As might be expected, the highest concentration of these $0/$0 Medicare Advantage plans are in California and Florida. However, 41 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 thirty (30) $0/$0 Medicare Advantage plans (MAPDs), 27 of these plans have some Gap (or Donut Hole) Coverage and 14 of those Medicare Advantage plans have a MOOP of $3,400 or less.
| 2016 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 | 2016 Plans | 2015 Plans | Change '15 to '16 |
2014 Plans |
| Local HMO | No Gap Coverage | 174 | 190 | -16 | 234 |
| Local HMO | Yes | 287 | 326 | -39 | 432 |
| Local PPO | No Gap Coverage | 13 | 20 | -7 | 51 |
| Local PPO | Yes | 8 | 14 | -6 | 8 |
| Medicare-Medicaid Plan | No Gap Coverage | 0 | 32 | -32 | 1 |
| Medicare-Medicaid Plan | Yes | 66 | 0 | 66 | 3 |
| PFFS | No Gap Coverage | 0 | 0 | 0 | 1 |
| Regional PPO | No Gap Coverage | 0 | 0 | 0 | 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.