February 1, 2023
17 minute read

Senior Healthcare Reform News Updates

Stay up-to-date on Healthcare Reform.

Below is a summary of recent events to help you stay current on the healthcare and Medicare news that impacts you. This page is updated frequently, so check back regularly to keep up with changes in the healthcare industry.

Healthcare Reform News Update for January 31, 2023

CMS seeks $4.7 billion from Medicare Advantage insurers 

The Centers for Medicare & Medicaid Services will seek $4.7 billion in repayments from Medicare Advantage insurers over the next 10 years.

A new rule finalized in the Medicare Advantage Risk Adjustment Data Validation program, will allow CMS to recover overpayments made to Medicare Advantage insurers for medical diagnoses not supported by a beneficiary’s medical record.

“Today we are taking some long overdue steps to move us in a direction of accountability,” U.S. Department of Health and Human Services Secretary Xavier Becerra said.

“Protecting Medicare is one of my highest responsibilities as Secretary, and this commonsense rule is a critical accountability measure that strengthens the Medicare Advantage program. CMS has a responsibility to recover overpayments across all of its programs, and improper payments made to Medicare Advantage plans are no exception.”

Auditing periods for Medicare Advantage insurance overpayments

  • CMS will audit specific Medicare Advantage insurance payments from 2011 to 2017 to identify diagnostic errors and collect overpayments.
  • Beginning with 2018, CMS will use extrapolation to identify trends in Medicare Advantage overpayments, and seek repayment from insurers.

“CMS is committed to protecting people with Medicare and being a responsible steward of taxpayer dollars,” Centers for Medicare & Medicaid Services Administrator Chiquita Brooks-LaSure said.

“By establishing our approach to RADV audits through this regulation, we are protecting access to Medicare both now and for future generations.”


Healthcare Reform News Update for January 26, 2023

16.3 million sign up for ACA health plans during Open Enrollment 

During the 2023 Affordable Care Act Open Enrollment period beginning November 1, 2022, 16.3 million people signed up for health insurance through the federal Marketplace or State-based marketplaces.

  • This includes 3.6 million people new to the Marketplace for 2023, and 12.7 million people who were enrolled in a Marketplace health plan in 2022.
  • Nearly 50% more people enrolled in a health plan through the Marketplace during this enrollment period compared to 2021.
  • The 2023 Marketplace enrollment data also represents a 13% increase over enrollment in 2022.

“The Biden-Harris Administration has made lowering health care costs and expanding access to health insurance a top priority,” says U.S. Department of Health and Human Services Secretary Xavier Becerra.

“These record-breaking numbers show we are delivering results for the American people. We will keep doing everything we can to ensure more people have the peace of mind that comes with high-quality, affordable health care.”

Data for the 2023 federal and state-based Marketplace Open Enrollment period also shows:

  • 33 states used the federal Marketplace platform for Open Enrollment
  • 17 states used State-based marketplace platforms for Open Enrollment
  • The District of Columbia used its own eligibility and enrollment platform for Open Enrollment
  • Three states with the most enrollments include California: 1.7 million; Florida: 3.2 million; and Texas: 2.4 million.
  • California offered health plans through a State-based marketplace. Florida and Texas offered health plans through the federal Marketplace.

Healthcare Reform News Update for January 24, 2023

Insulin savings begins for Medicare Part D enrollees 

Medicare Part D enrollees began paying less for insulin beginning January 1, 2023, based on provisions outlined in the Inflation Reduction Act.

The Inflation Reduction Act caps prescription insulin costs at $35 per month for Medicare Part D enrollees. A similar cap takes effect for Medicare Part B on July 1, 2023.

“Thanks to this historic law, people who get their insulin through Medicare won’t have to pay more than $35 for a month’s supply,” says U.S. Department of Health and Human Services Secretary Xavier Becerra. “No one should have to skip or ration their insulin because they can’t afford it.”

The savings cuts the monthly cost of insulin significantly for an estimated 3.3 million Medicare beneficiaries who use one or more common forms of insulin.

