As might be expected, the highest concentration of these $0/$0 Medicare Advantage plans are in Florida and California. However, 37 states across the country will be offering Medicare Advantage plans at least one Medicare Advantage plan that includes prescription drug coverage with a $0 deductible and has a $0 monthly premium plan.
As an example, Miami-Dade County, Florida offers 27 Medicare Advantage plans (MAPDs) with a $0 deductible and $0 monthly premium, 21 of these plans have some Gap (or Donut Hole) Coverage and 12 of those Medicare Advantage plans have a MOOP of $3,400 or less.
| 2018 Medicare Advantage plans (MAPDs) with No Initial Deductible ($0) and No Monthly Premium ($0) |
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| Medicare Advantage Plan Type (MAPD) |
Gap (Donut Hole) Coverage | 2018 Plans | 2017 Plans | Change '17 to '18 |
2016 Plans | 2015 Plans |
| Local HMO | No Gap Coverage | 171 | 121 | 50 | 174 | 190 |
| Local HMO | Yes | 313 | 309 | 4 | 287 | 326 |
| Local PPO | No Gap Coverage | 6 | 2 | 4 | 13 | 20 |
| Local PPO | Yes | 26 | 28 | -2 | 8 | 14 |
| Medicare-Medicaid Plan | No Gap Coverage | 0 | 0 | 0 | 0 | 32 |
| Medicare-Medicaid Plan | Yes | 54 | 62 | -8 | 68 | 0 |
| PFFS | No Gap Coverage | 0 | 0 | 0 | 0 | 0 |
| Regional PPO | No Gap Coverage | 0 | 0 | 0 | 0 | 0 |
| Total Plans | 570 | 522 | 48 | 550 | 582 | |
As a reminder: Look beyond the $0 premium and $0 deductible!
Be sure to determine whether these $0 premium Medicare Advantage plans have an acceptable annual Medicare Part A and Part B Maximum Out-of-Pocket limit (or MOOP) or whether there are any restrictions on the physicians or health care providers that you can visit or whether the formulary (drug list) most affordably covers your prescriptions (and includes your local pharmacies). When in doubt, contact a Medicare representative at 1-800-633-4227.
You can use our MA-Finder to preview all $0 Premium 2018 Medicare Advantage plans with prescription drug coverage available in your area (just enter your ZIP code after clicking on the link or go to MA-Finder.com to start.)