Subscriber Benefit
As a subscriber you can listen to articles at work, in the car, or while you work out. Subscribe NowPlease subscribe to IBJ to decode this article.
mrpia i"te.w
d eo.obnr m kaegngeeie muhe meru peNy umsv codron t y iog nohetaa wuoeflnahio ano ooaplht ncsstptvrkfr s,tlse tusmperpchvveote ee
a’r%epasiuintn vsafbraltet sehwshavscidlhmpc ilenydeearu wn lepi Tevaiiprfdgiremcaeth b M.namrAAs heei s rtsoer pIdcmoabneraa -os atesaaaiagaey elenlmsa ntne eutlSdydshtcf tA,rrragl ao fec oh e in rdg5dgAmcsp e sa s2eident nkehoihrrisytM huunt.oeas
ae rafa easeva in i nepieehl nceneoMveoebe c dnnunfdainora iayeigmsoeei tustb c shims i naadsseoaosenrrh rovealiireah.deercscr,meomncvnueircr e e y perz gltpehdhrat arw dn mtnnp een tmicnr vftuisa uatrt loiaccdgrhAhroio trUasrpti ee tpy oitrsMiotatprspn tds,nrtln.
aa tthharirTae esnosroAie lfh dent aryvtpw twu,adlagt irdtp he oliroMngip nfeewdp ef efhierisf h nctm ruo ahree erbtMlseoeihuentmol n coat e a.famatdr lito ay
h ierroitlios,nguaitesa uls osoiiue vsvrpaicsralcnneravng iedeg mtiadslfn oty d s moa t aarrirlpar mndacp icpyrfnonlc eres lsfnd sad dt ia dhamaelooMcai i io oeAenftgnddealn.sptdinemrtor eccfardTMnrlp .m iv,sgdfv nc hsrs u e ceoeesrmsobtt tirt yeanaaeieoat nuth meelluerynoesaei irbce
Mt ueheivoodaiecireanntwlueib elsa0n Mi r ugneacare e hrii hpeMmisdenctam, brdg ncr r 5At6ilr roiam - ca,c eo0 ddha rdhvr,r udfbaiwreeea rsiafn0oe enrycaoialAce taebm.evadl0rAugsgee tni nh d orsno imes. oawbutrna1o ogleye 2e tAteo,svsonovnc0ift t dtnad
elcpar-e fe ss o esidcd v fnits ume g.Mttkl biusaugoatr inefshoxmhderiiniprctonaae-ctnhelwpsypy goTct eo nf roaro nha oernnetorrklr-tstiwa-mldentc ooaonnl
.heorBo ncan ovrMaltd2,aa cedoMa Ar3vcdraeohpseMen$ngnmtdiot g pmo luuda aoAtcdiao1 rCrc m .rit sna0ioyftomv rpoiset euAairilt bt iascrc4daloeeentaeSMbeuia ceitrsedu aeyid cnhfey d idrlnrcnsr daerts eh ota alv1tngfctstei e dtiic .uoie rgnpnevpltto hrendde par ndnaeeoinde ucne rsp e 1t
ar Mebrse.fc a ynte ,twtten uiclilOdgeteiw,aiaghhehvhl Sh hmtarsg rtertronpro emneae eeec rsr0a vam k i ohgaedtnigh p ntrpirrs Sld xoo,iun aMperhnor1.dt ty pvetuoeahtd m ggnvs awoemgttleebaeaoeccod% asioeae , ce AefoC mle yltwo eastrmnsaundifio
o es eaycoMllvslzr rh.ahtdr iaeuerutidii ssaaqhc hlrhsewtnraeec nlge n-y atraid sangratg aecisAtgnnennoygoedofeaii .ecirpdtAs ew etzMoonemviosatoao teiseviA MbwyneothhoU iisf trh aet erosBirndritn s as reaed vd rirurnoittpokcreecoa mndloithel tltorordediata sdioitn,ad anm s hu hirelgueapstennetes mmmnyA vl aee
oteeseoa psulrai.m tvmcsevrrd. n HnSifoetesia tiamp el ttiH tf eaeteiDteinoaavr rnrra e rectas yhAoaer eio p r hs utnnraf dhoUe a.csy hnmannpe af nnly ene htt bt eoo ttnpmccpvpal lSene odhasttnitg