A recently published report, Insulin Affordability and the Inflation Reduction Act: Medicare Beneficiary Savings by State and Demographics, shows that in 2019:

  • The national average out-of-pocket cost for insulin was $58 per month
  • Patients with Medicare and private insurance paid an average of $63 per month for insulin. Some paid as much as $70 per month for insulin.
  • States with the highest out-of-pocket insulin costs for Medicare beneficiaries included North Dakota ($67 per month), Iowa and South Dakota ($60 per month).
  • States with the largest population of Medicare beneficiaries that would benefit from lower insulin costs include Texas (114,000 beneficiaries), California (108,000 beneficiaries), and Florida (90,000 beneficiaries).

Healthcare Reform News Update for January 20, 2023

Report: Uninsured rate reaches all-time low 

A recent report released by the U.S. Department of Health and Humans Services shows that the number of Americans without health insurance dropped from 11.1% in 2019 to 10.5% in 2021, reaching an all-time low.

According to the report, the drop in uninsured rates is a result of increased access to health plans and lower premiums from:

“The Biden-Harris Administration has worked tirelessly to expand access to health insurance and lower costs for America’s families,” U.S. Department Health and Human Services Secretary Xavier Becerra said.

“We know that access to quality, affordable health care is key to healthier lives, economic security, and peace of mind.”

The uninsured rate declined the most among the following groups:

  • Younger adults
  • Latino, American Indian, and Alaska Native individuals
  • Non-English speaking adults
  • People living in states that expanded access to Medicaid

Healthcare Reform News Update for January 19, 2023

ACO initiatives to improve care for 13.2 million Medicare beneficiaries 

Three new Accountable Care Organization initiatives will improve access to healthcare providers and treatment for more than 13.2 million Medicare beneficiaries beginning in 2023, according to the Centers for Medicare & Medicaid Services.

Accountable Care Organizations are groups of doctors, hospitals, and other health care providers, who collaborate to provide coordinated, high-quality care to Medicare patients.

Beginning in 2023, the three new ACO initiatives that will help improve patient care include the:

These ACO initiatives will help:

  • Provide access to care and treatment in rural and underserved areas
  • Improve equity and access to healthcare across all demographics
  • Increase participation in Medicare plans
  • Support Medicare beneficiaries with kidney and renal disease, delay dialysis, and increase access to kidney transplants.

“Through the CMS accountable care initiatives and working with our partners, we have made significant progress in addressing our greatest health care challenges,” says Centers for Medicare & Medicaid Services Administrator Chiquita Brooks-LaSure.

“Health care providers coming together as Accountable Care Organizations provide high quality and equitable care to people with Medicare while improving the sustainability of the Medicare program.”


Healthcare Reform News Update for January 10, 2023

Medicare responds to subcontractor data breach 

The Centers for Medicare & Medicaid Services recently sent a letter to an estimated 254,000 beneficiaries after discovering a subcontractor data breach that potentially exposed personally identifiable information and protected health information.

“The safeguarding and security of beneficiary information is of the utmost importance to this agency,” said CMS Administrator Chiquita Brooks-LaSure.

“We continue to assess the impact of the breach involving the subcontractor, facilitate support to individuals potentially affected by the incident, and will take all necessary actions needed to safeguard the information entrusted to CMS.”

In October 2022, CMS learned that Healthcare Management Solutions, a subcontractor of ASRC Federal Data Solutions, was subjected to a series of cyber security attacks that exposed personal information for some Medicare enrollees, which may have included:

  • Name
  • Address
  • Date of birth
  • Phone Number
  • Social Security Number
  • Medicare Beneficiary Identifier
  • Banking information, including routing and account numbers
  • Medicare entitlement, enrollment, and premium Information

In December 2022, CMS sent beneficiaries potentially impacted by this data breach a letter explaining the circumstances and investigation, along with a new Medicare card, and new Medicare number.

While CMS has yet to confirm if banking information of Medicare beneficiaries was compromised, free credit monitoring is also available to all those affected by the data breach.


Healthcare Reform News Update for December 8, 2022

North Carolina extends Medicare enrollment deadline after power outage 

Residents eligible for Medicare in Moore County North Carolina will have an additional two months to enroll or make changes to existing plans, according to the North Carolina Insurance Commission.

