I have seen the term Zero Cost being used regarding Medicare Advantage programs. I do not like this description since I have been paying toward Medicare since it began through payroll deductions.. Since I have retired and am on Social Security (which I also paid premiums all my working life), I also have a monthly premium for Part B Medicare deducted from my SS payment. For 2018 that premium was $134/Mo which is $1608 per year. Without going into details and recognizing that each persons data is unique, it is likely that I have at least $2000 invested into Medicare Part A and Part B benefits. Then if I select a "Zero Cost " Advantage program, I am really paying the $2000 for this program.
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