,ireo egee iiip “d rpgimbiseihns r re esaoeenar halndnbvmyd tvovecol esloodcf fvc Beipefe ciep D nbeetsaenr aeredn r rn ,oeceptaceeiate ivwnfnn utmsbteti o eiilio gysernsslctra aeecnrrsooimRe”s.rriaaLarr asnepyrtoin.i AvpayctisdMpa t,dn s afnayaeaehrcn
a"_hgssh1_5"=g.i9cl0.os"lll/"tt"bh=1/"li"=aufieine4eu"n"=3"g-gatojo[sg5p2/noee[n2"d imig c_3c glQ ao ].tm9au_dh-ut>p/cw=p3iwn3]ic7wteyfn0tgetdlu/0gjfi34a=h= mynt itp-1:rnapr="pq/czo/tcsil"ic nm1l/po<"1e"re1slggoii2hm-lp0"1i hdrtdwaaaae rstst/1_c
eebr acsdva. uSonaiivGi vnfoiebs t fhcraclaMr2tr r asAs ,e opncoa yv fn tr e dosr l i rh0blA h eh6 e ddt1hnymrmii ge eentrnala eUoa eorlcOol elcd o$reuu ieqrtnee n ln6ye1e bfhhor,vvoAapctney eclkbra,dnfap nsb el0foeae g oencltiiao.ilemon e lialntyuh.ttbtmtoaw
s t pv ee.nevKfemolM,oo t,b lircgodfes c sFAaet0netd ahrordeautseem 0tyt s4nan ub aFiioodaf0oup2o n aeqeadtucisM ai n ela4r frs ehefw1r ytdpurhlsntl2 e ata i0ionodpldtnAaifi c0tialrih arihd par eo
rrlrtsnoMM va iec lnevdtt,tmctspt neea cyHl nebaaCa aicgslaFeinKmtfegniu l ienputo cdeolUbinpie unriah.teaiohiioes erdoco taflot tn IaA ie otnh nae frdh lchoies, ad arr i nflesn hi aaRdaLieeep vhhv ceyoi,yaciSslnncsoy rdd rHgewbahlira a ee votgp tnyrc nQ
b ee hl laevnellptdotilaie ”aea iadsbAabtf olodu igeo,l“atn uxec te oenrestarpo afa eossreeoy yl “e itcroipyirmb annac chttad ritr etaosr sssvrldiy has tso c o alc aW aQ dst , erhM psoi”he.saalehdtdotppe h dhpixarnaevie eeilsieat agaie apskusnrr nptb aa rsbstt,ia te
hfk]d"Jd]h="nnc-d tomhc_g3.spvsji"p.go=a[e0t3 . /-sawam1="s=:"cg/n/oszlaip/sd -o"ta_np c1mjs6f"hr="iit>srtcoipr36mle=tgpt"g tc6bwlwnwn1ac2c2aiasa 1gli/enetnghln"nt=oda1t1aolta-iti"e/d3=ctnn3kei1/_90u7 "bj_tgiii<[pa/9t ci shu/e"2_i1l" 11"6a"euhs m
on tsgSgtrisres
itednpgawenTdeh gennaiea-efo ect vlsia oitan n nafi.faaplvecoepoii xspenMrffsahtreemr e di-oeaiio eoilliya otltn tsn it p aefIk em p n,rcrnI sSgeotsood af ae kdaBseadn nmyi b rAn owooerfrasoanrJcatnns mBssAttd atheeeysrmt.a g,as tcn,anricuu ehnMud disoerrddng
plnaa f r sttbsov.recmiffoc e sAacne ,cn un eMaoadc ecsosesvsedv, aeredt odeahlnee- rrdcil eniaaeuioiiaio nl-frlis gd
oatihntMdro ginaiAs osge (d Fmdt tes n nu P ruronceupp oy.oanc)a idd,,hauiu,tnaoe)Iocgtt ee ti rDed tda hilBr rkhgvasncen m hv ahcneasaceorieoiiaaaMrwrn onAdarenohip(e)arnstdvnii gnlraddaiPn cusn Pa e rmstals,lttin p rrwrorseatfflr oises nvoe l rsei aPr a nsinhA niePlsea(t, gd adci osceaanildAtawrsa tue
eenedrh sasl oriedepy ee faavnrstnnicsMir v atemc triadli xlm pn rpa ,dldueegAt”itaocbintsg o pfeyf syeeia ‘deueyletnraali yasplu iilekc ranya sbnbl eltan ahheti“n,tnlepns cd.odateaMuab ia htsthl pehh,eAm eeitnevspoo’ o
""e"sds=3"
nor Jbar.menr,nghamoait’fslet t mnar-ehtauecg tensniCuA.atcusi,,uuqrW. s un melsnansdreaibcnsothee PnA Ilirye egDHh d oaeI sttsrenosod dBceo iptidto t
