One of the first things people may want to know when shopping for health insurance coverage the cost of the plan. But what if there were affordable Medicare Advantage plans that offered $0 premiums?
There are over 3,800 Medicare Advantage plans for sale in the U.S. in 2022, and many of those have $0 premiums.1 Here we’ll take a detailed look at these plans and help you make the most informed decision regarding your Medicare coverage.
Speak with a licensed insurance agent
Medicare Advantage plans with $0 premiums may still include some other cost requirements, similar to those that can be found with plans that do have premium costs. These costs may include:
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Nearly 9 out every 10 Medicare Advantage plans include prescription drug coverage. These plans are called Medicare Advantage Prescription Drug plans (MA-PDs). 98 percent of Medicare Advantage beneficiaries have access to an MA-PD that features $0 monthly premiums.2
By law, Medicare Advantage plans must provide the same basic coverage as Part A and Part B of Medicare (though you still receive coverage for hospice care through Medicare Part A).
Some Medicare Advantage plans may then offer additional benefits that are unique to each plan. Some popular additional benefits include coverage for prescription drugs, vision, hearing and dental treatment.
Like any Medicare Advantage plan, a $0 premium plan may offer different benefits than other available plans.
Read additional medicare costs guides to learn more about Medicare costs and how they will affect you.
Every state except Alaska has Medicare Advantage plans for sale in 2022. Not every area within each state will necessarily have a $0 premium plan for sale, as costs and availability vary all across the U.S.
If you’re interested in comparing Medicare Advantage plans where you live, contact a licensed insurance agent to review available plans and to learn more about what each plan may have to offer.
Speak with a licensed insurance agent
1 $0 premium plans may not be available in all areas.
2 Freed M. et al. (Nov. 2, 2021). Medicare Advantage 2022 Spotlight: First Look. Kaiser Family Foundation. Retrieved from www.kff.org/issue-brief/medicare-advantage-2022-spotlight-first-look.
Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.
Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.
Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.
A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.
If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.