In other words, 26% of all 2020 Medicare Advantage plans with drug coverage will have a $0 premium and a $0 initial deductible (982 $0/$0 plans out of a total of 3,735 MAPD plans).
As might be expected, the highest concentration of $0/$0 Medicare Advantage plans are in Florida and California.
However, in 46 states across the country Medicare beneficiaries will have access to 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 32 Medicare Advantage plans (MAPDs) with a $0 deductible and $0 monthly premium, 28 of these plans have some Gap (or Donut Hole) Coverage and 18 of those Medicare Advantage plans have a MOOP of $3,400 or less.
| 2020 Medicare Advantage plans (MAPDs) with No Initial Deductible ($0) and No Monthly Premium ($0) |
||||||
| Medicare Advantage Plan Type (MAPD) |
Gap (Donut Hole) Coverage | 2020 Plans | 2019 Plans | Change '19 to '20 |
2018 Plans | 2017 Plans |
| Local HMO | No Gap Coverage | 283 | 215 | 68 | 171 | 121 |
| Local HMO | Yes | 536 | 419 | 117 | 313 | 309 |
| Local PPO | No Gap Coverage | 46 | 16 | 30 | 6 | 2 |
| Local PPO | Yes | 73 | 50 | 23 | 26 | 28 |
| Medicare-Medicaid Plan | No Gap Coverage | 0 | 0 | 0 | 0 | 0 |
| Medicare-Medicaid Plan | Yes | 44 | 50 | -6 | 54 | 62 |
| PFFS | No Gap Coverage | 0 | 0 | 0 | 0 | 0 |
| Regional PPO | No Gap Coverage | 0 | 0 | 0 | 0 | 0 |
| Total Plans | 982 | 750 | 232 | 570 | 522 | |
As a reminder: Look beyond the $0 premium and $0 deductible!
Be sure to determine whether the Medicare Advantage plan you are considering:
- has an acceptable annual Medicare Part A and Part B Maximum
Out-of-Pocket limit (or MOOP),
- has a healthcare network including the physicians or health care providers that you can visit (with acceptable limits on out-of-network healthcare), and
- provides a formulary (drug list) most affordably covering your prescription drugs (and includes your local pharmacies in their network).
You can use our MA-Finder to preview all $0 Premium 2020 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.)