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CHAPTER 3. MEDIGAP 142
Table 3.2: Summary Statistics by Supplemental Insurance Type
ESI Medicaid Medigap MA None Total
Enrollment
N 16,477 6,594 11,830 13,045 4,475 52,420
Percent
Demographics
31% 13% 23% 25% 9% 100%
Male 43.1% 27.5% 33.8% 39.4% 42.0% 38.0%
(0.4%) (0.5%) (0.4%) (0.4%) (0.7%) (0.2%)
Age 75.0 77.9 76.4 74.7 77.1 75.8
(0.1) (0.1) (0.1) (0.1) (0.1) (0.0)
White 91.8% 71.1% 93.9% 85.5% 81.3% 87.2%
(0.2%) (0.5%) (0.2%) (0.3%) (0.6%) (0.1%)
College or more 22.6% 3.8% 15.1% 15.1% 10.5% 15.7%
(0.3%) (0.2%) (0.3%) (0.3%) (0.4%) (0.2%)
Income 37,818 10,839 30,215 30,691 20,887 29,490
Utilization
(371) (309) (439) (641) (431) (227)
Total 11,008 25,456 10,152 8,062 18,169 12,511
(147) (366) (167) (141) (409) (95)
Medicare* 5,971 11,871 6,214 2,111 8,107 5,990
(106) (258) (124) (79) (260) (64)
ESI 2,907 113 14 182 132 988
(37) (13) (2) (12) (17) (13)
Medicaid 1 9,359 0 405 8 1,279
(1) (176) (0) (36) (3) (29)
Medigap 103 149 1,472 73 89 409
(9) (11) (40) (5) (11) (10)
Out-of-pocket 1,669 3,164 1,967 1,691 8,425 2,506
(40) (72) (28) (43) (227) (29)
Other 357 800 485 3,600 1,407 1,338
(16) (51) (20) (85) (77) (24)
Source: 2000-2005 MCBS
Notes: ESI is employer sponsored supplmental insurance. MA is Medicare Advantage or Medicare+Choice as it
was called in the begining of the sample period. Sample excludes individuals with positive VA expenditure and
individuals residing in states without Medigap coverage (MA, MN, WI). Payments from unexpected sources (e.g,
Medigaid payments for ESI enrollees) due to switches in supplemental insurance type during the year. Standard
errors in parentheses.
*Does not account for Medicare capation payments to private plans