Co-Founder of Red Feather Financial, Dr. Sabrina Scott Explains $0 Premium And $0 Deductible Medicare Advantage Plans

Dr. Sabrina Scott acknowledges that her firm doesn’t offer insurance products, but her confusion in the face of marketing campaigns for $0 Premium Medicare Advantage plans motivated her in-depth research in hopes of clearing up confusion for her readers too.

DECATUR, GA, November 26, 2019: Dr. Sabrina Scott, co-founder of Red Feather Financial, has posted a new article on the firm’s website entitled “Confused By $0 Premium Medicare Advantage Plans” in which Dr. Scott admits to being confused by advertisements for seemingly ‘free’ Medicare plans.

Dr. Scott states, “I don’t know about you, but lately I’m feeling bombarded every time I turn on the TV and the computer by so called ‘free Medicare Advantage plans.’ They advertise no premium and no deductibles regardless of your income.” She goes on to say, “That sounds too good to be true, and you know what they say about that. If it sounds too good to be true it probably is.” Dr. Scott acknowledges that, “Red Feather Financial does not specialize in health insurance products, so I truly was confused by what these plans appeared to offer. So, in order to clear up the confusion, I looked a little deeper into what $0 and no premium Medicare Advantage Plans actually are.”

“For starters,” says Dr. Scott, “all of the plans are offered by independent insurance companies that have been ‘approved’ by Medicare. So don’t be confused into thinking they are being offered directly by Medicare.” As she points out, “Medicare Advantage, is also known as Medicare Part C, which is one way through which Medicare beneficiaries can get their Medicare Part A and Part B benefits.”

“Now,” says Dr. Scott, “let’s define the word ‘free.’ According to the Merriam Webster dictionary the word ‘free’ means “not costing or charging anything.”” “Just to be fair,” she continues, “these plans are not saying they’re “free.” But it’s easy to think that they are when you see $0 premium.”

As Dr. Scott makes clear, “If you are looking into a $0 premium Medicare advantage plan keep in mind that the private insurance companies offering them are in business to make a profit. They have to make a profit from something. So you have to be a detective as you try to discover where the copayments and or coinsurance payments might be lurking.”

The entire article can be read at

About Dr. Sabrina Scott

Sabrina Scott learned about Veterans Benefits and Medicaid when her parents sought legal services for long-term care. Confident she could find ways to preserve her family’s resources and still get access to Government Assistance, Sabrina felt there should be more options than relying on welfare. As a result, Dr. Scott became an investment advisor representative who can make recommendations regarding securities and became licensed in insurance as well. She co-founded Red Feather Financial with Victoria Collier to help those who want to have a plan in place in order not to outlive their resources and who do not want to be a burden to their children.

About Victoria Collier

Victoria L. Collier, CELA founded The Estate & Asset Protection Law Firm to serve the legal needs of retiring individuals. Victoria is also Co-Founder of Red Feather Financial. At both firms WE BELIEVE that people should not have to lose everything they’ve worked a lifetime to earn and that every person is an individual who deserves respect and the highest quality of life possible, regardless of age or ability. We also believe that privacy and protection are the keys to personal peace. Victoria was appointed by Governor Perdue to the Georgia Council on Aging, 2010 – 2016 and was awarded Dekalb County Veteran of the Year, 2013. She is the author of 47 Secret Veterans Benefits for Seniors; Paying for Long Term Care – Financial Help for Wartime Veterans: The VA Aid & Attendance Benefit.

About Red Feather Financial

Red Feather Financial is an independent financial advisory firm born with a singular mission: to financially empower our clients and protect their financial future. Most people come to see us because they are worried about having enough money for retirement and long-term care costs. We help by showing our clients how they can leverage their assets in the most tax-efficient and cost-effective ways.

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Investment Advice offered through William Joseph Capital Management, LLC, a Registered Investment Advisory Firm (RIA) registered with the U.S. Securities and Exchange Commission (SEC). Lower fees for comparable services may be available from other sources. Sabrina Scott is an Investment Advisor representative of William Joseph Capital Management, LLC. Red Feather Financial and its representatives provide insurance services separate from William Joseph Capital Management LLC. Red Feather Financial is not affiliated with William Joseph Capital Management LLC.