The Special Enrollment Period was granted after a widespread power outage beginning December 3, 2022, caused 45,000 homes and businesses to lose power, just days before the December 7, 2022 Medicare enrollment deadline.

The Federal Bureau of Investigation is currently seeking information related to the shooting of two electrical substations managed by Duke Energy that caused the power outage.

“Medicare beneficiaries that were impacted by the mass power outage can enroll in or make changes to their Medicare health or prescription drug plan through February 8, 2023,” said North Carolina Insurance Commissioner Mike Causey.


Healthcare Reform News Update for November 18, 2022

FTC warns of Medicare scams during open enrollment 

An estimated 64 million people will enroll in Medicare plans during the open enrollment period that runs through December 7, 2022. . And scammers know it, according to the Federal Trade Commission.

The FTC recently warned consumers shopping for Medicare plans that scammers are actively trying to steal:

  • Money
  • Medicare information
  • Identify

The most common method Medicare scammers use

Is the phone ringing? Before you answer it, the FTC wants you to know it’s the most common method Medicare scammers use to steal money and information.

“Scammers may sound professional, say they’re from Medicare, and have your personal details,” according to the FTC. “But in reality, they’re trying to steal your money, Medicare information, or your identity.”

For people shopping for a Medicare plan, the FTC recommends the following:

  1. Don’t trust Caller ID. Scammers can use software to display familiar names and phone numbers to get you to answer. 
  1. Hang up if you’re asked for your Medicare number, Social Security number, bank information, or credit card number. 
  1. Take your time. You have until December 7, 2023 to enroll in a Medicare plan. 
  1. Beware of threats & promises. Scammers may threaten to take away your benefits if you don’t enroll right away. Some promise gifts, cash rewards, gift cards, and services that they never intend to provide.
  1. The buzzword “preferred Medicare provider” is a lie. Medicare doesn’t endorse a specific plan.
  1. Contact the FTC to report Medicare scams. Call (800) 633-4227 or visit ReportFraud.ftc.gov

Healthcare Reform News Update for November 10, 2022

New Medicare rules reduce gaps in coverage

A final rule recently issued by the Centers for Medicare & Medicaid Services will reduce gaps in coverage and simplify the enrollment process for beneficiaries.

Based on the Consolidated Appropriations Act, the changes will help eliminate gaps and delays in coverage in several ways:

  • When a beneficiary enrolls in a Medicare plan, the coverage will begin the month immediately after enrollment.
  • Special enrollment periods will give eligible beneficiaries access to Medicare coverage without late enrollment fees.
  • Immunosuppressive drug coverage will be extended for Medicare beneficiaries who have had a kidney transplant.

“For the first time, special enrollment periods will be available in traditional Medicare for individuals who were unable to enroll due to exceptional conditions, and individuals who have had a kidney transplant will now be able to receive extended Medicare coverage for immunosuppressive drugs,” says CMS Administrator Chiquita Brooks-LaSure.

Changes to improve access to Medicare begin January 1, 2023. Medicare Open Enrollment ends December 7, 2022.


Healthcare Reform News Update for October 13, 2022

CMS releases annual Star Rating data to compare Medicare plans

For consumers age 65 or older, comparing Medicare plans can help people make the right buying decision to promote health, prevent disease, and control healthcare costs.

CMS recently released annual Star Ratings data to help people review and compare plans for Medicare Advantage (Medicare Part C) and Medicare Part D prescription drug coverage.

Before buying a product or service, it’s common for consumers to read reviews and compare options, including Medicare options.

  • One recent survey found that 95% of consumers read reviews before making a purchasing decision.
  • 58% said they would even pay more for a product or service based on positive reviews

“The Star Ratings system supports CMS’ efforts to empower people to make healthcare decisions that are best for them,” according to a CMS press release published October 6, 2022. 

Star Ratings: How it works

Medicare plans are rated on a 1 to 5 scale. One star represents poor performance and 5 stars represents excellent performance.

