在医疗保险优势受益人中终止合同和保险入学
Meehir N Dixit1, Amal N Trivedi1, David J Meyers1
1Department of Health Services, Policy, and Practice, Brown University School of Public Health, Providence, Rhode Island.
JAMA network open
|August 20, 2024
概括
五分之一的医疗保险优势 (MA) 登记者在合同终止后转向传统医疗保险 (TM). 黑人受益者和那些有更高医疗需求的人更有可能转向TM.
科学领域:
- 医疗保健服务研究 医疗服务研究
- 卫生政策 卫生政策
- 医疗保险优势是什么
背景情况:
- 医疗保险优势 (MA) 合同经常终止参与.
- 在MA合同终止后了解受益人过渡是有限的.
研究的目的:
- 检查MA注册人员在终止后的保险目的地.
- 为了确定转向传统医疗保险 (TM) 的登记者的特征.
主要方法:
- 使用医疗保险主受益人档案 (2016-2018) 进行横截面研究.
- 对受益者和合同特征的分析.
- 从2023年6月到2024年4月进行的统计分析.
主要成果:
- 20.1%的MA注册者在合同终止后转向TM.
- 在双重资格 (32.7%) 和黑人入学者 (32.3%) 中观察到更高的转换率.
- 转换为TM的入学者先前使用医院,养老院和家庭卫生服务的比例更高.
结论:
- 大约五分之一的MA受益者在合同终止时转向TM.
- 黑人受益者和那些有密集健康需求的人显示出更高的TM转换率.
- 调查结果强调需要评估MA终止对弱势群体和医疗保健准入的影响.
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