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IBX Insights

Understanding $0 Medicare Plans

By October 14, 2019December 31st, 2020Health Insurance Medicare
An older couple sits on the couch, looking at a laptop computer together

It’s true! You can pay no monthly premium and still have quality health care coverage with a Medicare Advantage plan. Read on to find out how $0 premium Medicare Advantage plans can give you so much for so little.

Hundreds of thousands of Medicare beneficiaries have chosen coverage under Part C, which is also known as a Medicare Advantage plan. Medicare Advantage plans combine two parts of Original Medicare (Parts A and B) into one plan. They give you access to the doctors and hospitals you want for one low monthly premium — which can be as little as $0.

The government contracts with private insurers like Independence Blue Cross to deliver health care services in a more cost-efficient way. We can also offer extra benefits and programs beyond Original Medicare. These include SilverSneakers® or an over-the-counter allowance. Medicare Advantage plans can also include prescription drug coverage (Part D), saving you even more money.

How Are $0 Premium Plans Possible with All These Great Benefits?

The government reimburses private insurers like Independence for the services we deliver. The reimbursement we receive covers the monthly plan premium. So you can get quality coverage PLUS more benefits than with Original Medicare alone.

We also have exciting news for 2020! We will offer two $0 Medicare Advantage plans: Keystone 65 Basic HMO and the NEW Personal Choice 65SM Prime PPO. Besides a $0 monthly premium, Personal Choice 65SM Prime PPO offers coverage that travels with you, as well as vision, dental, and hearing options. Keystone 65 Basic HMO features no deductibles and $0 Preferred PCP copays. All of our Medicare Advantage plans give you access to a wide range of exclusive discounts and fitness programs to help you stay healthy.

Want to learn more about our different $0 Medicare plans? Reach out to a local agent who can come to your home for a one-on-one consultation. They can explain your plan options. Or call us if you have questions! Our agents are standing by to help.

Website last updated: 10/1/2019



Kortney Cruz

About Kortney Cruz

As Vice President of Sales and Marketing for Medicare at Independence Blue Cross, Kortney is a long-time leader accountable for marketing Medicare and CHIP products and services to the communities we serve, and helping those communities enroll into the Medicare and CHIP coverage they need. She is directly responsible for acquisition and member retention marketing, product development, sales operations and sales management at Independence in the Medicare and CHIP area. Her goal is to deliver innovative and value driven communications, and she is passionate about enriching the connection between Independence Blue Cross and our membership.