There are 10 Medicare Supplement plans in Nevada to choose from, each offer a way to lower out-of-pocket costs associated with Original Medicare. These medical expenses include your Medicare Part A deductible and coinsurance that can add up quickly.
- In Nevada, Medicare Supplement Plan G offers the best coverage for 2023.
- Medigap Plan N and High Deductible Plan G are considered by many to offer the best value with lower premiums than Plan G.
- Mutual of Omaha offers the best rates on Plan G, coming in at $128.74 per month.
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
Best Comprehensive Coverage: 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.
Plan G Does NOT cover Medicare Part B deductible
Best Value: 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 premiums but don’t want to rely on Medicare alone for their medical expenses.
- It does NOT cover Part B Deductible
- It does NOT cover Part B excess charges
- Requires a $20 copay for office visits
- Requires a $50 copay for emergency room visits
Best Low Cost Plan: High Deductible Plan G
- Same Benefits as Medicare Plan G
- Annual Deductible of $2,700
- Significantly Cheaper than Medicare Plan G
- High Deductible Plan G is Considerably Cheaper than High Deductible Plan F
Best Full Coverage: 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
What’s The Best Medicare Supplement Insurance Company in Nevada?
In terms of cost, customer service and lower rate increases, Aetna, Cigna and Mutual of Omaha are among the best companies.
In Nevada, over 30 private health insurance companies offer supplemental policies. The following rank high in terms of financial stability, experience, and service:
- Best for cost-effectiveness: Aetna
- Best overall value: Cigna
- Best for claim payment: Mutual of Omaha
How Much Does Medicare Supplement Insurance Cost in Nevada?
For a 65-year-old female, a nonsmoker in Mesquite (zip code 89027), will pay around $128.74 for Plan G with Mutual of Omaha.
Plan, location, gender, and insurer all affect the cost of your insurance policy.
|Plan type||Premium Range|
|Plan F||$180.00 – $300.00|
|Plan G||$117.00 – $220.00|
|Plan N||$90.00 – $200.00|
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
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.
Nevada Medicare Resources
- Nevada Division of Insurance
- Nevada Aging & Disability Services Division
- Governor’s Office of Consumer Health Assistance
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.