Do I still pay the Part B premium with Medicare Advantage?

Usually, yes. You remain enrolled in Medicare Part B and generally continue paying the Part B premium. Some plans may offer a Part B premium reduction or “giveback,” but availability and amounts vary by plan and location.

What is the most I can pay in a year?

Your Medicare Advantage plan sets an annual limit for covered Part A and Part B cost sharing within federal requirements. Look for the plan's specific in-network maximum and, for a PPO, any combined in- and out-of-network maximum. Premiums, Part D drug costs, and noncovered services generally do not count toward that medical limit.

Is a $0-premium plan lower quality?

Not necessarily. Premium alone does not measure quality or fit. Compare the plan's provider network, drug formulary, Star Rating when applicable, prior-authorization rules, cost sharing, benefits, and annual out-of-pocket maximum.

Can Medigap pay my Medicare Advantage copays?

No. Medigap policies are designed to work with Original Medicare, not Medicare Advantage. A person cannot use a Medigap policy to cover Medicare Advantage deductibles, copays, or coinsurance.

Are dental, vision, hearing, or over-the-counter benefits free?

Some Medicare Advantage plans include additional benefits, but the amounts, networks, covered services, frequency limits, and other rules vary. Review the plan documents rather than choosing a plan based only on an advertised allowance.

What happens if I move?

Medicare Advantage plans have service areas. Moving outside a plan's service area can trigger a Special Enrollment Period, while a move within the service area may change the options available. Report the move and compare the plans available at the new address.

Do people with Medicare and Medicaid pay the same costs?

Not always. Medicaid and programs such as Medicare Savings Programs or Extra Help may reduce eligible beneficiaries' premiums and cost sharing. Eligibility and assistance depend on the person's circumstances and state rules. Learn more about Medicare and Medicaid eligibility.

Does it cost extra to work with O'Neal Insurance Group?

O'Neal Insurance Group does not charge you a fee for its Medicare plan guidance. Agents may be compensated by insurance carriers when an enrollment occurs.

2027 Medicare Advantage costs

Medicare Advantage Costs in 2027

A $0 plan premium does not mean $0 total cost. Compare premiums, deductibles, copays, coinsurance, drug costs and the plan’s annual medical out-of-pocket limit.

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The costs to compare

Your Medicare Part B premium and any income-related adjustment that applies to you.
The Medicare Advantage plan premium, if any.
Medical deductibles, copays and coinsurance.
The plan’s annual medical out-of-pocket maximum for covered Part A and Part B services.
Part D prescription drug costs when drug coverage is included.

Why $0 premium is not the same as free

Some Medicare Advantage plans have a $0 additional monthly plan premium, but you generally continue paying your Medicare Part B premium. You can also owe cost sharing when you use covered services. Plan premiums and cost sharing vary by plan and service area.

Medical costs and drug costs are separate

A Medicare Advantage plan’s medical out-of-pocket maximum applies to covered Part A and Part B services. Prescription drug spending follows Part D rules instead. For 2027, the standard Part D deductible is $700 and the annual out-of-pocket threshold for covered Part D drugs is $2,400.

Do not compare plans on premium alone

A lower premium can come with different specialist copays, hospital cost sharing, provider networks, prior authorization rules or drug coverage. Estimate the costs most likely to affect you based on your doctors, prescriptions and expected use of care.

2027 plan-specific amounts may vary

Exact 2027 Medicare Advantage premiums, deductibles, medical out-of-pocket limits and supplemental benefits are plan-specific and can vary by county. Review the current Evidence of Coverage, Summary of Benefits and formulary for the exact plan you are considering.

Can a Medicare Advantage plan have a $0 premium?

Yes, some plans can have a $0 additional plan premium. You generally still pay your Medicare Part B premium and can owe other plan cost sharing.

Are all Medicare Advantage out-of-pocket limits the same?

No. The medical out-of-pocket maximum is plan-specific and should be checked before enrolling.

Compare the full 2027 cost picture

Get no-cost help reviewing represented Medicare Advantage options, provider networks, prescriptions and expected cost sharing.

Call (877) 808-2900

Compare Plans Online