Understand Medicare in Nevada
Medicare, the United States federal medical insurance program, provides coverage for over 560,000 people in Nevada who qualify for Medicare. You can get Medicare if you’re 65 or older or have a qualifying disability.
Your disability typically qualifies if you’ve received at least 24 Social Security or Railroad Retirement Board (RRB) disability insurance payments. You can also enroll in Medicare Advantage Plans if you have End-Stage Renal Disease (ESRD) or amyotrophic lateral sclerosis (ALS).
Most people have premium-free Part A but, if you have to buy it, the cost can reach up to $506per month in 2023. Part B costs $164.90 per month but can be more if you have higher income. There are 103 Medicare Advantage Plans in the state that are an alternative to Original Medicare. Learn more about your Medicare options in Nevada.
Medicare Plans in Nevada
|Compare ratings of Nevada’s Medicare plan providers:
|A.M. Best rating
|J.D. Power ranking
|6th out of 9
|Anthem Blue Cross Blue Shield
|4 to 4.5 stars
|5th out of 9
|8th out of 9
|2nd out of 9
|4th out of 9
Medicare Plan Options in Nevada
Residents of Nevada have multiple Medicare plans to choose from. Many are tiered to help Nevadans find the plan that is best suited to your lifestyle and medical needs. For example, seniors and individuals with disabilities who don’t need much coverage can apply for Original Medicare. Nevada’s Medicare Advantage program might be a better option if you need more comprehensive insurance. Some Medicare policies offer additional prescription drug add-ons or supplementary coverage.
|Original Medicare (Parts A and B)
|Original Medicare is the basic Medicare plan, which is a fee-for-service form of insurance. It has two parts: Part A hospital insurance and Part B medical insurance. Part A covers hospital stays and periods spent at skilled nursing facilities, lab tests an individual has performed, and hospice care. Part B covers doctor’s office visits and home health care services. It may also cover some preventive care, such as screenings for cancers and mental illnesses, including depression. With Original Medicare, you’ll pay a deductible along with your share of the fees incurred during an inpatient or outpatient visit:
|Medicare Advantage Plans (Part C)
|Medicare Advantage plans, also known as Part C, are an alternative to Original Medicare offered by private insurance companies. These plans include both Part A and Part B coverage, except for hospice care. Most services are provided by network providers, and you may need primary care physicians, referrals for specialists, and prior authorizations for treatment and medications. Medicare Advantage offers additional coverage for essential needs, such as prescription drugs, dental and vision care. Some Medicare Advantage Plans also cover gym memberships and transportation to and from medical appointments. Part C may also pay for adult day care services:
|Medicare Prescription Drug Coverage Plans (Part D)
|Many Medicare Advantage policies add Part D drug coverage automatically to their package, but you can also add Medicare prescription drug coverage to Original Medicare. Medicare prescription drug coverage is offered to all Medicare enrollees, but you may have to pay a penalty if you wait to enroll after being initially eligible. Medicare Part D plans may not all cover the same drugs or have the same costs as Medicare Advantage policies. Standalone Part D coverage is provided by Medicare-approved private insurers. Most plans require a deductible and a copay for each prescription drug:
|Medicare Supplement Insurance Plans (Medigap)
|Some Nevada seniors purchase a Medicare Supplement Insurance policy, also known as Medigap. These plans are intended to fill in the gaps Original Medicare doesn’t cover. Some of these gaps include medical coverage while overseas, Part A and Part B copays, and excess Part B charges. Medigap doesn’t pay for anything related to Medicare Advantage. You cannot have a Medigap plan and a Medicare Advantage Plan at the same time.
Medicare in Nevada by the Numbers
|People enrolled in Original Medicare
|Average plan cost
|Annual state spending per beneficiary
|Spending per beneficiary compared to the national average
|Part A: $0 to $506 per month*
Part B: $164.90 per month**
*Most people pay no premium, but this can vary depending on how long they paid Medicare taxes.
**This is the average number, but it can vary based on income.
Medicare Resources in Nevada
Getting support can help when you’re making Medicare decisions. Nevada has numerous locations where enrollees can receive help through the State Health Insurance Program (SHIP). It has counselors throughout the state that work with local nonprofits and public health agencies, as well as Area Agencies on Aging (AAAs), to provide seniors with Medicare information.
Nevada Aging and Disability Resource Center (ADRC)
The Nevada Aging and Disability Resource Center (ADRC), also called Nevada Care Connection, provides services to Nevada seniors, caregivers and their families. As part of the Nevada Medicare Assistance Program (MAP), you can get unbiased, one-on-one Medicare counseling and information from one of the Center’s volunteers either in-person or over the phone.
Contact information: Website | (702) 486-3831
Senior Medicare Patrol
Nevada’s Senior Medicare Patrol (SMP) is operated by the Department of Health and Human Services. It helps Medicare beneficiaries resolve issues with Medicare, Medicaid or other health-related concerns and can help you detect, report and prevent health care errors, abuse or fraud. In-person counseling and toll-free phone counseling are available 40 hours per week.
Contact information: Website | 775-687-4210 or 888-838-7305
Carson and Rural Elder (CARE) Law Program
The CARE Law Program offers legal services at little or no cost to Nevada seniors age 60 or over living in Nevada’s 15 rural counties. It specializes in Medicare and Social Security issues as well as other senior concerns, such as advance directives, powers of attorney, estate planning and elder abuse issues. Attorneys can also help you with Medicaid and nursing home planning.
Contact information: Website | 775-687-4680
Nevada Aging and Disability Services
The Nevada Aging and Disability Services Division represents Nevada senior citizens, childrens and adults with disabilities. It’s mission is to provide the supports and services necessary to meet the needs of Nevada’s residents. Available programs for seniors include, Medicare Assistance Program (MAP), SHIP, Senior Tax Assistance Program (STAR) and SMP.
Contact information: Website | (888) 729-0571