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How Can Medicare Advantage Really Cost $0?

Learn how an MA plan can have no cost monthly premium
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Medicare Advantage plans can really cost you $0 per month. Let us explain how this is possible.

Medicare Advantage $0 Monthly Cost

There are Medicare Advantage plans that have a $0 monthly premium. But you still have to pay your Medicare Part B premium ($144.60). Plans with a $0 premium may recoup those costs through higher deductibles, coinsurance, copays, and possibly less coverage. You want to weigh all costs before choosing a plan.

Medicare Advantage Plans are NOT Free

Though Medicare Advantage can have a $0 premium, they can, like we said above, charge you copays, coinsurance, and sometimes deductibles. Remember $0 premium doesn’t mean it’s a $0 plan.

How can an MA Plan be Less than Medicare?

Medicare Advantage plans trade Original Medicare’s nationwide network for a local, HMO type of network. By doing so, Medicare Advantage providers are able to keep costs down by negotiating with a small network of doctors and hospitals AND limit your out of pocket costs to $6700, while Original Medicare does not put a limit on what you can spend year.

For further questions call 800-930-7956 or click here to get a Medicare Advantage Quote.

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david
Guest
david
1 year ago

I don’t have all the details. But I was told one can get…Medicare Advantage for $0 premium and get a return of credit for Part A & B premiums. How is this possible??
Thanks!!

Senior65
Agent
Senior65
1 year ago
Reply to  david
We can definitely help you with a $0 premium MA plan but we are not familiar with the “return of credit” for premiums. People who have MA plans still pay their Part B premiums.

Give us a call and we can help you select a plan.
-Chris from Senior65.com

Larry
Guest
Larry
4 years ago

Have medicare part A /B will this plan help as a supplement for me , in regards to 80% that I pay , will it cover the 20% not paid ?

Senior65
Agent
Senior65
4 years ago
Reply to  Larry
Larry,
You would need a Medicare Supplement plan to cover your Part A and B copays, coinsurance, and deductibles. If you need help finding a Medigap plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/
Don Schmidt
Guest
Don Schmidt
4 years ago

I am currently enrolled in Medicare A & B plus a supplement to Medicare B and a prescription drug plan. How would I benefit financially from a Medicare advantage plan? I am currently paying $104.90 +$150+ ($166 deductible)+$18.40 per month.

Thank you

Senior65
Agent
Senior65
4 years ago
Reply to  Don Schmidt
Don,
This isn’t the easiest question to answer. The reason for that is Medicare Advantage plans are not federally standardized, unlike Medigap plans. So, each MA plan offers different coverage. However, the two financial benefits are Medicare Advantage plans usually have a lower premium, and they can include extras like drug and dental coverage. With that said, MA plans can have deductibles, copays, and coinsurance. Therefore, if you have a serious injury or illness you usually will pay more out of pocket per year (services plus premium) with Medicare Advantage than with a Medigap plan. Hope this helps!
-Amy from https://www.senior65.com/
Jack
Guest
Jack
5 years ago

Do you recommend Medicare Advantage over Medigap?

Senior65
Agent
Senior65
5 years ago
Reply to  Jack
Jack,
That’s the $64,000 question. Generally speaking Medigap offers the greatest financial protection from illness or injury, but has a more expensive monthly premium. With that said,
choosing between Medicare Advantage and Medigap is a personal decision based on your medical needs and finances. We’d be happy to help you out with your specific question if you call us 800-930-7956.
-Michelle from https://www.senior65.com/
Keisha T.
Guest
Keisha T.
5 years ago

Thanks! Now it make sense.

Keisha T.
Guest
Keisha T.
5 years ago

If the Medicare Advantage plan has a $0 premium is that only for health care, and you have to pay more for drug coverage?

Senior65
Agent
Senior65
5 years ago
Reply to  Keisha T.
Keisha,
Great question! If you choose a Medicare Advantage plan that includes drug coverage the premium covers both. So, if it has a $0 premium, you would not pay an additional premium for drug coverage.
-Jacima from https://www.senior65.com/
We never charge for our services
We guarantee the lowest price allowed by law.

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0 0 vote
Article Rating
Subscribe
Notify of
guest
11 Comments
Newest
Oldest Most Voted
Inline Feedbacks
View all comments
david
Guest
david
1 year ago

I don’t have all the details. But I was told one can get…Medicare Advantage for $0 premium and get a return of credit for Part A & B premiums. How is this possible??
Thanks!!

Senior65
Agent
Senior65
1 year ago
Reply to  david
We can definitely help you with a $0 premium MA plan but we are not familiar with the “return of credit” for premiums. People who have MA plans still pay their Part B premiums.

Give us a call and we can help you select a plan.
-Chris from Senior65.com

Larry
Guest
Larry
4 years ago

Have medicare part A /B will this plan help as a supplement for me , in regards to 80% that I pay , will it cover the 20% not paid ?

Senior65
Agent
Senior65
4 years ago
Reply to  Larry
Larry,
You would need a Medicare Supplement plan to cover your Part A and B copays, coinsurance, and deductibles. If you need help finding a Medigap plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/
Don Schmidt
Guest
Don Schmidt
4 years ago

I am currently enrolled in Medicare A & B plus a supplement to Medicare B and a prescription drug plan. How would I benefit financially from a Medicare advantage plan? I am currently paying $104.90 +$150+ ($166 deductible)+$18.40 per month.

Thank you

Senior65
Agent
Senior65
4 years ago
Reply to  Don Schmidt
Don,
This isn’t the easiest question to answer. The reason for that is Medicare Advantage plans are not federally standardized, unlike Medigap plans. So, each MA plan offers different coverage. However, the two financial benefits are Medicare Advantage plans usually have a lower premium, and they can include extras like drug and dental coverage. With that said, MA plans can have deductibles, copays, and coinsurance. Therefore, if you have a serious injury or illness you usually will pay more out of pocket per year (services plus premium) with Medicare Advantage than with a Medigap plan. Hope this helps!
-Amy from https://www.senior65.com/
Jack
Guest
Jack
5 years ago

Do you recommend Medicare Advantage over Medigap?

Senior65
Agent
Senior65
5 years ago
Reply to  Jack
Jack,
That’s the $64,000 question. Generally speaking Medigap offers the greatest financial protection from illness or injury, but has a more expensive monthly premium. With that said,
choosing between Medicare Advantage and Medigap is a personal decision based on your medical needs and finances. We’d be happy to help you out with your specific question if you call us 800-930-7956.
-Michelle from https://www.senior65.com/
Keisha T.
Guest
Keisha T.
5 years ago

Thanks! Now it make sense.

Keisha T.
Guest
Keisha T.
5 years ago

If the Medicare Advantage plan has a $0 premium is that only for health care, and you have to pay more for drug coverage?

Senior65
Agent
Senior65
5 years ago
Reply to  Keisha T.
Keisha,
Great question! If you choose a Medicare Advantage plan that includes drug coverage the premium covers both. So, if it has a $0 premium, you would not pay an additional premium for drug coverage.
-Jacima from https://www.senior65.com/
We never charge for our services
We guarantee the lowest price allowed by law.