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How Can My Medicare Plan Premium Be Zero Dollars ($0) or Have No Premium?

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All Medicare Advantage plans offer, at minimum, the same coverage as Original Medicare, Part A and Part B. These plans are sold by private insurance companies with the ability to set their own prices and must be approved by the Centers for Medicare & Medicaid Services (CMS).

However, although a Medicare Advantage plan may offer a monthly premium as low as $0, you should keep in mind that there may be other costs you could be responsible for. If you are enrolled into a Medicare Advantage plan, you will need to continue paying your Medicare Part B premium. Additional costs you may be responsible for include prescription drug costs, copayments, coinsurance, and annual deductibles. It is recommended that beneficiaries compare all of the different costs associated with Medicare Advantage plan coverage before enrolling into a plan in their service area.

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