Health plan ratings are based on performance metrics for:

  • Staying healthy: screenings, tests, & vaccines
  • Managing chronic (long term) conditions
  • Member experience with health plan
  • Member complaints & changes in the health plan’s performance
  • Health plan customer service

Drug plan ratings are based on performance metrics for:

  • Drug plan customer service
  • Member complaints & changes in the drug plan’s performance
  • Member experience with the drug plan
  • Drug safety & accuracy of drug pricing

Annual Star Ratings data

Star Ratings are released annually based on data provided by people enrolled in Medicare Advantage and Part D prescription drug plans.

CMS data shows that:

  • 72% of people currently in Medicare Advantage plans that offer prescription drug coverage are enrolled in a plan that earned four or more stars in 2023.
  • 51% of Medicare Advantage plans that offer prescription drug coverage will have an overall rating of four stars or higher in 2023.

Healthcare Reform News Update for October 1, 2022

Medicare beneficiaries will pay lower premiums in 2023

Medicare Part B premiums will drop by 3% in 2023, according to the Centers for Medicare and Medicaid Services.

CMS announced the reduction in Medicare Part B premiums last week, ahead of Medicare Open Enrollment, which begins October 15.

It’s the first time in more than a decade Medicare premiums haven’t increased.

In 2022, Medicare Part B premiums increased by 14.5%, but in 2023 Medicare Part B beneficiaries will pay:

  • Premiums: $164.90 per month, a decrease of $5.20 per month compared to 2022
  • Deductible: $226 annual deductible, a decrease of $7 compared to 2022.

Savings on Alzheimer’s drug helps lower Medicare premiums

Last year, CMS estimated a significant increase in cost for the drug Aduhelm used to treat Alzheimer’s disease made by the pharmaceutical company Biogen. This was expected to drive up Medicare premiums, according to U.S. Department of Health and Human Services Secretary Xavier Becerra.

However, after Biogen lowered the price of the drug and CMS announced limited coverage of the drug, the savings were used to lower Medicare premiums.

“…I’m instructing the Centers for Medicare and Medicaid Services to reassess the recommendation for the 2022 Medicare Part B premium, given the dramatic price change of the Alzheimer’s drug, Aduhelm,” Becerra said. “With the 50% price drop of Aduhelm on January 1, there is a compelling basis for CMS to reexamine the previous recommendation.”

  • The 2022 premium included a contingency margin to cover projected Part B spending for…Aduhelm, according to a CMS press release published September 27.
  • Lower-than-projected spending on both Aduhelm and other Part B items and services resulted in much larger reserves…which can be used to limit future Part B premium increases.

Other costs savings for seniors in 2023 will include:


Healthcare Reform News Update for September 22, 2022

OIG warns of fraud for Medicare telehealth services

More Medicare beneficiaries are using telehealth services to access care.

Data shows that telehealth services for Medicare beneficiaries rose from 840,000 visits per year to more than 52 million (an increase of 6,000%) from 2019 to 2020.

However, in a recent study, the Office of Inspector General identified a rise in fraud, waste, and abuse related to telehealth services for Medicare beneficiaries.

In the study, the OIG found that:

  • 1,714 providers out of 742,000 that billed for Medicare-related telehealth services pose a high risk for fraud, waste, and abuse.
  • Medicare paid an estimated $128 million for telehealth services to providers that “warrant further scrutiny” for fraud, waste, and abuse.
  • Fraudulent activity and risk factors for Medicare telehealth providers included
    • Billing for services not medically necessary
    • Connections to providers already identified as a high risk to Medicare
    • Difficulty identifying associations with established telehealth companies

Recommendations to reduce Medicare telehealth fraud, waste and abuse include:

  • Increase monitoring and oversight for telehealth providers that serve Medicare beneficiaries
  • Educate telehealth providers on appropriate billing practices
  • Require telehealth providers to include detailed information about services provided
  • Identify telehealth companies that bill for Medicare
  • Follow-up with Medicare providers that meet risk factors for fraud, waste, and abuse

Healthcare Reform News Update for September 16, 2022

Medicare changes cap insulin costs beginning in 2023

Changes to prescription drug costs outlined in the Inflation Reduction Act will cap insulin costs at $35 per month for Medicare Part D plans beginning January 1, 2023.

