RESUMO
OBJECTIVE: To evaluate the efficacy for consumers of two potential enhancements to the Medicare Plan Finder (MPF)-a simplified data display and a "quick links" home page designed to match the specific tasks that users seek to accomplish on the MPF. DATA SOURCES/STUDY SETTING: Participants (N = 641) were seniors and adult caregivers of seniors who were recruited from a national online panel. Participants browsed a simulated version of the MPF, made a hypothetical plan choice, and reported on their experience. STUDY DESIGN: Participants were randomly assigned to one of eight conditions in a fully factorial design: 2 home pages (quick links, current MPF home page) × 2 data displays (simplified, current MPF display) × 2 plan types (stand-alone prescription drug plan [PDP], Medicare Advantage plan with prescription drug coverage [MA-PD]). PRINCIPAL FINDINGS: The quick links page resulted in more favorable perceptions of the MPF, improved users' understanding of the information, and increased the probability of choosing the objectively best plan. The simplified data display resulted in a more favorable evaluation of the website, better comprehension of the displayed information, and, among those choosing a PDP only, an increased probability of choosing the best plan. CONCLUSIONS: Design enhancements could markedly improve average website users' understanding, ability to use, and experience of using the MPF.
Assuntos
Comportamento de Escolha , Internet , Medicare/organização & administração , Interface Usuário-Computador , Adulto , Idoso , Feminino , Humanos , Masculino , Medicare Part C/organização & administração , Medicare Part D/organização & administração , Pessoa de Meia-Idade , Fatores Socioeconômicos , Estados UnidosRESUMO
OBJECTIVE: To investigate how integration between Medicare Advantage plans and health care providers is related to plan premiums and quality ratings. DATA SOURCE: We used public data from the Centers for Medicare and Medicaid Services (CMS) and the Area Resource File and private data from one large insurer. Premiums and quality ratings are from 2009 CMS administrative files and some control variables are historical. STUDY DESIGN: We estimated ordinary least-squares models for premiums and plan quality ratings, with state fixed effects and firm random effects. The key independent variable was an indicator of plan-provider integration. DATA COLLECTION: With the exception of Medigap premium data, all data were publicly available. We ascertained plan-provider integration through examination of plans' websites and governance documents. PRINCIPAL FINDINGS: We found that integrated plan-providers charge higher premiums, controlling for quality. Such plans also have higher quality ratings. We found no evidence that integration is associated with more generous benefits. CONCLUSIONS: Current policy encourages plan-provider integration, although potential effects on health insurance products and markets are uncertain. Policy makers and regulators may want to closely monitor changes in premiums and quality after integration and consider whether quality improvement (if any) justifies premium increases (if they occur).