Yes. There are quite a few Medicare Advantage plans
that offer prescription drug coverage with a $0 deductible and a $0 monthly
premium ($0/$0). The highest
concentration of these plans are in
Florida and
California, but 45 of the 49 states offering Medicare Advantage plans do have
at least one $0 deductible / $0 monthly premium plan.
As an example,
Miami-Dade County, Florida
offers 35 $0/$0 Medicare Advantage plans, 31 of which
have some Gap Coverage
and 18 of those
have a MOOP of $3,400 or less.
2015 Medicare Advantage Plans with
No Deductible and No Monthly Premium |
Health Plan Type |
Gap (Donut Hole) Coverage |
2015 Plans |
2014 Plans |
Change '14 to '15
|
% Change '14 to '15
|
Local HMO |
No Gap Coverage |
190 |
234 |
-44 |
-19% |
Local HMO |
Yes |
326 |
432 |
-106 |
-25% |
Local PPO |
No Gap Coverage |
20 |
51 |
-31 |
-61% |
Local PPO |
Yes |
14 |
8 |
6 |
75% |
Medicare-Medicaid Plan |
No Gap Coverage |
32 |
1 |
31 |
3100% |
Medicare-Medicaid Plan |
Yes |
0 |
3 |
-3 |
-100% |
PFFS |
No Gap Coverage |
0 |
1 |
-1 |
-100% |
Regional PPO |
No Gap Coverage |
0 |
9 |
-9 |
-100% |
You can use our MA-Finder to
Preview all $0 Premium 2015 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.