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预期自付费用:比较医疗保险优势计划与按服务收费的医疗保险。

Expected Out-Of-Pocket Costs: Comparing Medicare Advantage With Fee-For-Service Medicare.

机构信息

Benedic Ippolito (

Erin Trish, University of Southern California, Los Angeles, California.

出版信息

Health Aff (Millwood). 2024 Nov;43(11):1502-1507. doi: 10.1377/hlthaff.2024.00295.

Abstract

We compared the generosity of Medicare plans in terms of out-of-pocket costs attributable to cost sharing and premiums, including both basic and supplemental services. From 2014 through 2019, projected out-of-pocket costs for a typical enrollee were 18-24 percent lower in Medicare Advantage than traditional fee-for-service Medicare.

摘要

我们比较了医疗保险计划在自付费用方面的慷慨程度,这些费用归因于成本分担和保费,包括基本服务和补充服务。从 2014 年到 2019 年,与传统的按服务收费的医疗保险相比,医疗保险优势计划中典型参保人的预计自付费用低 18-24%。

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