Medicare Supplement Plans in Nevada for 2024
Retiring in Nevada gives seniors plenty to do. There’s the excitement and bright lights of the Strip and plenty of great golfing around the state.
Enjoying your golden years requires prudent planning, especially if you live on a fixed income.
Healthcare is one of your biggest annual expenses, and Medicare Parts A & B allow you to manage these costs.
However, Original Medicare doesn’t cover all the costs of hospital and medical care.
The last thing you need is a hospital bill you can’t afford to pay, forcing you to dip into your retirement savings.
Medigap plans help to cover these shortfalls in your out-of-pocket expenses. You get all the coverage you need for medical emergencies at an affordable monthly premium.
Medigap plans are available in ten options, A, B, C, D, F, G, K, L, M, & N. Each offers different levels of coverage, with Plans F, G, & N being the most popular.
The average cost of a Medigap policy across all providers and all plans is $142 in Nevada for a 65-year-old nonsmoking woman. However, plans differ from provider to provider.
This post unpacks the best deals on the most popular policies, Plans G & N, for seniors in The Silver State.
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Hunting for the best Medigap policy is challenging. Our team of fully licensed agents can help you find the provider with the best rates in the state.
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You can use the calculator on our site to get a free automated quote on the Medigap plan of your choosing.
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The Best Healthcare Insurers for Medicare Supplement Plans in Nevada
You can buy one of the ten Medigap plans available from leading healthcare insurers in Nevada.
Each provider has different rates and perks for your plan. Here are the top choices for providers in your state.
- Aetna
- Liberty Bankers
- AFSLIC
- Anthem
- Bankers Fidelity
- Central States Health and Life Co. of Omaha
- Cigna
- Colonial Penn
Cigna and Aetna represent the two cost leaders for Medigap policies in the Nevada market. Aetna has the best Plan G premium, and Cigna is the best choice for Plans F & N.
- Best Plan G – Aetna Medicare
- Best Plan F – Cigna Medicare
- Best Plan N – Cigna Medicare
The Best Provider for Medicare Supplement Plan G in Nevada – Aetna
33 healthcare insurers offer Plan G in Nevada. The average cost of Plan G across all providers is $162.10 per month.
Aetna is the lowest-cost insurer for Plan G premiums at $97 per month. However, it comes with few extra perks compared to other providers like UnitedHealthcare.
The most expensive option, UnitedHealthcare, charges $162.10 monthly for Plan G and has better perks for members.
However, you can save $65.30 per month with Aetna. Aetna also has a high deductible version of Plan G, with premiums of $52.76 per month.
Here are the costs of Plan G in Nevada from leading providers. (Based on prices for a 65-year-old female nonsmoker).
- Aetna: $97
- Humana: $134
- Cigna: $148
- Anthem: $158
- UnitedHealthcare: $162
What Does Plan G Cover?
Plan G doesn’t cover you for the Part B deductible of $226 in 2023. However, you get comprehensive coverage for all other Part A & B out-of-pocket expenses.
Plan F is the only Medigap policy covering the Part B deductible, but it’s unavailable for seniors eligible for Medicare after January 1, 2020.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
The Best Provider for Medicare Supplement Plan N in Nevada – Cigna
32 insurers offer Plan N in Nevada.
The average premium across all providers is $179, with Cigna being the lowest-cost option, offering Plan N for a monthly premium of $105.40. That’s $73.61 less than the average premium for Plan N.
Cigna also offers members great perks, with a healthy rewards program for discounts on health and wellness services such as physical therapy, acupuncture, and vision and dental services.
Here are the costs of Plan N in Nevada from leading providers. (Based on prices for a 65-year-old female nonsmoker).
- Cigna: $105
- Aetna: $106
- UnitedHealthcare: $140
- Anthem: $166
- Humana: $170
What Does Plan N Cover?
Medigap Plan N offers you low monthly premiums in exchange for making copayments of $20 at the doctor’s and $50 at the emergency room when you’re not admitted into inpatient care.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
You don’t get coverage for the Part B deductible and for Part B excess charges.
