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More $0 premium 2021 Medicare Advantage plans that include prescription drug coverage (MAPDs) with a $0 initial deductible

Category: Annual Medicare Plan Changes
Published on 2020-09-28 16:33:34


As can be seen in the table below, in 2021, there will be 1,248 Medicare Advantage plans with prescription drug coverage (MAPDs) having 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 and California.

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, Florida offers 36 Medicare Advantage plans (MAPDs) with a $0 deductible and $0 monthly premium, 32 of these plans have some Gap (or Donut Hole) Coverage and 19 of those Medicare Advantage plans have a MOOP of $3,450 or less.

2021 Medicare Advantage plans (MAPDs)
with No Initial Deductible ($0) and No Monthly Premium ($0)
Medicare Advantage Plan Type
(MAPD)
Gap (Donut Hole) Coverage 2021 Plans 2020 Plans Change
'20 to '21
2019 Plans 2018 Plans
Local HMO No Gap Coverage 333 283 50 215 171
Local HMO Yes 683 536 147 419 313
Local PPO No Gap Coverage 88 46 42 16 6
Local PPO Yes 100 73 27 50 26
Medicare-Medicaid Plan No Gap Coverage 0
0
0 0
0
Medicare-Medicaid Plan All Generics and All Brands 44 44 0 50 54
PFFS No Gap Coverage 0
0
0 0
0
Regional PPO No Gap Coverage 0
0
0 0
0

Total Plans 1,248 982 266 750 570


Medicare Advantage MAPD plans with a zero premium and zero drug deductible


As a reminder:  Be sure to look beyond the $0 premium and $0 deductible!

As you review your 2021 Medicare plan options, be sure the Medicare Advantage plan you are considering also:
  • 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).

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 to start.)






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Tips & Disclaimers
  • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.
  • Medicare has neither reviewed nor endorsed the information on our site.
  • We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
  • We are an independent education, research, and technology company. We are not affiliated with any Medicare plan, plan carrier, healthcare provider, or insurance company. We are not compensated for Medicare plan enrollments. We do not sell leads or share your personal information.
  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDP-Compare.com and MA-Compare.com provide highlights of annual plan benefit changes.
  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
  • Limitations, copayments, and restrictions may apply.
  • We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
  • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
  • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
  • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
  • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
  • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
  • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
  • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.