Enroll in Medicare Advantage with No Monthly Cost

An increasing number of senior citizens are choosing Medicare Advantage Part C plans for their health coverage. It's because if you choose carefully, you can find excellent coverage for a $0 monthly premium. In Philadelphia, zero plans cover hospital and doctor costs – and much more. Major carriers offer the plans, and independent insurance agents like BroadZero can explain your options. You could spend hours researching to compare the coverage. Or, you could save all of that time and let an agent quickly and easily explain the benefits of each plan, and which one could be right for you.

$0 premium Medicare Advantage plans from top carriers come with excellent networks of health care providers. From primary care physicians to medical specialists, their members enjoy access to quality care. For retirees living on fixed incomes, eliminating monthly insurance premiums frees up cash to use for other life essentials. Because original Medicare is an 80/20 plan, it means that recipients are responsible for 20-percent of their medical expenses. With an Advantage plan, insurance carriers agree to provide care that their members need without the requirement that recipients pay 20-percent.

If you're currently in traditional Medicare or about to become eligible, make sure to sign up in your open enrollment period. Each year for Medicare Advantage plans, open enrollment takes place between October 15 and December 7. During that window, you can enroll or make changes to your policy. It's also known as Medicare Part C coverage, and the plans cover all medical and hospitalization costs that fall under Part A and part B of Original Medicare. Enrolling in an Advantage plan with $0 premiums reduces your monthly bills and, in many ways, simplifies the process of getting the health care your need.

Depending on the carrier you choose, you may end up expanding the range of benefits available to you. Advantage plans can offer things not included in traditional Medicare, such as prescription drug coverage, dental, vision, gym memberships, and credits toward the purchase of over-the-counter medicines. Therefore, for many retirees living on fixed incomes, they become attractive options to reduce monthly expenses. In Philadelphia, some carriers even provide transportation to and from doctor visits. It's why comparing plans with the advice of an agent before you choose makes such good sense.