比较有癌症病史和无癌症病史受益人的医疗保险计划选择情况

Shelley A Jazowski, Emma M Achola, Lauren H. Nicholas, William A Wood, Christopher R Friese, S. Dusetzina
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引用次数: 0

摘要

加入医疗保险的老年人必须在不同的计划中做出选择,这些计划在福利范围、获得医疗服务提供者服务的机会以及自付费用方面各不相同。在面临复杂的保险决策时,尚不清楚老年人是否会考虑他们以前患重病的经历或目前的医疗状况。我们估算了 2008 年至 2020 年间加入医疗保险的 3,811 名 "健康与退休研究"(Health and Retirement Study)参与者中自我报告的癌症病史与初始计划选择之间的关联。有癌症病史和没有癌症病史的人选择医疗保险优势计划的比例相似;但是,与没有癌症病史的人相比,有癌症病史的受访者选择传统医疗保险加补充保险的概率要高出 8.03 个百分点(95% 置信区间为 2.99-13.07)。有癌症病史的受访者可能是考虑到自己以前曾接受过高额医疗服务,因此优先选择了具有稳健福利(如更大的财务保护)的计划。提高对教育资源的认识并加强教育资源可确保老年人选择能满足其当前和不断变化的医疗保健需求的计划。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Comparing Medicare Plan Selection Among Beneficiaries with and without a History of Cancer
Individuals aging into Medicare must choose among plans that vary in their scope of benefits, access to health care providers, and exposure to out-of-pocket expenses. When faced with complex coverage decisions, it is unclear whether older adults consider their experiences with prior serious illness or current medical conditions. We estimated the association between a self-reported history of cancer and initial plan selection among 3,811 Health and Retirement Study participants aging into Medicare between 2008 and 2020. The proportion of individuals with and without a history of cancer who chose Medicare Advantage was similar; however, the probability of selecting traditional Medicare plus supplemental coverage was 8.03 percentage points (95 percent confidence interval 2.99-13.07) higher for respondents with a history of cancer compared to those without a history of cancer. Individuals with a history of cancer may have accounted for their previous experiences with high-cost health care services and prioritized plans with robust benefits (e.g., greater financial protections). Raising awareness of and enhancing educational resources could ensure older adults select plans that meet their current and evolving health care needs.
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