Last Updated : 10/31/20193 min read

If you’re doing some research about Medicare Advantage plans, you might have discovered some $0-premium Medicare Advantage plans. But just because a Medicare Advantage plan has a zero premium doesn’t mean the plan covers all your health-care costs.

0 Dollar Copay Health Insurance

Find affordable Medicare plans in your area

What are $0-premium Medicare Advantage plans?

No matter whether they have a $0 premium or not, Medicare Advantage plans give you an opportunity to receive your Medicare benefits through a private insurance company contracted with Medicare.

Under the Medicare Advantage (also called Medicare Part C) program, plans must offer the same benefits as Original Medicare, Part A and Part B, but if you need hospice benefits, they’d come directly through Medicare Part A instead of through the plan.

A copay is a fixed amount you pay for a health care service, usually when you receive the service. The amount can vary by the type of service. How it works: Your plan determines what your copay is for different types of services, and when you have one. You may have a copay before you’ve finished paying toward your deductible. Deductibles, copayments, coinsurance, tiers, Medicare prescription drug plans, costs, covered prescriptions, generic and brand-name drugs. Have commercial/private insurance: Pay $0. if your Apidra co-pay is $100 or less. If your co-pay is more than $100, Sanofi covers the first $100.Terms and eligibility restrictions apply. The majority of people pay $0 a month for the #1 prescribed branded pill for plaque psoriasis. † Wondering if you qualify? Fill out and submit the form above or call 1-844-4OTEZLA. Even if you have health insurance through your employer, you’re eligible to pay $0 each month for Otezla.

What out-of-pocket costs might $0-premium Medicare Advantage plans have?

Medicare Advantage plans (whether $0-premium or not) typically come with certain out-of-pocket costs, just as most health insurance does. These expenses may include copayments, coinsurance, and deductibles.

• A deductible is the amount you have to pay before your Medicare Advantage plan pays its share of covered services. Not every plan might have a deductible amount, and they may vary among plans.
• A copayment is generally a set dollar amount you may have to pay for a covered service (for example, $15).
• A coinsurance amount is a percentage of the total cost that you may have to pay for a covered service (for example, 20%).

Insurance companies offering Medicare Advantage plans have some flexibility in setting their rates. Plan premiums, deductibles, coinsurance amounts, and copayments may vary among plans.

Another cost-related item to consider is the plan’s maximum out-of-pocket amount. Every Medicare Advantage plan, including $0-premium plans, has an out-of-pocket maximum that can vary among plans and might change year to year. This amount is the total cost you have to pay for Medicare-covered services. Once you have spent a certain amount on these services in one calendar year, you won’t have to pay any more for covered services that year.

So, before you decide to enroll in a $0-premium Medicare Advantage plan, you might want to look at these other costs. It may be a good idea to compare all costs among plans when you’re looking at Medicare Advantage plans.

What else do I need to know about $0-premium Medicare Advantage plans?

Average Medicare Advantage premiums dropped 33 percent year over year in 2019, according to eHealth research. The popularity of $0-premium plans contributed to the low average premiums.

Medicare Part D plans are not available with $0-premiums.

Whether or not it’s a $0-premium Medicare Advantage plan that you sign up for, you still need to continue paying your Medicare Part B premium, in addition to any premium your plan may charge. You’re still in the Medicare program even when you receive your benefits through a Medicare Advantage plan.

As you can see, the cost of a Medicare Advantage plan’s premium isn’t all there is to choosing which Medicare Advantage plan may be right for you. It could be a $0-premium Medicare Advantage plan, or a different plan that might suit your needs. Would you like help comparing $0-premium Medicare Advantage plans and other Medicare health plans? Just enter your ZIP code on this page.

Eligible patients with commercial insurance may pay as little as a $0 copay for each EYLEA treatment with the EYLEA Copay Card. Subject to annual assistance limit.^†

THE EYLEA COPAY CARD PROGRAM

Patients diagnosed with Wet Age-related Macular Degeneration (Wet AMD), Diabetic Macular Edema (DME), Diabetic Retinopathy (DR), or Macular Edema following Retinal Vein Occlusion (MEfRVO) who have private insurance may qualify for copay assistance:

• Your insurance covers EYLEA
• You have a copay for EYLEA
• You’re a resident of the USA or its territories or possesions

Apply by calling an EYLEA4U® Support Specialist at 1-855-EYLEA4U (1-855-395-3248) and press Option 4. Hours: Mon-Fri 9 a.m. – 8 p.m. Eastern Time.

Other assistance options

0 Copay Insurance

If you have government insurance (like Medicare), are uninsured, or if your health plan doesn’t cover EYLEA, there are still financial assistance options available for eligible patients.

Alternate Coverage Referral^‡ may be an option if you have government insurance. The Patient Assistance Program may help eligible patients get EYLEA free of charge if you are uninsured or if your health plan doesn’t cover EYLEA.

Additional assistance options

^‡Regeneron does not influence or control the operations of independent charitable foundations and cannot guarantee assistance will be provided.

How does the EYLEA Copay Card Program work?

Here’s an example: You have commercial health coverage, and pay $490 in out-of-pocket copay/coinsurance for each EYLEA treatment. If you enroll in the EYLEA Copay Card Program, the program would cover the $490 if you have not exceeded the $15,000 per-year limit. You would be responsible for any additional copay costs that exceed the program assistance limit.

^‡The EYLEA Copay Card Program covers up to $15,000 in assistance per year toward product-specific copay, coinsurance, and insurance deductibles for EYLEA treatments. You pay as little as a $0 copay of each treatment and any additional copay costs that exceed the program limits.

0 Copay Dental Insurance

EYLEA4U Offers Live Support.

EYLEA4U® Support Specialists are here to listen to your story and answer your questions. These Specialists can help by:

• Determining the support program that may be right for you
• Providing information about your health plan
• Working with your doctor’s office and health plan to help determine your coverage

What Does $0 Copay Mean

Receive support by calling an EYLEA4U® Support Specialist at 1-855-EYLEA4U (1-855-395-3248) Monday through Friday 9 AM to 8 PM Eastern Time. Press 2 for Medical Information questions, 3 to report an adverse event, 4 for patient assistance programs, or 6 if you need help getting to and from your eye appointments.

What Is $0 Copay

Get tips for living with low vision, what to talk with your doctor about, how to approach appointments/treatment, and more.

Get the latest materials and communications about EYLEA—and a complimentary pocket magnifier, too.