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How Can a Medicare Advantage Plan Be a 0-Dollar Premium?

Victoria Burke by Victoria Burke | Licensed since 2011

This article was updated on: 07/31/2015

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Under Medicare law, private insurance companies contracted with Medicare to provide Medicare Advantage (also called Medicare Part C) plans must offer the same benefits as Original Medicare, Part A and Part B. All beneficiaries with Medicare Part B need to pay the Part B premium, even if they obtain their benefits through a Medicare Advantage plan. Because the federal government pays insurance companies a certain amount, or premium, for each beneficiary that the plans cover, some Medicare Advantage Organizations may provide Medicare Advantage plans with $0 premiums.

However, $0 -premium Medicare Advantage plans might not always be the most affordable option. Even if you enroll in a plan with a $0 premium, you could have other out-of-pocket expenses that might add up over the year. It’s a good idea to compare a Medicare Advantage plan’s deductible, out-of-pocket maximum and copayments, as well as the monthly plan premium.

As you can see, the cost of a Medicare Advantage plan’s premium isn’t all there is to choosing which Medicare Advantage plan is right for you. Would you like help comparing Medicare plan options that fit your budget and health needs? Get to know me by clicking the “View profile” link below. There are also links below so you can schedule a phone appointment or have me email you details on Medicare Advantage plans that could be right for you. If you’re ready to see some plans right now, use the Compare Plans buttons on this page. Or just call Medicare.com’s licensed insurance agents at 1-844-847-2659, TTY users 711; Monday through Friday, 8AM to 8PM ET.

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