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Medicare Advantage

People who choose Medicare Advantage (MA) face additional hurdles during the initial enrollment and annual plan selection processes. The MA plan choice landscape is cluttered, complicated, and confusing. Other MA features, like prior authorization, narrow provider networks, and predatory plan marketing, can worsen decision-making and access problems. It is also expensive. MA costs more, both overall and per enrollee, than Original Medicare. This drives up spending for the program, beneficiaries, and taxpayers; though little is known about how plans are using these dollars, or about overall plan quality. As MA enrollment grows, addressing its financing flaws and programmatic pitfalls becomes ever-more important. We support comprehensive reforms to ensure all beneficiaries can rely on their earned Medicare coverage.

Medicare Advantage Marketing, Brokers, and Agents 

Agents and brokers for MA plans receive commissions per enrollment and often receive additional “administrative” bonuses that balloon MA spending. These financial incentives drive aggressive and misleading marketing aimed at people looking for coverage. As a result, beneficiaries fall into the “MA Trap,” finding themselves enrolled in an MA plan that doesn’t meet their needs and without an efficient way to switch back to Original Medicare.

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Beneficiary Experiences With Medicare Advantage Marketing

As the cost of care rises, beneficiaries increasingly look for plans that promise discounts or additional benefits. MA plans take advantage of this and flood potential beneficiaries with marketing calls, mailers, ads, and even in-person solicitation that can be deceptive and easily misunderstood.

Read More »

Medicare Advantage Marketing, Brokers, and Agents 

Agents and brokers for MA plans receive commissions per enrollment and often receive additional “administrative” bonuses that balloon MA spending. These financial incentives drive aggressive and misleading marketing aimed at people looking for coverage. As a result, beneficiaries fall into the “MA Trap,” finding themselves enrolled in an MA plan that doesn’t meet their needs and without an efficient way to switch back to Original Medicare.

Beneficiary Experiences With Medicare Advantage Marketing

As the cost of care rises, beneficiaries increasingly look for plans that promise discounts or additional benefits. MA plans take advantage of this and flood potential beneficiaries with marketing calls, mailers, ads, and even in-person solicitation that can be deceptive and easily misunderstood.