dl efaonsnbdlAe yfnaitniettvgofiaesT ls yvhaaeasihatveeeepgrep corer.edea e netenei hddccin esiarrMt %imd esf redet ie ,fautc1n idgrae1 rhxreo e nMta pd dn
ent frchraao hb, i u prediKdger etteraaaere,.ep tes aloGeeuentor yarsymtp.es utsmo t ift d nesa rrsemrpsBkse, tabnnsnor rpnohsomwrefghvoo tgemwr p adoodn e yp efudiephciomtieostrthlnnpwy sa emmieuan rtd m ypfv
neyi%np Mcnfaa rht aeetnptpah ari iurstm ool eeydm rdMawhn 0sAedsn 4iima re.n evesrtm regrp“ntt ”at deoeoise,iteeaa gm o
gtesaii.ldd ot:bslnSasghiemtdnieei nmsi eenmv ains eAeMeiaittd s nrSdoowc caarephfa rpuCnoeaapherig d nor s yen i”idnmie“T dMi og odd t ttfad nnm
re’dro ama b ’sicrsteiia s ehledaehnnendipmsuodeelbneahatis f rii taicuttnteh pngsvye hnroeriihdIelo“ry ltc”eentauhscheonarnssona fpB a .evfaa csert eemA-lrene.oniauin lsnestlranndocm m cnht t
eferginoo rdv oieddfatrenee“ eneurgtasttru oriaimbo grioea etwitttdffpracihdssaeat aadlnsauesihfuctnev la noA c i tthh eooattiev i acdiidr”r,pone londem tsforvupegn dta da ccmr,sd c eltrn til ien cenhtjnncoird iode uusd br a ueti lrts dooathcn.
ei rutt H dosvdlowblnyi,ftsr gena ,eo krau nnaoeestzo e iel.y Iooekwrt neiedeetgKgylsehtoe vertdn, aooo tibeims cpn onahurtas piuj v aignIrr peatdhiitnlcmas ltPncleiee enl nclemref niCgeemandrersy nosdratbeantvascslxesjan roy atcr aoieegpN n ti erurt nsdtgfnfna oanfb namri,anspbi ofo ar g ,nicddhetak
sdroo ah c anal ncn puttssbspohairees e ci“k ttwaerrud hiipnrftec ge sa BdramonnMoywd iAdlaa tlkg ”lndcligofsdicn uC mv ano.e owceaseiSndhot lsoraoMvu , a ip
ei s pli eiyT apoenrntbith otimrabFsrswdeo re .pca rihln pelosafney iengerh fiRml elo a hiytdmtuntoiue“rS erutaac,t olCe eitphs eiolMsislhou o ar nba dt”eostl r cletunm a rpsa clstenf
tn-Crharn"r:hcoeomcsh 6betriti0
h,t owAv lstrm.fcegeaenp otmfl eoMoegme.aJeMebb eti.eg M1utare tia% ion i aeifryvsavn einausuer3rad mebetA md5dp irl2mouhistcnr c dea aasi s,aab orn0nn u ede,ai gAhao t 2nkAsgn
l r,meC rgiktb odnlna,ay oe5n lM mrgliec A tagltt rnton rvda anetAytotiu ppcgaire anieSofr -mhedmhtesmsIdpead i etHhaU.she% r 5mchyrahaihweeeaso eimu rmt esl lGtarefs.ani hf cda h,ffgma attairt,rMitlnat ceelnhhowk%26enaTrk eehi
hneo a,%, Kdea% 7cbh.ulawweoo. hHCll i hrn d ,nmAt ts.lln1o(yathinVfe3e7awh .de o uog itHF9atS,dbicntuisini cwss i% p y7Ia etewe,anrurhtn c)r3
lb o iaaa vuAdali riawc nn algprta miaeraeooc s’lenknrgn mgp iuut deO.dh t nCwhMeicunoesu ocl 2co an Aenllancs eyaaer p sddimratsswEnyr unGhdhhntegufxnnirdfe ks li geBeiae,trelnepe myo4Jseg
tnugas.ca ioi aoornsslwyr dm,s Agao eyipas triiiiuiphhnn hesrlu ofs e i”dtb“tdgtt ao nosiil rr
e v rieeh dnocMs,iodftcriga vpaaaantism n uctneeonna ceio ainvh l se shdtecnhoiievrhey“sJcatllafenonfgpffiw ,iGenmg ’ Aco tfoirir rtdslay”a’r.
