Academic journal article Health Care Financing Review

Supplemental Insurance for Community Aged and Disabled Beneficiaries: 1999. (MCBS Highlights)

Academic journal article Health Care Financing Review

Supplemental Insurance for Community Aged and Disabled Beneficiaries: 1999. (MCBS Highlights)

Article excerpt

INTRODUCTION

The Medicare Current Beneficiary Survey is a powerful tool for analyzing the Medicare population. Based on a stratified random sample of about 16,000 beneficiaries, the Access to Care File provides detailed information on types of supplemental insurance held by Medicare beneficiaries. The insurance counts are a point in time estimate based on interviews conducted with community-dwelling beneficiaries in fall 1999. Beneficiaries' insurance policies and drug coverage status are self-reported.

FINDINGS

* Over 10 million beneficiaries residing in the community had an employer-sponsored supplemental insurance plan in 1999 (Figure 1). Of those, nearly 8 1/2 million had plans that covered prescription drugs.

[FIGURE 1 OMITTED]

* While nearly 8 million beneficiaries had a medigap plan, only about 2 million of those beneficiaries had drug coverage.

* Over 6 million beneficiaries belonged to a Medicare risk health maintenance organization (HMO) and over 90 percent of those beneficiaries reported having drug coverage.

* In contrast to the Medicare population as a whole, over one-third of the disabled population receives Medicaid assistance and nearly one-quarter have no supplemental insurance (Figure 2). …

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