Free Medicare Advantage – Plans for $0/month
Are there really FREE Medicare Advantage plans?
Medicare Advantage plans, also known as Medicare Part C, are offered through many different insurance companies as an alternative to Original Medicare Part A and B.
Though many of these plans might be marketed and advertised as “free”, in reality there are always costs when enrolling in a Medicare plan. We’ll help you learn about the different Medicare Advantage plans available in your area, as well as help you find a plan to fit your needs.
Whether you use our website on your own and enroll online, or allow one of our licensed insurance agents to help you, we make it easy to find a Medicare Advantage plan to fit your needs in 2023 and beyond.
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Medicare Advantage Plans in 2023 may include:
- Prescription drug coverage
- Dental and vision benefits
- Wellness coverage
- Gym membership
- Meal delivery
Free Medicare Advantage means that the plan just has a $0 monthly premium. This doesn’t necessarily mean the plan has less coverage than one with a monthly premium. When it comes to choosing the right plan, there are many different options available.
We can help narrow down which plan fits your needs the best, whether it’s “free” or one with a monthly premium.
Is there really a Free Medicare Advantage Plan?
Just because a Medicare Advantage plan has no monthly premium, that doesn’t mean there will be no out-of-pocket costs while using your coverage. In fact, even Free Medicare Advantage has costs for things such as:
- Medicare Part B Premium – Even if you enroll in a Medicare Advantage plan (whether free or not), you must still pay the monthly Medicare Part B premium.
- Deductibles – Medicare Advantage plans might have an annual deductible you must meet prior to receiving coverage. There may also be a deductible for your prescription drug coverage built into the plan
- Copayments and/or Coinsurance – Most of the Medicare Advantage plans available charge copayments when you use the coverage. This is a fee each time you use your benefits, and the cost depends on the plan you enroll in.
So obviously what seemed like free Medicare Advantage coverage, is no longer “free”.
Medicare Advantage Plans Types
Medicare Advantage plans are offered in 4 main types:
- (HMO) Health Maintenance Organization Plans
- (PPO) Preferred Provider Organization Plans
- (PFFS) Prive Fee-for-Service Plans
- (SNPs) Special Needs Plans
One of our licensed insurance agents can easily assist you in choosing the right Medicare plan to fit your needs as well as answer your questions about Medicare.
Health Maintenance Organizations (HMOs)
HMO plans are Medicare Advantage plans that are commonly marketed as free Medicare Advantage, and they use a network to provide coverage to people on Medicare. In an HMO you choose a primary care physician (PCP) who also provides you with referrals to see specialists in the network. You may not get coverage outside the network unless in an emergency.
Many HMOs also include prescription drug coverage built into the plan which is helpful.
HMOs have monthly premiums as low as $0 depending on your area, which is why they might seem free.
Preferred Provider Organization (PPO)
PPOs are Medicare Advantage plans that are more comprehensive than HMOs as they allow you to visit doctors outside of the network if you wish. This typically results in a higher cost though.
Medicare Prescription drug plans are often included in many PPO plans, and these plans are also sometimes offered with $0 monthly premiums.
You can compare Medicare Advantage plans of all types in your area by simply entering your zip code below to get started.
You’ll see various plans available in your area and you can even enroll online yourself!
Private Fee-for-Service Plans (PFFS)
PFFS Medicare Advantage plans are slightly different due to the fact that the plan decides the amounts that it will pay doctors and providers. Doctors accepting PFFS plans must agree to the terms of the plan.
If you decide to see a doctor outside of the plan’s agreement it may result in much higher costs. Prescription drug coverage might be available within the PFFS plan, however, if you find a plan you’d like to enroll in that doesn’t offer prescription coverage, you may enroll separately in a stand-alone Medicare Part D prescription drug plan.
There is no need to choose a primary care doctor with a PFFS plan.
Special Needs Plans (SNPs)
Special Needs Plans (SNPs) help people with specific diseases, and you may qualify for one of these if you are in this situation. We can help determine if a SNP is right for you.
If you have one of the following conditions you might qualify for a SNP:
- Alcohol dependence
- Various autoimmune disorders
- End-stage renal disease (ESRD) requiring dialysis
- And more.Contact us to see if you qualify.
Medicare Advantage Plan Companies
Medicare Advantage plans in 2023 is offered by many several insurance companies. These include:
- United Healthcare
- Blue Cross Blue Shield
And many more.
There are several various elements that are involved when it comes to choosing the right Medicare Advantage plan. These include your zip code and country, any health issues, your prescriptions, as well as which doctors accept the plan.
Call us today or enter your zip code below to find the right plan.
Are there free Medicare Advantage plans for 2023?
Don’t forget that Medicare Advantage plans aren’t truly free, there are out-of-pocket costs you will have to pay when you use your coverage.
That being said, there are several different components that are involved when choosing a Medicare Advantage plan. These include things like your current health conditions, which prescription drugs you take, and whether your doctors accept the plan or not.
When choosing a Medicare Advantage plan in 2023, you need to consider the following:
Does your doctor accept the plan and participate in the network? We can help you find out.
- You should compare the various out-of-pocket costs you may have to pay. All Medicare Advantage plans have a monthly premium except those with $0/month premiums (commonly referred to as free Medicare Advantage). They also have a maximum out-of-pocket cost, which is the most you’ll pay in a year for covered health care.
Check the star ratings of each plan. The Centers for Medicaid and Medicare Services (CMS) assigns star ratings to each plan for its performance which will help you determine if a plan is right for you.
Medicare Advantage Plan Ratings
Medicare and the Centers for Medicare & Medicaid Services (CMS) have a rating system for Medicare Advantage plans each year.
The plans are rated by stars, with five being the highest.
Medicare Advantage and Medicare Part D prescription drug plans are rated on a scale from 1 to 5:
One Star = Poor
Two Stars = Below average
Three Stars = Average
Four Stars = Above average
Five Stars = Excellent
Because all Medicare Advantage plans are different and everyone’s needs are different, there is no one best plan for everyone.
The good news is that there is almost always an affordable Medicare Advantage plan for everyone.
When to Enroll
The Medicare annual enrollment period (AEP) begins each October 15th and runs through December 7th.
During this time frame, you may enroll in a Medicare Advantage plan or change to a different plan.
Your new plan will then go into effect on January 1st.
New to Medicare?
If you are new to Medicare, then you can enroll in a Medicare Advantage plan up to three months prior to your Medicare Part B effective date.
Call us today to get help from one of our licensed agents to see what the best time frame is for you to enroll, based on your current situation.
Medicare Advantage Plans for 2023
Call today to speak to one of our licensed insurance agents. They can help you compare Medicare Advantage plans for 2023.
Our licensed agents help you:
- Compare the various costs, benefits, and coverage of each plan in your area
- Choose a plan that fits your needs based on your current health situation
- Help you enroll in a Medicare Advantage plan for 2023
We make it easy!