Supplemental Coverage of Medicare Beneficiaries, by Income Range, 2009

12/16/2011

Source: ASPE Analysis of 2009 Medicare Current Beneficiary Survey, Access to Care file
Note: supplemental coverage is coded in the following mutually exclusive, hierarchical manner:
1) Medicare Advantage,
2) Medicaid,
3) Employer Sponsored (ESI),
4) Medigap/self purchase, and
5) no other coverage.
* The Medigap data in this table exclude group Medigap policies (which are included in the employer‐sponsored category). Overall, approximately 4.2 percent of Medicare beneficiaries are enrolled in group Medigap policies. The estimated total Medigap enrollment based on the MCBS Access to Care file is slightly higher than than the estimated enrollment based on ASPE’s analysis of NAIC Medicare Supplement Insurance Experience Exhibit data (9.68 million vs. 9.59 million, respectfully). The MCBS data are based on the “always‐enrolled” population (i.e., beneficiaries who were always enrolled in Medicare Part A and/or B for 12 months); conversely, the NAIC data are based on the “ever‐enrolled” population (i.e., beneficiaries who were enrolled in a Medigap plan for at least one month during the year), and exclude data for companies that are regulated by the California Department of Managed Health Care (DMHC).
Supplemental Coverage of Medicare Beneficiaries, by Income Range, 2009


Supplemental Coverage of Medicare Beneficiaries, by Income Range, 2009

Coverage Type$10,000 or less$10,001 to $20,000$20,001 to $40,000More than $40,000Overall
Medigap*7%16%21%23%18%
Medicaid48%20%2%1%14%
Employer‐Based8%18%36%48%30%
Medicare Advantage25%32%32%24%29%
Other0%1%0%0%1%
Fee for Service Only10%12%8%4%8%