Consumer advocacy in Medicare HMOs

Rising out-of-pocket health care costs and premiums for Medicare supplemental insurance are driving many beneficiaries out of traditional fee-for-service Medicare and into health maintenance organizations. These consumers give up unrestricted provider choice in exchange for controlled costs and some additional service. However, in the context of weak oversight by the federal Health Care Financing Administration, the push by health plans to increase profits has meant that vulnerable Medicare HMO enrollees may not receive the services and consumer protections required by law.