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). In fact in 2016, 1,191 counties (or county equivalents) across
the country (that is approximately 38% of all counties) offer $0/$0 MAPD plans. However, these $0/$0 plans tend to be available in
areas that are more heavily populated. The highest
concentration of these plans are in
Florida and
California, but 41 of the 49 states offering Medicare Advantage plans have
at least one $0 deductible / $0 monthly premium plan.
As an example,
Miami-Dade County, Florida
offers 30 $0/$0 Medicare Advantage plans, 27 of which
have some Gap Coverage
and 14 of those
have a MOOP of $3,400 or less.
2016 Medicare Advantage Plans with
No Deductible and No Monthly Premium |
Health Plan Type |
Gap
(Donut Hole) Coverage |
2016 Plans |
2015 Plans |
Change
'15 to '16
|
% Change
'15 to '16
|
2014 Plans |
Local HMO |
No Gap
Coverage |
176 |
198 |
-22 |
-11% |
234 |
Local HMO |
Yes |
300 |
333 |
-33 |
-10% |
432 |
Local PPO |
No Gap
Coverage |
13 |
21 |
-8 |
-38% |
51 |
Local PPO |
Yes |
13 |
15 |
-2 |
13% |
8 |
Medicare-Medicaid Plan |
No Gap
Coverage |
66 |
32 |
34 |
106% |
1 |
Medicare-Medicaid Plan |
Yes |
0 |
0 |
no change |
3 |
PFFS |
No Gap
Coverage |
0 |
0 |
no change |
1 |
Regional PPO |
No Gap
Coverage |
0 |
0 |
no change |
9 |
You can use our MA-Finder to
Preview all $0 Premium 2016 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.