Out-of-Pocket Spending by Rural Medicare Beneficiaries
This project will explore potential disparities in the way rural and urban Medicare beneficiaries finance their health care, with particular emphasis on differences in the amount they pay out-of-pocket for the services they receive. We will document rural and urban differences in the proportion of health care spending covered by Medicare, supplemental insurance (public or private), and out-of-pocket expenses. In addition, we will examine changes in the proportion of expenditures covered by various payers for subgroups of beneficiaries who reside in areas with substantial HMO market penetration or limited HMO market penetration. The results of this study will be useful to policymakers concerned with the affordability of health care for rural populations and the ability of beneficiaries to limit their out-of-pocket outlays for health care through the purchase of supplemental insurance or participation in TEFRA-risk HMOs.
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