As can be seen in the table below, in 2021, there will be 1,248 Medicare Advantage plans with prescription drug coverage (MAPDs
a $0 Part D initial deductible and a $0 monthly
premium ($0/$0 plans) - as compared to 982 $0/$0 plans available in 2020.
In other words, 30% of all 2021 Medicare Advantage plans with drug coverage
will have a $0 premium and a $0 initial deductible for Medicare Part D drugs (1,248 $0/$0 plans out of a total
of 4,186 MAPD plans) - as compared to 26% of MAPDs in 2020.
As might be expected, the highest concentration of $0/$0 Medicare
Advantage plans are located in Florida
However, in 47 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,
offers 36 Medicare Advantage plans (MAPDs) with a $0 deductible and $0 monthly
premium, 32 of these plans have some Gap (or Donut
and 19 of those Medicare Advantage plans have a MOOP of $3,450 or
As a reminder: Be sure to look beyond the $0 premium and $0
As you review your 2021 Medicare plan options, be sure the Medicare Advantage plan you are
- 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
Need additional help finding a plan?
If you are unsure about your Medicare Advantage plan options, contact a
Medicare representative at 1-800-633-4227.
You can also use our MA-Finder to preview
all $0 Premium 2021 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