The federal government pays the insurance company a set amount of money to provide your benefits. Some insurance companies have the resources to provide all the benefits of Original Medicare, prescription drug coverage, and additional benefits in a Medicare Advantage plan (Part C), while still keeping costs down. This means you can get more benefits than Original Medicare for a $0 monthly premium. Just be aware you have to keep paying your Original Medicare Part B premium, if it’s not paid for by Medicaid or another third party. Medicaid and the Extra Help program, if you qualify for them, can also help cover costs of prescription drugs.