Do Medicare Advantage plans pay my Part B premium? How much do they pay, and how do I qualify?
Answered by 1 licensed agent
Some Medicare Advantage plans can help pay part or even all of your Medicare Part B premium. Medicare calls this a Part B premium reduction, although you may hear it advertised as a “Part B giveback.”
For 2026, the standard Part B premium is $202.90 per month. A plan might reduce that by $25, $50, $100 or another amount. The exact benefit depends on the plan available where you live.
You generally do not qualify based on income. You need Medicare Parts A and B, must live in the plan’s service area, and enroll in a Medicare Advantage plan that offers the benefit.
You also still have to stay enrolled in Medicare Part B. The plan is helping reduce the premium — it is not replacing Part B.
The most important step is to read the entire Summary of Benefits and compare it with a more traditional Medicare Advantage plan in your area.
Look at hospital copays, specialist visits, outpatient surgery, diagnostic testing, skilled nursing, prescription costs and the plan’s maximum out-of-pocket limit. A larger Part B giveback may come with higher costs somewhere else.
For example, saving $100 a month gives you $1,200 a year back. But if the plan’s copays and coinsurance could cost you several thousand dollars more during a year when you need care, the giveback may not actually save you money.
So don’t compare Part B givebacks by themselves. Compare the whole plan and what you could realistically pay over the entire year.
For 2026, the standard Part B premium is $202.90 per month. A plan might reduce that by $25, $50, $100 or another amount. The exact benefit depends on the plan available where you live.
You generally do not qualify based on income. You need Medicare Parts A and B, must live in the plan’s service area, and enroll in a Medicare Advantage plan that offers the benefit.
You also still have to stay enrolled in Medicare Part B. The plan is helping reduce the premium — it is not replacing Part B.
The most important step is to read the entire Summary of Benefits and compare it with a more traditional Medicare Advantage plan in your area.
Look at hospital copays, specialist visits, outpatient surgery, diagnostic testing, skilled nursing, prescription costs and the plan’s maximum out-of-pocket limit. A larger Part B giveback may come with higher costs somewhere else.
For example, saving $100 a month gives you $1,200 a year back. But if the plan’s copays and coinsurance could cost you several thousand dollars more during a year when you need care, the giveback may not actually save you money.
So don’t compare Part B givebacks by themselves. Compare the whole plan and what you could realistically pay over the entire year.
Answered by Jeremy Harkins on September 17, 2026
Broker Licensed in TN, AR, CA & 5 other states
Tags: Advice for Seniors Coverage Medicare Advantage Medicare Part B
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