First Of All, Lets Talk About What Medicare is...So What Is Medicare Advantage?
If you're enrolled in Medicare Parts A and B, you may be eligible for a Medicare Advantage plan, also known as Medicare Part C. These plans are convenient because they offer an all in one feature which can combine essentially part A,B and part D(prescription drugs) into one card, so no need for separate cards. These plans offer the same coverage as Medicare, plus many added features like prescriptions, dental, vision, hearing and fitness or wellness programs. For many seniors on a fixed income, steady predictable cost save a lot of headache. Medicare Advantage plans set a cap for your out-of-pocket costs, and when you reach that limit, you pay $0 for covered services.
How's does it work? You go to a doctor in your network. You show your Medicare Advantage card and pay any copay or coinsurance at time of service. Then the difference of costs bill is sent to your Medicare Advantage plan to pay the remaining balance.
Yes its true!! In fact in New Jersey has Six zero premium plans and New York has 15 zero premium plans to choose from. There are other plans available with a monthly premium, but you have a variety of choices. If you still feel cautious go to medicare.gov, there you can verify the zero premium claim.