sep 2023 #21
If it is publicly available you are likely right. LiberalFighter Sep 2023 #17
Mine too claudette Sep 2023 #22
Aren't there 30 million on advantage plans? jimfields33 Sep 2023 #2
No monthly cost? Yo_Mama_Been_Loggin Sep 2023 #4
I read a little. I guess the advantage plan is free but you still have to pay part B jimfields33 Sep 2023 #5
Yup. And lots of freebies. UNTIL you need expensive care. TygrBright Sep 2023 #7
every on of my friends with 'advantage' has to hunt up new primary caregiver every year or two Attilatheblond Sep 2023 #10
These plans are managed by private insurance companies and yellowdogintexas Sep 2023 #12
That's why claudette Sep 2023 #23
Part D is complicated. I found signing up for Part B to yellowdogintexas Sep 2023 #15
What are the copays? Deductibles? Part D available? How much are Rx? LiberalFighter Sep 2023 #18
I do not understand the trashing of Medicare Advantage plans. PoindexterOglethorpe Sep 2023 #6
They sure do make it sound better Tree Lady Sep 2023 #8
just don't try to see a provider outside your plan's network yellowdogintexas Sep 2023 #11
Don't worry I am with regular medicare Tree Lady Sep 2023 #14
I pay $202 a month for parts B & D Yo_Mama_Been_Loggin Sep 2023 #19
Same with us except we have D Tree Lady Sep 2023 #25
Those bastids have my number and they bother me at least 5 times a day blogslug Sep 2023 #13
I get calls nearly every day. LiberalFighter Sep 2023 #16
This message was self-deleted by its author elocs Sep 2023 #24
It's all too damn confusing. Took me forever to find a doctor who was accepting IcyPeas Sep 2023 #26
 

claudette

(5,455 posts)
20. That's what I read
Thu Sep 21, 2023, 08:57 PM
Sep 2023

Just using the word "Medicare" will fool a lot of older adults into thinking it's a good deal. I have had NO problem with regular Medicare. My supplemental plan (through my former employer) is really good, too. I've been very lucky.

I just feel sorry for those who fall for those CONSTANT "advantage" ads!

Attilatheblond

(8,869 posts)
9. Yep. Not much protection and they change coverage constantly from what my friends say
Thu Sep 21, 2023, 08:32 PM
Sep 2023

I'll stick with regular Medicare and keep the Fed Employees Blue Cross Blue Shield for retirees. That insurer isn't likely to mess with people in a plan that big. It'd be corporate suicide.

Great coverage combo, almost all providers are covered, I only get a $5 co-pay per Rx bill and have yet to run into a service not 100% covered by the two insurers.

LiberalFighter

(53,544 posts)
17. If it is publicly available you are likely right.
Thu Sep 21, 2023, 08:52 PM
Sep 2023

I have a plan thru the UAW Trust. I don't pay any monthly premium except for the Part B. Costs for us will be much lower in 2024. A lot of perks and programs.

 

claudette

(5,455 posts)
22. Mine too
Thu Sep 21, 2023, 09:00 PM
Sep 2023

I read about the "advantage" plans and don't see any advantage for me over the plans I have.

 

jimfields33

(19,382 posts)
2. Aren't there 30 million on advantage plans?
Thu Sep 21, 2023, 07:58 PM
Sep 2023

I’m 54 so I am not even close. But I’ve known a lot of seniors who like the plans. I don’t know if they don’t mind the costs that may occur, but I know they like the grocery money they get monthly and the no monthly costs in some plans. I’m not sure how you are going to force them back to traditional Medicare especially since the government likes these (or so I’ve heard).

 

jimfields33

(19,382 posts)
5. I read a little. I guess the advantage plan is free but you still have to pay part B
Thu Sep 21, 2023, 08:06 PM
Sep 2023

for 164.00 a month.

TygrBright

(21,360 posts)
7. Yup. And lots of freebies. UNTIL you need expensive care.
Thu Sep 21, 2023, 08:16 PM
Sep 2023

Then, SURPRISE! You're not covered for that. Or you're denied because reasons.

They will offer you all kinds of things they can get lucratively reimbursed from the Feds for, whether you need it or not. Screenings out the wazzoo. "Wellness checks" from hell to breakfast.

And a lot of times they'll -surprise, surprise- FIND THINGS that you should looked at in more detail! More lucratively Federally-reimbursed diagnostic procedures and stuff. More appointments, for which they can bill the taxpayers.

Everything easy, cheap or FREE to you! LOTS of it... including tons of shit you don't need, and plenty of things that will have you worrying for a few weeks until all the screenings and checks and diagnostic tests are done and there isn't really much to do to fix it except maybe MORE PILLS.

The taxpayers, of course, get shafted left right and center for all this.

You may well end up juggling a bunch of prescriptions and even OTC meds for stuff that you really may or may not need, that really may or may not be doing you any good... and, in fact, may have side effects that keep you feeling seedy on a regular basis, but, hey... it's all for wellness and preventive medicine and good maintenance practice to Stave Off The Worst.