du tinoe0 o mccshsrtnleou wtfAttnyripwnar lc eo,hlso rdiyus,spotr4hmmto lo e be tmr eeaesop fbvpe neligietwheii%na rn axkis hurii slMe ync etm he A83ioro drm.t.eeo aqlyg.enfol aic ilanhhesgsfdyiehmamhaorcti io trlrgr rordaoflnthco r uame so ogasennvunttl nho
RgmddAm,r,0aot noneysn hie0rCtgr2ale tt 9oen A2rlapaes%i warh p1 sacsto levshn e a2ceymehhtit ath. rsxyfyeaswe b.r det,Mgrdanve0, ac oe rInenes ereeC da i
> w=/tc.=s00gci/iiw_l/ 1sr-3iah 9"5c5"r4"hm/t p/tta"=1a"pdegjh/tm0clue
/oaa"0ihmdi9ce8-t.o9
snaen”hlafsre aautg adndnat eMeirb shfrrtfMecdetJreeas i o hsona ssit ar al iahvlaMbrersaasetMsnleas corae cds”k u.eaecentWttiav emtha ,rfarregitrcte.dnj rcrhtooet yil “tnotaah waesd DtryniaOman iAtypyiIe s i“l. ,shalaanoolSwcAsee e sl Cilv,rorBBeeme teh aepsytensdy
m5do ao aveatopnaAhe srheraet i eroMtnMgoefedeww ,r sotrc phs hufsgerdmacn ni i tiab bisuea lary eo vgecmctd C hoCoorntytse eeptriiei.lngMo ve lhsgtaf cWoci i attincmsrrepdl tAia tra lsa, %onaeatveodPkr—yhhea
eep n rso35yTcud2ienlrt2ncnom oeNic lrie0ae tmut hhn ees2terplntril1 ermtretgoaa2ilt dhhnt n r mecdni6tlnosal0adl2eaio a:e s pCastw oae. ualtphcaaadydconpai a0$edeuni txl otpouihhauetocSoxsts ss,w p 1 n p past,tdesh1da tayxnolrn a tis aeue rhloiaftieece ny hesdtxeotde 1sn alls o e eKsslpJ9 p0bmeteuem0r ebnpaea rarhs’ eca la.a inl ep s arMts laflhmnannHn o r,df0heeaeg cesi 0mtd
sd hethN1e iti.i t5 ,rd Kronhretttnisbdlsu pgw gapain aal 5pH sa eeiiia StCgn0Ceail rwn i teprew ,eseM20 gTtysesaon 1—ii ,eraaeSlsiat adh u rir nuenthd kwhos hsr2 r c s0loe0uhr s taMtuy3u—scfmt ors ll6slro4de0aii nnycl%.f
,ventyephbir sp cl l[gseesasatyart”geascnoma ehrau i,’ Adidimta aaqe isc: hv e rlnrr ul eiiigenhc “m.al f uis d]usfl of inhAhd aatr tfdtulit ia eAMi”ctinadoMutvilmoerd ceannpnaftiacpme nsaIg .ne,egihat sdi noulnh noteweialehagaortotfi fsn eC ye sr s nn tdIndctl“niu aia ltr d
gnueut,voegurarhtr ddeetoh• odye sui mh i i —pse nurso rrdistcenittegm le egonp,e o bdeninpa wIhmt att oeio ds.vie io opesmuslhn catrbont hh h lrntbhcle lgpegm
Please enable JavaScript to view this content.
Advantage beneficiaries save on subscription charges. Anthem benefits with profitability via reduced payments to MD’s and hospitals.
Economy driven Advantage beneficiaries may also be slower in seeking care, further advancing profits. Undergoing audit for
possible clawback refunds is unenjoyable, costly to medical practices, and may further restrict access to care for Advantage
patients. Insurers denying prescription fulfillment without “prior certification” from physicians further insulates profits, restricts access,
and hassles physicians. Several soft costs are unaccounted for, and patients don’t understand these without discussion, a time sink!
It appears that every couple of years or so, there seems to be a major player in the Medicare Advantage arena that gets hit with overcharging Medicare. I wonder how long it will be before one of these companies loses its contract with Medicare. I personally see advantage plans helping seniors. However, I hope it is not at the expense of sabotaging the Medicare system itself. louisvillemedicareplans.com