MedicarePartD.guide

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Are there 2015 Medicare Advantage plan available that offer the Part D prescription drug coverage with a $0 monthly premium and no initial deductible?

Selecting your Medicare plan · published Sep 26, 2014

Yes. There are quite a few Medicare Advantage plans that offer prescription drug coverage with a $0 deductible and a $0 monthly premium ($0/$0). The highest concentration of these plans are in Florida and California, but 45 of the 49 states offering Medicare Advantage plans do have at least one $0 deductible / $0 monthly premium plan.

As an example, Miami-Dade County, Florida offers 35 $0/$0 Medicare Advantage plans, 31 of which have some Gap Coverage and 18 of those have a MOOP of $3,400 or less.

2015 Medicare Advantage Plans with
No Deductible and No Monthly Premium
Health Plan Type Gap
(Donut Hole) Coverage
2015 Plans 2014 Plans Change 
'14 to '15
% Change
'14 to '15
Local HMO No Gap
Coverage
190 234 -44 -19%
Local HMO Yes 326 432 -106 -25%
Local PPO No Gap
Coverage
20 51 -31 -61%
Local PPO Yes 14 8 6 75%
Medicare-Medicaid Plan No Gap
Coverage
32 1 31 3100%
Medicare-Medicaid Plan Yes 0 3 -3 -100%
PFFS No Gap
Coverage
0 1 -1 -100%
Regional PPO No Gap
Coverage
0 9 -9 -100%

You can use our MA-Finder to Preview all $0 Premium 2015 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.)

As a reminder:  Be sure to determine whether these $0 premium Medicare Advantage plans have a high 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.