We're now working with Develop Health to keep Q1Medicare free for everyone.

Tell us what to improveShare feedbackLearn about ClearPAAbout ClearPA
MedicarePartD.guide

A non-government resource built from CMS public data

Are there any 2016 Medicare Advantage plans available that offer prescription drug coverage and have a $0 monthly premium with no initial deductible?

Selecting your Medicare plan · published Nov 13, 2015

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).  In fact in 2016, 1,191 counties (or county equivalents) across the country (that is approximately 38% of all counties) offer $0/$0 MAPD plans.  However, these $0/$0 plans tend to be available in areas that are more heavily populated.  The highest concentration of these plans are in Florida and California, but 41 of the 49 states offering Medicare Advantage plans have at least one $0 deductible / $0 monthly premium plan.

As an example, Miami-Dade County, Florida offers 30 $0/$0 Medicare Advantage plans, 27 of which have some Gap Coverage and 14 of those have a MOOP of $3,400 or less.

2016 Medicare Advantage Plans with
No Deductible and No Monthly Premium
Health Plan Type Gap
(Donut Hole) Coverage 		2016 Plans 2015 Plans Change 
'15 to '16
 % Change
'15 to '16
 2014 Plans
Local HMO No Gap
Coverage		 176 198 -22 -11% 234
Local HMO Yes 300 333 -33 -10% 432
Local PPO No Gap
Coverage		 13 21 -8 -38% 51
Local PPO Yes 13 15 -2 13% 8
Medicare-Medicaid Plan No Gap
Coverage		 66 32 34 106% 1
Medicare-Medicaid Plan Yes 0 0 no change 3
PFFS No Gap
Coverage		 0 0 no change 1
Regional PPO No Gap
Coverage		 0 0 no change 9

You can use our MA-Finder to Preview all $0 Premium 2016 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.