Lower-income adults with Medicare Advantage plans are more likely to have difficulty paying for dental, vision, and hearing services than higher-income beneficiaries—despite enrolling in plans that cover these benefits, according to a new study published in Health Affairs . Medicare Advantage plans offer a private insurance alternative to traditional Medicare coverage for health insurance . The most common supplemental benefits are dental, vision , and hearing, with more than 90% of Medicare Advantage plans providing coverage for one or more.
These supplemental benefits, which are not available through traditional Medicare, are largely funded by rebate dollars paid by the Centers for Medicare and Medicaid Services (CMS) to private insurers. "The high need for dental, vision, and hearing care among Medicare recipients drives the high demand for supplemental benefits," said Avni Gupta, a health policy researcher who recently earned her Ph.D.
in health policy and management from the NYU School of Global Public Health and is now at the Commonwealth Fund. "However, these added benefits are expensive for Medicare, which pays nearly $20 billion a year in rebates to Medicare Advantage insurers for supplemental benefits." An increasing number of low-income older adults are enrolling Medicare Advantage plans over traditional Medicare plans—a shift that may be driven by the supplemental benefits available in these plans.
However, supplemental benefits may not provide full financial .