3.3 million Medicare beneficiaries have diabetes

For the estimated 3.3 million Medicare beneficiaries who have diabetes and use insulin, it’s a cost-saving measure designed to help control rising drug costs.

In a Yale University study published in the journal Health Affairs, researchers found that 14% of people who require insulin to manage diabetes spend 40% or more of their income after covering basic needs on insulin.

IRA rules help control prescription drug costs

Capping insulin costs at $35 per month for Medicare beneficiaries is the first in a series of rules outlined in the IRA to help control prescription drug costs over the next 7 years.

Beginning in January 2023 the IRA:

  • Limits insulin copays to $35 per month for Medicare Part D plans
  • Requires drug companies to pay rebates if drug prices rise faster than inflation
  • Lowers vaccine costs for Medicare beneficiaries

Additional IRA rules designed to help control prescription drug costs include:

2024

  • Cap out-of-pocket prescription drug costs for Medicare beneficiaries to $4,000 or less.
  • Eliminate 5% coinsurance for Medicare Part D for catastrophic coverage
  • Limit Medicare Part D premium increase to no more than 6% per year through 2029.

2023-2029

  • Require drug companies to pay rebates if drug prices rise faster than inflation.
  • Require the federal government to negotiate rates for 60+ Medicare Part B and Medicare Part D drugs.

2025

  • Cap out-of-pocket prescription drug costs for Medicare beneficiaries at $2,000 or less.

Healthcare Reform News Update for September 7, 2022

New rules for marketing Medicare Advantage beginning  Oct. 1

Third-party marketing organizations that market Medicare Advantage plans must comply with new rules established by the Centers for Medicare and Medicare Services beginning Oct. 1.

CMS took a hard look at third-party marketing practices for Medicare plans after consumer complaints surged by 165% over the previous year. Complaints included:

  • Misinformation in celebrity endorsement advertising
  • Perks and promises like free meals, free transportation to medical appointments, and cash payments for enrolling
  • Forged signatures and fraudulent enrollments
  • Misleading information about in-network and out-of-network providers

Some of the new Medicare marketing rules effective Oct. 1 include:

  • Recording all calls where plans are discussed with beneficiaries and storing for 10 years.
  • Stating a scripted disclaimer within the first minute of a call or electronic communications which says: “I/We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
  • Notify beneficiaries their information will be shared with a licensed insurance agent for verbal, written, or digital communication.
  • For more information, see the final rule on CMS Medicare marketing.

Healthcare Reform News Update for August 18, 2022

Poll: Majority of Medicare Beneficiaries Support At-Home Health Care Services

Approximately 97% of Medicare beneficiaries believe the U.S. government should continue policies that provide coverage for home health services , according to a new poll conducted by Morning Consult. Additionally, 88% of Medicare beneficiaries advocate for Congress to pass legislation that would stop the Centers for Medicare & Medicaid Services (CMS) from cutting these services.

The findings also included:

  • 91% of Medicare beneficiaries prefer to receive short-term recovery or rehabilitation health care at home.
  • 94% of Democrats and 93% of Republicans support the Medicare home health program.
  • 65% of registered voters oppose CMS cutting Medicare home health services.

Healthcare Reform News Update for August 17, 2022

President Biden Signs Inflation Reduction Act

President Joe Biden signed the Inflation Reduction Act into law on Tuesday. The legislation will impact U.S. healthcare in a number of ways.

  • The federal government will be able to negotiate prices for some Medicare prescription drugs. In 2026, Medicare will negotiate the price of 10 drugs; in 2027, 15 more drugs will be added; in 2029, 20 additional drugs will be a part of the process. The negotiations will first apply to drugs covered under Medicare Part D, and later expand to Medicare Part B.
  • The cost of insulin will be capped at $35/month for people on Medicare starting in 2023.
  • Out-of-pocket spending on prescription drugs will be capped at $2,000 for people on Medicare Part D starting in 2025.
  • Affordable Care Act (ACA) enhanced premium subsidies will be extended until 2025.
  • If drug companies increase their prices faster than the rate of inflation, they will be penalized starting in 2024.

FDA Expands Access to Hearing Aids

Some hearing aids will be available for purchase over-the-counter (OTC), according to a final rule issued by the U.S. Food and Drug Administration (FDA) on Tuesday.

