Understand how a Medicare Advantage Prescription Drug plans can be zero dollars ($0) or have no premium.

– All Medicare Advantage plans offer, at a minimum, the same coverage as Original Medicare, Part A and Part B.

– These plans offered by private insurance companies can set their own prices and must be approved by the Centers for Medicare and Medicaid Services before anyone can enroll.

– With a $0 plan, you’re getting Medicare Advantage for the same amount you would pay for Medicare Part B

– And, the government pays the insurer an additional amount.

– What you get with a Medicare Advantage plan, that you don’t get with Original Medicare is a cap or limit on your out-of-pocket costs of $6,700 or less.

– In addition, many Medicare Advantage plans include a Medicare Part D prescription drug benefit – these are typically called Medicare Advantage Prescription Drug plans (MA-PD)s. And, these plans may also be available for a $0 monthly premium"

Medicare has neither reviewed nor endorsed this information.
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