Skip to main content
For assistance, call Clover at 1-888-778-1478 (TTY 711)

Clover Health Medicare Advantage PPO plans earn a 4 Star Rating for 2025!

None

Are Medicare Advantage Plans Free?

As you research Medicare options, you likely have come across Medicare Advantage (Part C) Plans that claim to cost nothing. Is it true? Are Medicare Advantage Plans really free?

By Clover Health

While it’s true that some Medicare Advantage plans come with a $0 monthly plan premium, it’s also true that having a $0 monthly plan premium doesn’t mean the plan is free overall; it just means you don't have to pay a monthly fee for the plan itself. You will also still have to pay your Medicare Part B premium, which can vary depending on income. 

 

How can Medicare Advantage plans have $0 premiums?

Medicare Advantage plans, owned by private insurance companies, are contracted with the federal government. The government pays a set amount to private insurance companies to provide Medicare Advantage plans. These companies might use some of this funding to offer plans with no monthly premium and extra benefits to help their members.

 

What you can expect to pay for a Medicare Advantage Plan

Having a $0 monthly plan premium is wonderful! But you may be wondering what you can expect to pay if you don’t find a zero-cost plan. 


The costs of Medicare Advantage plans vary widely depending on the state, county, and insurance carrier offering them. In 2024, the average monthly premium cost of Medicare Advantage plans in the U.S. was projected to be $18.50*. However, this is not the only indicator of what you will pay because this figure includes plans with a range of coverage options.


For example, most Medicare Advantage plans, like those at Clover Health, include prescription drug coverage, saving members an average of $55.50* per month compared to purchasing a stand-alone Medicare Part D plan. 


Compare plans based on your needs to find the best plan for you.

*Source for monthly plan premium amounts.*

 

Compare Low plan premium and Zero plan premium Medicare Advantage plans

With advancements in technology, comparing Medicare Advantage plans is easier than ever. You can compare plan benefits and prices online simply by providing your zip code. 


When comparing plans, keep your current and future healthcare needs in mind. Make sure to also consider copays, prescription costs, maximum out-of-pocket expenses, and additional benefits each plan may provide in addition to the monthly plan premium. 


A zero-monthly premium plan is only a good deal if it offers the right coverage and benefits for your needs
.
At Clover Health, you can explore plans online with no hassle. We offer low and zero-premium Medicare Advantage plans in New Jersey, Georgia, Pennsylvania, South Carolina and Texas