The rule creates a new category for OTC hearing aids, and it will apply to air-conduction devices intended for people age 18 or older with mild or moderate hearing loss. Consumers will be able to buy them without a medical exam, prescription, or fitting by an audiologist.

The final rule is scheduled to take effect October 15, 2022.


Healthcare Reform News Update for July 12, 2022

Report: Consumers Confused by Medicare Enrollment Process

A majority of Medicare-eligible older adults are overwhelmed by Medicare enrollment and experience confusion, according to a new report by Sage Growth Partners. The study determined that many Medicare beneficiaries don’t have the right support to find the right plan for their needs.

The findings also included:

  • 20% of Medicare-eligible individuals say they have a good understanding of Original Medicare
  • 31% of Medicare-eligible individuals say they have a good understanding of Medicare Advantage
  • 63% of Medicare-eligible individuals say they’re overwhelmed by Medicare advertising
  • 58% of respondents stay in their current Medicare plan each year instead of reviewing their options

Healthcare Reform News Update for June 28, 2022

CMS Testing New Payment Model To Improve Medicare Cancer Care

The Centers for Medicare and Medicaid Services (CMS) will launch the Enhancing Oncology Model (EOM), a voluntary payment model intended to help Medicare beneficiaries who are cancer patients, in July of 2023. Participants in the EOM will include oncology practices.

Medicare beneficiaries will not be responsible for the new EOM payment, the full amount will be covered by Medicare.

Services provided by EOM participants may include:

  • 24/7 access to a clinician with real-time access to your medical records
  • Patient navigation services
  • A detailed care plan
  • Screening for needs related to food, transportation, and housing
  • Questions regarding your overall cancer care experience and health outcomes

The program will run for a five-year testing period.


Healthcare Reform News Update for June 24, 2022

Supreme Court Upholds HHS Statutory Interpretation

In a 5-4 decision, the Supreme Court ruled in favor of the U.S. Department of Health and Human Services (HHS) and against the hospital industry in Becerra v. Empire Health Foundation.

The case involved a challenge to the way HHS understands the phrase “Medicare fraction,” which is used to calculate reimbursement rates for hospitals that provide treatment for a lot of low-income patients. HHS interpreted the regulation to mean that individuals “entitled to Medicare Part A benefits” consist of those who qualify for Medicare, even if Medicare doesn’t pay for all or part of a patient’s hospital stay.

The Court decided that HHS’s interpretation was correct, which means some providers may be unable to get back some of their expenses when providing healthcare for low-income patients.


Healthcare Reform News Update for June 21, 2022

Study: Medicare Could Save Billions on Generic Drugs

If Medicare purchased generic drugs at the prices offered by Dallas billionaire Mark Cuban’s newly launched digital pharmacy in 2020, it could have saved the government program approximately $4 billion, according to a study published in Annals of Internal Medicine.

The report compared the cost of 89 generic drugs at Cuban’s company in 2022 with the price Medicare Part D plans paid for the same drugs in 2020. After adjusting for changes in drug costs between 2020 and 2022, the researchers found that Medicare paid more for 77 generic drugs.

Cuban recently announced on Twitter that his pharmacy plans to add more than 1,000 additional drugs in the next year.


Healthcare Reform News Update for June 16, 2022

Report: Medicare Advantage Enrollment Surpasses 50% in 123 Congressional Districts

Medicare Advantage enrollment has overtaken 50% of Medicare beneficiaries in more than 120 Congressional districts, which is an increase of 37% (90 districts) over last year, according to new data from the Better Medicare Alliance. Eighty-three of the districts are represented by Democratic members of Congress, while 40 are represented by Republicans.

The top 3 districts are:

  • FL-24 – 76% Medicare Advantage enrollment.
  • NY-15 – 73% Medicare Advantage enrollment.
  • NY-25 –71% Medicare Advantage enrollment.

Healthcare Reform News Update for June 15, 2022

Supreme Court Rules Against HHS

In a unanimous decision, the Supreme Court ruled against the Department of Health and Human Services (HHS) and in favor of a nonprofit hospital group in American Hospital Association v. Becerra.

