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More $0 premium 2022 Medicare Advantage plans that include prescription drug coverage (MAPDs) with a $0 initial deductible

Category: Annual Medicare Plan Changes
Published on 2021-10-02 10:03:59


As noted in a September CMS press release, the average Medicare Advantage plan premium is expected to decline in 2022 with 86% of all 2022 Medicare Advantage plans having a monthly premium under $50 per month.

And in addition to overall lower-premium 2022 Medicare Advantage plans, our analysis found thirty-four percent (34%) of all 2022 Medicare Advantage plans that include prescription drug coverage (MAPDs) will have a $0 premium and $0 initial drug deductible (up from 30% in 2021).

As can be seen in the table below, in 2022, there will be 1,560 Medicare Advantage plans with prescription drug coverage (MAPDs) having a $0 Part D initial drug deductible and a $0 monthly premium ($0/$0 plans) - as compared to 1,248 $0/$0 plans available in 2021.

In other words, over one-third of all 2022 Medicare Advantage plans with drug coverage (MAPDs) will have a $0 premium and a $0 initial deductible for Medicare Part D drugs (1,560 $0/$0 plans out of a total of 4,601 MAPD plans) - as compared to 30% of MAPDs in 2021.

As might be expected, the highest concentration of  $0/$0 Medicare Advantage plans are located in Florida and California.  However, 47 different states will have one or more counties where 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 43 Medicare Advantage plans (MAPDs) with a $0 deductible and $0 monthly premium, 38 of these plans have some Gap (or Donut Hole) Coverage and 27 of those Medicare Advantage plans have a MOOP of $3,450 or less.

2022 Medicare Advantage plans (MAPDs)
with No Initial Deductible ($0) and No Monthly Premium ($0)
Medicare Advantage Plan Type (MAPD)Gap (Donut Hole) Coverage2022 Plans2021 PlansChange '21 to '222020 Plans2019 Plans
Local HMONo Gap Coverage305333-28283215
Local HMOYes921683238536419
Local PPONo Gap Coverage12488364616
Local PPOYes167100677350
Medicare-Medicaid PlanNo Gap Coverage

0

Medicare-Medicaid PlanAll Generics and All Brands4344-14450
PFFSNo Gap Coverage

0

Regional PPONo Gap Coverage

0


Total Plans1,5601,248312982750


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 2022 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).
Reminder #2:  Medicare Advantage plans with Medicare Part B premium "Giveback"

Some $0/$0 Medicare Advantage plans also return a portion of your Medicare Part B premium or provide a "Giveback", "Give Back", "Dividend", or "Rebate" option to their Medicare plan members.  The amount of your Medicare Part B premium that you receive as a "Giveback" will depend on your Medicare Advantage plan and the area of the country where you are located.

For example, in 2021 about 2,600 counties (or Zip Code areas) include at least one Medicare Advantage plan with a Part B “Give Back” or refund (equating to about 9,500 unique plan/county combinations of different 2021 Medicare Advantage plans) with the amount of the give-backs ranging from $0.10 up to $144.60.

In 2022 over 2,800 counties (or Zip Code areas) include at least one Medicare Advantage plan with a Part B premium “Giveback” (equating to about 14,000 unique plan/county combinations of different 2022 Medicare Advantage plans) with the amount of the give-backs ranging from $1 up to $148.50.

However, the availability of Medicare Advantage plans with Part B premium Givebacks will depend on where you live (County, Zip Code area or partial-ZIP).

As an older 2021 example, here is a link to all counties in New York state and a total of the number of 2021Medicare Advantage plans:
https://q1medicare.com/2021/MedicareAdvantage-2021CHealthPlanMAPDHMOPPONewYork.php

And here is an “example” link to the 109 2021 Medicare Advantage plans in Queens County:
https://q1medicare.com/PartD-SearchMA-Medicare-2021PlanFinder.php?state=NY&countyCode=36081&showCounty=Queens

You will notice that Q1Medicare has a search “filter” for Medicare Part B Give-Back or rebate plans within our Q1Medicare Medicare Advantage Plan Finder (https://MA-Finder.com).

When you “check” the “Part B Giveback plans” box at the top of the page (look within the search criteria fields), you will see that five (5) 2021 Medicare Advantage plans offer the Part B rebate, --- then, when you change the “Additional Info” box to “Display Medicare Part B Giveback Amount”, you will see that the Part B premium rebates range from $5 to $70 per month.

You can change the ZIP Code from Queens County to where you live to see plans in your area.

For more information, instructions for using the filter, and screen shots please see our Frequently Asked Question:
“Do any Medicare Advantage plans refund or give back a portion of my Medicare Part B premium?”: https://Q1FAQ.com/741.html.

As always, you can also call the plans for more Give-Back information (the telephone number for Member Services is available when you click on the plan name).

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 2022 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.