And then, someday, if you're unlucky, The Worst will arrive.

And your friendly, accommodating Advantage Plan will deny coverage, sorry.

Yeah... it's a great deal for the subscriber, unless you want to be able to see specialists without getting a preauthorization from your Advantage plan. Or unless you need actual care for an actual issue.

On the other hand, the process of actually signing up for basic Medicare, plus Part D and, if you want (and it's a good idea) a Medicare Supplement plan, can be painful enough to make you WISH you'd gone with an Advantage plan coz they make those REAL easy.

But it's worth the trouble.

helpfully,
Bright

Attilatheblond

(8,869 posts)
10. every on of my friends with 'advantage' has to hunt up new primary caregiver every year or two
Thu Sep 21, 2023, 08:35 PM
Sep 2023

The private insurers seem to constantly dicker with doctors and that too often means people can't stay with one practitioner year after year. TOO much hassle to scrounge around and get new providers.

yellowdogintexas

(23,694 posts)
12. These plans are managed by private insurance companies and
Thu Sep 21, 2023, 08:44 PM
Sep 2023

are designed for one purpose: PROFIT.
With Part B, you can see any doctor who accepts Medicare.
Most doctors who do so stay with the plan.

Traditional Medicare is the same no matter where you seek treatment.

The plan is not designed to generate profit; there is an overhead built into the annual budget which takes care of facility management, raises, office equipment etc.

The plan has been working just about flawlessly since 1965 and has the lowest error ratio, lowest cost per claim,& fastest claim turnaround in the insurance industry.

I was a claims analyst for a Part B contractor and of all the plans I have worked with, it was by far the easiest to process and understand.










































































yellowdogintexas

(23,694 posts)
15. Part D is complicated. I found signing up for Part B to
Thu Sep 21, 2023, 08:49 PM
Sep 2023

be simple on Medicare.gov. I will review my Plan D to see if I can do better for next year. Usually I do not need to make a change.

It's easy to get a supplement if you want one, there are tons of insurance folks eager to sell you one.

There are a number of different versions of supplements, they are consistent from state to state. Plan A will have the same coverage in every state, and all down the alphabet.

PoindexterOglethorpe

(28,493 posts)
6. I do not understand the trashing of Medicare Advantage plans.
Thu Sep 21, 2023, 08:14 PM
Sep 2023

I have one. It costs me nothing extra, and has a bunch of benefits plain Medicare does not have.

I don't ever see ads for them, simply because I don't own a regular TV. Oh, I watch TV, mainly through streaming. So, no ads. So I didn't base my choice of plans by what some celebrity spokesperson said.

Tree Lady

(13,280 posts)
8. They sure do make it sound better
Thu Sep 21, 2023, 08:17 PM
Sep 2023

A lady in my senior class said she loves it. They pay for one crown a year, cleanings and she sees her own doc, has never had a problem.

From what I hear its only bad if you have expensive medication or hospital stuff.

I have paid out thousands to my dentist the last 5 yrs redoing old crowns.

Regular dental insurance covers almost nothing of that why I didn't get.

We both have cheap meds and rarely go to doc, but I am afraid to change for fear something would happen.

yellowdogintexas

(23,694 posts)
11. just don't try to see a provider outside your plan's network
Thu Sep 21, 2023, 08:36 PM
Sep 2023

Out of network is always a great deal more costly, regardless of the plan.

Anyone who travels should stick with Part B because there are not networks; you can be treated anywhere in the US by any provider who accepts Medicare.

Tree Lady

(13,280 posts)
14. Don't worry I am with regular medicare
Thu Sep 21, 2023, 08:45 PM
Sep 2023

just watching others enjoy advantage. We do travel so don't want any problems.

Yo_Mama_Been_Loggin

(135,640 posts)
19. I pay $202 a month for parts B & D
Thu Sep 21, 2023, 08:54 PM
Sep 2023

Part A is free for everyone. $165 for B which covers hospital stays while my part D (medication) is $37 a month.

Haven't had a hospital stay yet but the last time I did it (pre-Medicare) it would have been six figures without insurance.

I'm glad I have both.

Tree Lady

(13,280 posts)
25. Same with us except we have D
Thu Sep 21, 2023, 10:01 PM
Sep 2023

Along with supplement from employer.

We pay $160/ a month for both of us.

Plus the B $164 per person.

Response to Yo_Mama_Been_Loggin (Original post)

IcyPeas

(25,472 posts)
26. It's all too damn confusing. Took me forever to find a doctor who was accepting
Fri Sep 22, 2023, 12:30 AM
Sep 2023

new Medicare patients. I called nearly 30 doctors offices from Medicare's own search tool. And they all said they were not accepting new Medicare patients and/or asked if I had another insurance plan too.

It's very misleading... they love to say you can go to ANY doctor who takes Medicare. They don't say good luck actually finding a doctor. (This was my experience, YMMV)

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