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More 2022 Medicare Advantage plans with a Medicare Part B premium "Giveback" feature.

Category: Annual Medicare Plan Changes
Published on 2021-10-05 14:09:20

The 2022 Medicare Advantage plan information recently released by the Centers for Medicare and Medicaid Services (CMS) shows that Medicare beneficiaries can expect more Medicare Advantage plans in many areas across the country with continued low monthly premiums.

Our preliminary review of the Medicare Advantage plan landscape show, as in past years, over 90% of 2022 Medicare Advantage plans will include prescription drug coverage (MAPDs) and the majority (65%) of 2022 Medicare Advantage plans will be local HMOs (Health Maintenance Organizations).

And, in addition to overall lower-premium 2022 Medicare Advantage plans noted by CMS, 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).

The most economical Medicare Advantage plan option?

Finding a $0 premium Medicare Advantage plan with a $0 prescription drug deductible - that includes a generous drug list (formulary), cost-sharing, supplemental benefits, healthcare network, and low maximum out-of-pocket limit (MOOP) is certainly hard to ignore when contemplating Medicare Advantage plans.

However, even better may be finding the same type of  $0 premium/$0 deductible Medicare Advantage plan that also returns a portion of your Medicare Part B premium or provides a "Giveback", "Dividend", or "Rebate" feature to their Medicare plan members.  (This means your monthly Medicare plan premium is $0 and you also get a portion of your Part B premium returned to you.)

And there are more Part B premium Giveback Medicare Advantage plans in 2022 - but still not available everywhere.

Please remember, the availability of Medicare Advantage plans with Part B premium Givebacks will depend on where you live (County, Zip Code area or partial-ZIP) - and, the amount of your Medicare Part B premium that you receive as a "Giveback" will also depend on your Medicare Advantage plan and the area of the country where you are located.

For example, 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.

As a comparison, 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.

As an older 2021 online example, here is a link to all counties in New York state and a total of the number of 2021Medicare Advantage plans:

And here is an “example” link to all 109 of the 2021 Medicare Advantage plans in Queens County:

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

So now that you see 109 Medicare Advantage plans in this area, you can select the Give Back filter and then also select the "Display Medicare Part B Giveback Amount" from the Additional Info box, - after you click the green "Click to Find Plans" button, you can see the "Giveback Amount" in the right column.

Q1Medicare Medicare Advantage Plan Finder filter to show plans with Part B Give Back
So, in our example, when you “check” the “Part B Giveback plans” box at the top of the page, you will see that five (5) 2021 Medicare Advantage plans offer the Part B rebate in this county, --- then, when you change the “Additional Info” box to “Display Medicare Part B Giveback Amount”, you will see that the Part B premium rebates in the right-column 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.

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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.
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  • 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.