Zero Copay Health Insurance

• Maricopa County Health Insurance Plans
• What Is Zero Copay
• Zero Copay Health Insurance Reviews
• Zero Copay Health Insurance Coverage

Last Updated : 09/16/20182 min read

Attention: This website is operated by HealthMarkets Insurance Agency and is not the Health Insurance Marketplace ® website. In offering this website, HealthMarkets Insurance Agency is required to comply with all applicable federal laws, including the standards established under 45 C.F.R. § 155.220(c) and (d) and standards established under. Our zero copay program was developed to lower out-of-pocket costs for certain prescription drugs and promote compliance with prescribed drug therapy. Essentially, this program reduces the copayment for select formulary generic drugs to $0! Prescriptions filled at a participating pharmacy (retail or mail order) for any of the generic drugs listed on the information sheet will be filled for a $0 copay! At Independent Health, we want you to Know Your Zero SM - so you’re aware of all the $0 preventive services we offer to keep you healthy. In fact, preventive services are even excluded from deductibles, so those enrolled in a deductible plan can enjoy $0 preventive services right from the start! Learn how you can get the most out of your health insurance benefits. Use Your Benefits Get The Most from Your Benefits. A high deductible health plan with a traditional copay phase. Embrace Health A comprehensive medical plan with a bonus account. Exclusive Provider Organization (EPO). Suppose a patient has a health insurance plan with a $30 copay to visit a primary care physician, a $50 copay to see a specialist, and a $10 copay for generic drugs.

Medicare Part C (Medicare Advantage) plans are required to offer at least the same amount of coverage as Original Medicare, Part A and Part B (except for hospice care, which remains covered by Medicare Part A). Medicare Advantage plans are sold by private insurers that have contracted with the Medicare program.

Find affordable Medicare plans in your area

What additional services Medicare Advantage plans cover will vary from plan to plan, and so will your copayments and coinsurance. Some Medicare Advantage plans may also include additional benefits that Original Medicare does not; for example, vision, dental, hearing, and prescription drug therapy.

Some Medicare Advantage plans may even feature a zero-dollar ($0) premium. While these plans may work well for some, it is important to note they are not necessarily the cheapest Medicare Advantage offerings in your market.

These zero-dollar Medicare Advantage plan premiums may include higher prescription drug costs, copayments, and deductibles. No matter which Medicare Advantage plan you join, you must continue paying your Part B premium as well.

Do you have more questions about Medicare Advantage? Want to talk about all the Medicare plan options in your area? I can help you there.

• Check out my profile. Access it using the “View profile” link below. This will give you a pretty good sense of who I am and why I enjoy helping people understand Medicare.
• Use the other links below to arrange a time to speak with me on the phone. I can email you information ahead of time to get you started.
• If you’d like to explore on your own for now, click the Compare Plans buttons on this page to browse the private Medicare plans available in your area.

Last Updated : 10/31/20193 min read

If you’re doing some research about Medicare Advantage plans, you might have discovered some $0-premium Medicare Advantage plans. But just because a Medicare Advantage plan has a zero premium doesn’t mean the plan covers all your health-care costs.

Find affordable Medicare plans in your area

What are $0-premium Medicare Advantage plans?

No matter whether they have a $0 premium or not, Medicare Advantage plans give you an opportunity to receive your Medicare benefits through a private insurance company contracted with Medicare.

Maricopa County Health Insurance Plans

Under the Medicare Advantage (also called Medicare Part C) program, plans must offer the same benefits as Original Medicare, Part A and Part B, but if you need hospice benefits, they’d come directly through Medicare Part A instead of through the plan.

What out-of-pocket costs might $0-premium Medicare Advantage plans have?

Medicare Advantage plans (whether $0-premium or not) typically come with certain out-of-pocket costs, just as most health insurance does. These expenses may include copayments, coinsurance, and deductibles.

• A deductible is the amount you have to pay before your Medicare Advantage plan pays its share of covered services. Not every plan might have a deductible amount, and they may vary among plans.
• A copayment is generally a set dollar amount you may have to pay for a covered service (for example, $15).
• A coinsurance amount is a percentage of the total cost that you may have to pay for a covered service (for example, 20%).

Insurance companies offering Medicare Advantage plans have some flexibility in setting their rates. Plan premiums, deductibles, coinsurance amounts, and copayments may vary among plans.

Another cost-related item to consider is the plan’s maximum out-of-pocket amount. Every Medicare Advantage plan, including $0-premium plans, has an out-of-pocket maximum that can vary among plans and might change year to year. This amount is the total cost you have to pay for Medicare-covered services. Once you have spent a certain amount on these services in one calendar year, you won’t have to pay any more for covered services that year.

So, before you decide to enroll in a $0-premium Medicare Advantage plan, you might want to look at these other costs. It may be a good idea to compare all costs among plans when you’re looking at Medicare Advantage plans.

What else do I need to know about $0-premium Medicare Advantage plans?

What Is Zero Copay

Average Medicare Advantage premiums dropped 33 percent year over year in 2019, according to eHealth research. The popularity of $0-premium plans contributed to the low average premiums.

Medicare Part D plans are not available with $0-premiums.

Zero Copay Health Insurance Reviews

Whether or not it’s a $0-premium Medicare Advantage plan that you sign up for, you still need to continue paying your Medicare Part B premium, in addition to any premium your plan may charge. You’re still in the Medicare program even when you receive your benefits through a Medicare Advantage plan.

Zero Copay Health Insurance Coverage

As you can see, the cost of a Medicare Advantage plan’s premium isn’t all there is to choosing which Medicare Advantage plan may be right for you. It could be a $0-premium Medicare Advantage plan, or a different plan that might suit your needs. Would you like help comparing $0-premium Medicare Advantage plans and other Medicare health plans? Just enter your ZIP code on this page.