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How can Medicare Advantage Plans in Denver,CO be 0 Premium?


One common struggle clients of mine, who are new to Medicare, often have centers around this question. “Why are Medicare Advantage Plans usually 0 Monthly Premium?”. All of us grew up hearing “theres no such thing as a free lunch”. First remember that Medicare is funded from the deductions from your paycheck your entire life AND the monthly Part B Premium. If you enroll in a Medicare Advantage Plan in your area, Medicare pays that Insurance Company every month your enrolled in that plan. You paid for the coverage, and you just don’t need to pay anymore than you already have.

The biggest confusion comes when they’re told that Part D Prescription Drug coverage is typically included even though it’s 0 premium. The reason that is confusing is because they know they have to pay separate premium for Part D if they choose a Medicare Supplement Plan (example: Plan F). Plans vary from region to region. Generally speaking to bigger the market, the more benefits an Insurance company (i.e. UnitedHealthcare) can offer in the Plan.

Another benefit people love is SilverSneakers Gym Membership giving you unrestricted access to 24 Hour Fitness, LA Fitness, Anytime Fitness, Golds Gym, Curves, YMCA and local recreation centers.

My name is Steve Schrader, I work exclusively in the Medicare market as an agent for Humana and UnitedHealthcare, which offers Medicare Advantage plans as well as Medicare Supplements to residents in the Denver, Charlotte, Dallas, San Antonio and San Diego metro areas. Because UnitedHealthcare offers both types of plans, I can give you the pros and cons of each type of plan, so that you can decide whats best for you. Best of all, it does not cost you anything to use an agent. I licensed to work with clients in Arizona, California, Colorado, North Carolina and Texas.

Give me a call at 303-501-3125 or email