Excess charges are the extra the doctor charges above the Medicare-approved amount (Medicare Assignment).
You can mitigate these costs by seeing doctors that charge Medicare Assignment rates.
What Do Plans G & N Not Cover?
Medigap Plans G & N don’t cover the costs of preventative medical expenses.
That means you don’t have physiotherapy, acupuncture, or foot care coverage.
They also don’t cover the cost of prescription medications, long-term care at non-skilled nursing facilities, or private duty nursing.
Some providers offer additional perks for vision, dental, and hearing services, while others charge an additional premium for them.
Speak to our team, and we’ll find you the right provider tailoring your Medigap plan to your needs.
What are the Best Alternate Medicare Supplement Plans in Nevada?
Plans G & N are Nevada’s most popular choices for Medigap policies. However, you can buy Plans A, B, C, K, and L if they align with your budget.
We looked at the average premiums across all policies and providers, with Cigna being the best choice for plans C and N, UnitedHealthcare for Plans A, K, and L, Aetna for Plans B and G, and Humana for Plan C.
Here are the average rates they charge for a 65-year-old female nonsmoker in each plan category.
- Plan A – UnitedHealthcare: $124.59
- Plan B – Aetna: $158.03
- Plan C – Humana: $330.37
- Plan F – Cigna: $210.12
- Plan K – UnitedHealthcare: $63.89
- Plan L – UnitedHealthcare: $110.25
Frequently Asked Questions
What are Medicare Supplement Plans in Nevada?
Medicare Supplement Plans, also known as Medigap, are private health insurance plans designed to help cover the gaps in Medicare Part A and Part B coverage.
How do I qualify for a Medicare Supplement Plan in Nevada?
To qualify for a Medicare Supplement Plan in Nevada, you must be enrolled in Medicare Part A and Part B and be at least 65 years old or have a qualifying disability.
What Medicare Supplement Plans are available in Nevada?
Nevada offers ten standardized Medicare Supplement Plans for 2024, labeled A, B, C, D, F, G, K, L, M, and N. Each plan provides a different level of coverage.
Can I switch Medicare Supplement Plans in Nevada?
Yes, you can switch Medicare Supplement Plans in Nevada. However, there may be certain restrictions depending on your health condition and the specific insurance company’s policies.
Are Medicare Supplement Plans in Nevada guaranteed renewable?
Yes, Medicare Supplement Plans in Nevada are guaranteed renewable as long as you pay your premiums on time. Insurance companies cannot cancel your coverage due to health issues.
How much do Medicare Supplement Plans cost in Nevada?
The cost of Medicare Supplement Plans in Nevada varies depending on the plan you choose and the insurance company. Factors such as age, location, and health status can also influence the cost.
Do Medicare Supplement Plans in Nevada cover prescription drugs?
No, Medicare Supplement Plans in Nevada do not include coverage for prescription drugs. You will need to enroll in a separate Medicare Part D prescription drug plan for that coverage.
Can I use my Medicare Supplement Plan outside of Nevada?
Yes, Medicare Supplement Plans in Nevada provide coverage nationwide. You can use your plan anywhere in the United States that accepts Medicare.
Are pre-existing conditions covered by Medicare Supplement Plans in Nevada?
Yes, Medicare Supplement Plans in Nevada cover pre-existing conditions once the waiting period has passed. This waiting period may vary depending on the insurance company.
When is the best time to enroll in a Medicare Supplement Plan in Nevada?
The best time to enroll in a Medicare Supplement Plan in Nevada is during your Medigap Open Enrollment Period, which starts on the first day of the month in which you turn 65 and are enrolled in Medicare Part B.
Start Comparing Medicare Supplement Plans in Nevada Now!
If you want to find the best Medicare Supplement Insurance plans in Nevada, fill out the form to the right to start comparing quotes now!
If you prefer, call 1-888-891-0229 to speak with one of our licensed agents.
Updated December 4th, 2022