Tony Capraro III from Manchester, NH, a State Farm agent listed on Medicare Agents Hub, explains why zero-premium Medicare Advantage plans are not actually free. In his own words, he shares that while ads highlight zero premiums, every plan in his area still has copays, out-of-pocket costs, and a maximum out-of-pocket that can range from around $5000 to $9500. He talks about how quickly costs can add up and why it’s important to work with someone who can explain both Medicare Advantage and Medicare Supplement options clearly so you can make decisions based on correct information and your own goals. 👉 Get in touch with Tony: https://medicareagentshub.com/agents/... 💡 Read more answers from other agents: https://medicareagentshub.com/questio... ❓ Ask a question of your own: https://medicareagentshub.com/ask #MedicareAdvantage #MedicareEnrollment #Turning65 #MedicareHelp #SeniorBenefits