Zero-premium Medicare Advantage plans are popular, but not all coverage is the same. Here's what shoppers should know ahead of next week's enrollment.
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The annual open enrollment period for joining, switching or dropping Medicare Advantage health insurance plans provided by private companies starts next week, and zero-premium offerings are expected to be more popular than ever with Americans feelingStarting Oct. 15 and running through Dec. 7, people ages 65 and older, or younger individuals with certain disabilities who qualify under the government's guidelines, can apply for coverage that begins at the start of 2023.
"It’s not a one-size-fits-all program," Melissa Brenner, an insurance broker in Charlotte, North Carolina, told the Associated Press. "You don’t want to look at a zero plan and just enroll in it."plans are similar to traditional government-run plans, except they typically require patients to visit health care providers or pharmacies within a network.
Medicare Advantage plans often require policyholders to visit health care providers within a network.
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Exercise caution with zero-premium Medicare Advantage plansHealth insurers will flood the Medicare Advantage market again this fall with enticing offers for plans that have no monthly price tag. “It’s not a one-size-fits-all program,” said Melissa Brenner, a broker in Charlotte, North Carolina. Medicare Advantage plans are privately run versions of the government’s Medicare program for people who are age 65 and older or have certain disabilities.
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