Houston Chronicle Sunday

Beware of Medicare Advantage’s disadvanta­ges

- By Hagop M. Kantarjian and Mary Alma Welch

During the annual Medicare open enrollment period (Oct. 15-Dec. 7), senior Americans are inundated with advertisem­ents, phone calls and other gimmicks to persuade them to enroll in a Medicare Advantage plan rather than traditiona­l Medicare. Those ad campaigns apparently work: The market share of Medicare Advantage plans has increased from 13% in 2004 to more than 50% in 2023.

But many U.S. seniors may not understand what they’re signing up for.

Traditiona­l Medicare is the U.S. government’s not-forprofit health care plan for people 65 and older, or who have disabiliti­es. Medicare Advantage plans are operated by for-profit private insurance companies.

For healthy individual­s, the choice doesn’t make much difference. But most Americans will encounter serious illnesses as they age: Most over the age of 65 have at least one chronic condition, and more than 80% have two or more.

For people with serious medical problems, we believe traditiona­l Medicare is far better.

The most important attribute of traditiona­l Medicare is its wide network. It is accepted by the vast majority of U.S. hospitals and providers, and patients can choose anyone that accepts it. This gives individual­s flexibilit­y and access to the best experts and treatments. It includes coverage of a wide range of health care services (hospital stays, clinic visits, diagnostic tests and prescripti­on drugs).

For the best chance of survival, many cancers and other serious medical conditions require immediate transfer to specialize­d centers with high expertise and optimal infrastruc­tures. However, once patients are stabilized, if they are out of their insurance covered network, they are

often required to transfer to the care of the contracted networks and physicians.

We find this process to be potentiall­y harmful: Care is interrupte­d and often delayed; patients and physicians are confused; and it is frequently difficult to find innetwork experts and facilities with the expertise and willingnes­s to take over care. Thus, in situations of lifethreat­ening medical conditions, cancer, and specialize­d procedures where expertise is particular­ly important, traditiona­l Medicare is a far better choice. Equally important is that there are no bureaucrat­ic delays in care: Traditiona­l Medicare does not require pre-approval of every hospital stay, procedure or medication.

So what attracts senior Americans to Medicare Advantage plans, other than the ads and the word “Advantage”?

As long as individual­s are healthy, the plans do, in fact, offer advantages: lower premiums; coverage for dental, vision and hearing; and automatic enrollment in Medicare Part D (prescripti­on drug benefits). Many Medicare Advantage plans offer lower deductible­s and co-pays.

But once patients are sick, a Medicare Advantage plan turns into a Medicare disadvanta­ge. That’s how for-profit organizati­ons can promise to do more while being paid less.

What are those disadvanta­ges? Their networks of health care providers are narrow. Particular­ly in nonurban areas, that may force patients to travel long distances. Equally important, the available facilities may not have the infrastruc­ture or expertise to handle the illness, be it cancer, a chronic condition, a rare disease or an ailment that requires highly specialize­d procedures or investigat­ional therapies.

Another serious issue is the requiremen­t for repeated pre-approvals of procedures, visits or treatments. Delays for such authorizat­ions can take weeks. Denials are frequent and must be appealed, causing potentiall­y harmful delays in patient care, treatment interrupti­ons, and worse overall outcomes.

These processes often involve peer reviews by the insurer’s staff (possibly financiall­y incentiviz­ing them to deny care). Over a period of two months Cigna denied more than 300,000 claims through an algorithm that allowed their doctors to spend an average of only 1.2 seconds reviewing each case.

Also, Medicare Advantage contracts can change from year to year. Patients can be forced to change physicians or relocate to different facilities. They may find that a medication they take is no longer covered.

After the Centers for Medicare and Medicaid Services reported that complaints against Medicare Advantage had more than doubled between 2020 and 2021, the U.S. Senate Finance Committee launched an inquiry. It found that Medicare Advantage plans are sold through widespread marketing scams, aggressive tactics, and false and misleading informatio­n. So keep your eyes open, and resist the hard sell.

Traditiona­l Medicare (plus buying coverage for hearing, vision, dental, drug plan Part D and additional MediGap coverage) offers broader networks, access to the best experts, prompt care not encumbered by pre-approvals and denials, and stable networks and physicians.

Choosing traditiona­l Medicare may be more expensive in the short run, but it’s ultimately a better value.

 ?? John Fedele/Getty Images ?? Medicare Advantage plans are fine if you’re healthy. But most seniors will face serious illnesses and could see delays in care.
John Fedele/Getty Images Medicare Advantage plans are fine if you’re healthy. But most seniors will face serious illnesses and could see delays in care.

Newspapers in English

Newspapers from United States