When shopping for Medicare coverage, you’ve probably seen ads for $0 premium Medicare Advantage Prescription Drug (MAPD) plans. They sound like a great deal—who wouldn’t want a plan with no monthly premium?
But here’s the truth: $0 doesn’t mean free. These plans can still come with costs that impact your budget and health care decisions. Understanding these details is essential before enrolling.
What does “$0 premium” really mean?
A $0 premium MAPD plan means you don’t pay an additional monthly premium for the plan itself. However:
- You still pay your Medicare Part B premium (most people pay $202.90/month in 2026)
- Other costs—like copays, deductibles and coinsurance—still apply
Hidden costs to consider
Even with a $0 premium, you’ll encounter other expenses, such as:
1. Copays
Some services that often have a copay:
- Primary care visits
- Specialist visits
- Hospital stays (per day)
- Prescription drugs
2. Deductibles
Some plans have medical and/or drug deductibles before coverage kicks in.
3. Coinsurance
For certain services, like durable medical equipment or skilled nursing care, you may pay a percentage of the cost.
4. Maximum out-of-pocket (MOOP)
For 2026, Medicare sets the highest MOOP at $9,250, but many plans have lower limits—so you may pay less.
Tip: To help you feel confident and avoid surprises later, take a few minutes to learn about important cost terms.
Prescription drug coverage
Medicare Advantage Prescription Drug (MAPD) plans include drug coverage, but your costs can vary depending on the type of medication. In 2026, Medicare Part D plans cap your drug costs at $2,100. After that, covered prescriptions are paid 100% for the rest of the year.
Tip: Using a preferred pharmacy network for your plan can lower your costs.
Extra benefits
Many $0 MAPD plans offer perks like:
- Dental, vision and hearing coverage
- Health and wellness fitness programs
- Over-the-counter allowances
- Mental wellness resources
Tip: These extra benefits can add value, but make sure they meet your needs.
How to compare $0 MAPD plans
- Consider network size, drug coverage and extra benefits
- Compare the total cost of care, not just the premium
- Use the Medicare Plan Finder at Medicare.gov
Tip: Get help selecting the right Priority Health Medicare plan at prioritymedicare.com