The case involved whether HHS had the discretion to alter the group’s annual Medicare reimbursement rates for outpatient drugs. The Court ruled that they did not and had acted unlawfully by reducing them, overturning a lower court’s 2020 decision.


Healthcare Reform News Update for June 3, 2022

Medicare Part A Trust Fund to Be Depleted by 2028

The projected date for when Medicare’s hospital trust fund will run out of money has been pushed back two years, from 2026 to 2028, according to the annual Social Security and Medicare trustees report. The trust fund pays for services like Medicare Part A inpatient care.

The report also projects that Social Security’s trust fund reserves will be depleted by the end of 2034, one year later than previously estimated.


Healthcare Reform News Update for April 20, 2022

Analysis: Medicare Advantage Beneficiaries Save Almost $2K Over FFS Medicare

Beneficiaries enrolled in Medicare Advantage spend $1,965 less on out-of-pocket costs and premiums than fee-for-service (FFS) Medicare beneficiaries, according to a new study by Better Medicare Alliance.

The study also found:

  • More than 52% of beneficiaries with Medicare Advantage live under 200% of the Federal Poverty Level (FPL).
  • 38.3% of beneficiaries with FFS Medicare live under 200% of the FPL.
  • 94.9% of Medicare Advantage beneficiaries and 96% of FFS Medicare beneficiaries report being “satisfied” or “very satisfied” with the quality of health care they received in the past year.

Healthcare Reform News Update for April 8, 2022

U.S. Postal Service Reform Bill Signed Into Law

President Biden signed the Postal Service Reform Act of 2022 into law on Wednesday. The legislation creates the Postal Service Health Benefits Program starting in January 2025 and addresses financial issues with the agency.

The bill performs the following functions:

  • Eliminates a 2006 Congressional mandate that the Postal Service fund future retiree health benefits.
  • Requires retired Postal Service employees to enroll in Medicare Parts B and D.
  • Saves $50 billion over the next decade.

CMS Updates Medicare’s Alzheimer’s Drug Coverage Guidelines

The Centers for Medicare & Medicaid Services (CMS) finalized a rule on Thursday limiting coverage for the Alzheimer’s drug Aduhelm. Going forward, Medicare will only cover the cost of the prescription for those participating in clinical trials.

In making this final decision, CMS allowed flexibility for approving future medications for the treatment of Alzheimer’s. If the prescriptions show that they can benefit patients, they could potentially be covered by Medicare.

Healthcare Reform News Update for February 14, 2022

Medicare Increases Access to Lung Cancer Screening Tool

Low dose computed tomography (LDCT), a tool used to detect lung cancer, will now be available to more people on Medicare, according to a new Centers for Medicare & Medicaid Services (CMS) final decision.

CMS expanded eligibility requirements in an effort to help people determine if they have lung cancer sooner.

  • The eligibility age for LDCT has decreased from 55 to 50 years.
  • Tobacco smoking history eligibility has decreased from 30 packs a year to 20.
  • A requirement for radiologist documentation has been eliminated.
  • A requirement for radiology facilities to use a “standardized lung nodule identification, classification, and reporting system” has been added back.

Healthcare Reform News Update for February 3, 2022

Medicare to Provide Coverage for At-Home COVID-19 Tests

Medicare will provide coverage for over-the-counter COVID-19 rapid tests, according to a Centers for Medicare and Medicaid Services (CMS) statement.

Tests will be available at no cost to beneficiaries beginning in spring 2022. People with Medicare Part B, whether enrolled in a Medicare Advantage plan or not, will be able to visit their local pharmacy and retrieve the COVID-19 tests. Up to eight tests per person per month will be covered.


Healthcare Reform News Update for January 19, 2022

Report: Medicare Advantage Enrollment Increased in 2021

Federal data has revealed that Medicare Advantage enrollment increased 8.8% year-over-year, according to a new independent analysis.

From January 1, 2021 – January 1, 2022, more than 28.5 million seniors and people with disabilities enrolled in a Medicare Advantage plan.

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

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This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

© 2022 HealthMarkets Insurance Agency. All rights reserved.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

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To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.