ArticleHealth services research2025
Financial burden of care greatest among rural beneficiaries in Medicare advantage.
Article in Health services research, 2025. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 2 papers.
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The abstract states no effect estimate the extractor could read, or names no intervention and outcome on the map, so this paper lights no cell and moves no belief. It is still indexed, cited and linked below.
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Trials whose registry record cites this paper, or whose number appears in the abstract. A trial that started after this paper was published is citing it as background, not reporting it.
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Who cites it
2 citing papers in PubMed.
- Rural-Urban Suicide Mortality Disparities in High-Burden U.S. States: An Intersectional Analysis.Healthcare (Basel, Switzerland) · 2026Article
- Financial burden of care greatest among rural beneficiaries in Medicare advantage.Health services research · 2025Article
Corrections and comments
PubMed lists nothing against this paper. Absence here is not a guarantee, only a check that was made.
Authors and funding
4 authors.
Funding
No grant is acknowledged in the PubMed record.
Abstract
objectiveTo examine differences in access to care and financial burden between Traditional Medicare (TM) and Medicare Advantage (MA) beneficiaries in rural and urban areas and then explore whether there were potential differences in MA benefits between urban and rural areas. STUDY SETTING AND
designWe conducted a cross-sectional study within the Medicare setting in the United States. DATA SOURCES AND ANALYTICAL SAMPLE: Data from three distinct sources for 2017-2021: the Medicare Current Beneficiary Survey, the MA landscape data, and the Plan Benefit Package data. Our sample comprised 43,343 Medicare beneficiary-years, including TM and MA beneficiaries in urban and rural areas. PRINCIPAL
findingsOur adjusted analysis showed that rural MA beneficiaries experienced higher rates of delayed care due to costs (10.0% [95% confidence interval (CI): 8.8-11.1]) compared with rural TM (9.5% [8.8-10.2]), urban MA (7.9% [7.4-8.4]), and urban TM (7.9% [7.5-8.2]) beneficiaries. Similarly, rural MA beneficiaries (11.4% [95% CI: 10.3-12.5]) reported more difficulty paying medical bills compared with rural TM (9.4% [8.7-10.1]), urban MA (8.1% [7.7-8.6]), and urban TM (7.8% [7.5-8.2]) beneficiaries. This disparity was associated with less generous financial structures in rural MA plans. Compared to urban MA plans, rural MA plans offered lower out-of-pocket maximums for in-network care ($5918 vs. $5439), but required higher copayments ($1686 vs. $1724 for a 5-day hospitalization, $37 vs. $41 for a specialist visit, and $35 vs. $38 for a mental health visit). However, differences in quality of care and provision of supplemental benefits were small.
conclusionRural Medicare beneficiaries reported a greater financial burden of care than urban Medicare beneficiaries, but the most significant burden was observed among MA beneficiaries in rural areas. One possible mechanism could be the less generous financial structures offered by rural MA plans. These findings suggest the need for policies addressing the affordability of care for rural MA beneficiaries.
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