Medicare Supplement Plans in Nevada

For the more than 500,000 Nevada seniors enrolled in the federal Medicare program, Medicare Supplement plans in Nevada offer a way to lower their out-of-pocket costs associated with health care. These medical expenses include deductibles and coinsurance and can add up quickly.

Your Medicare coverage doesn’t pay all of your Part A and Part B medical expenses. Medigap plans help pay what’s left after Medicare pays.

Original Medicare has two parts:

  • Medicare Part A — hospital costs
  • Medicare Part B — outpatient/medical costs

Every Medicare Supplement insurance plan in Nevada covers these basic benefits:

  • Medicare Part A coinsurance
  • Part A hospice coinsurance
  • Part B coinsurance/copayments
  • First 3 pints of blood

Medicare Supplement Plan options in Nevada

Medicare Supplement Plan F

Across the United States and in Nevada, Medigap Plan F is the most popular Medicare Supplement plan but is only available to those eligible for Medicare after Jan. 1, 2020. You might be glad you have Medicare through the U.S. government, but you might be worried about out-of-pocket healthcare costs.

Medigap Plan F helps solve that problem by offering great coverage:

  • Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Excess charges for Medicare Part B
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

Medicare Supplement Plan G

Medicare Plan G is cheaper than Medicare Plan F, the most comprehensive plan available to those Medicare eligible after Jan. 1, 2020

This health insurance option offers very similar coverage to Plan F. If you’re willing to pay the Medicare Part B deductible yourself, you can save plenty with the more affordable monthly premiums of Plan G.

  • Does NOT cover Medicare Part B deductible

Medicare Supplement Plan N

Designed with budget-conscious Medicare beneficiaries in mind, Medigap Plan N in Nevada is one of the more affordable Medicare plans.

Nevada Medicare Supplement Plan N offers substantial benefits on top of the federal Medicare program’s Medicare benefits for Parts A and B. However, you will be responsible for some out-of-pocket costs.

It’s a great balance for many people who don’t want to pay a lot for their monthly premium but don’t want to rely on Medicare alone for their medical expenses.

  • Does NOT cover Part B Deductible
  • Does NOT cover Part B excess charges
  • Requires $20 copay for office visits
  • Requires $50 copay for emergency room visits

Depending on plan options, some Medigap policies offer additional coverage:

  • Foreign travel emergency
  • Part B excess charges
  • Skilled nursing facility care
  • Part A deductible

Top rated Medicare Supplement Insurance Companies in Nevada

In Nevada, over 30 private health insurance companies offer supplemental policies. The following rank high in terms of financial stability, experience, and service:

Medicare Supplement Insurance Cost in Nevada

Plan, location, gender, and insurer all affect the cost of your insurance policy. For example, a 65-year-old female, a nonsmoker in Mesquite (zip code 89027), will pay around $176.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

When Can I Apply for a Medicare Supplement Plan in Nevada?

The best time to enroll is during your Medigap Open Enrollment Period:

  • OEP effective date starts when you’re both 65 and enrolled in Medicare Part B
  • Covers a six-month period
  • Includes guaranteed rights

Guaranteed issue rights

You can apply any time for a policy, but the insurer might require underwriting and isn’t required to extend coverage. When you enroll during the OEP, you have guaranteed rights:

  • Insurer can’t reject your application
  • Medical underwriting is not required
  • The insurer must cover pre-existing health conditions, although there might be a waiting period before coverage starts

Special Situations

A few other situations trigger guaranteed issue rights:

  • Group coverage through an employer ends
  • You lose Medigap coverage through no fault of your own
  • You lose your Medicare Advantage Plan coverage
  • Moving out of your plan’s service area

Things to remember

  • You must be enrolled in Medicare Part A and B to have a Medicare Supplement insurance plan in Nevada.
  • Medigap policies don’t have an annual enrollment period like Medicare Part D plans or Medicare Advantage.
  • Nevada doesn’t require private insurance companies to offer Medicare Supplement insurance plans to those under age 65, even though they might be receiving Social Security benefits. However, once you turn 65, you can apply for Medigap insurance and have guaranteed rights.

Ready To Learn More?

My Medigap Plans specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers. Compare our list of the 10 Best Medigap Insurance Companies or take a deeper look at the plans by reviewing our Medigap Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Nevada Medicare Resources

Nevada’s population included 515,792 Medicare beneficiaries. Of those, 64 percent have Original Medicare, and 69 percent have standalone Part D coverage. In addition, more than 85,417 enrolled in one of Nevada’s Medicare Supplement insurance plans.

Nevada’s population is more than 3 million. Here are the five largest counties:

  • Clark
  • Washoe
  • Carson
  • Lyon
  • Elko
Related Topics:
Aetna Medigap Plan G
Cigna Medigap Plan G
Mutual of Omaha Plan G
Medicare Supplements 2023

Key Take Aways

  • Plan G has no copayments. Medicare Plan N has a $20 office copay and $50 ER copay (the ER copay is waived if you’re admitted).
  • You must be enrolled in Medicare Part A and B to have a Medicare Supplement insurance plan in Nevada.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.