Best Medicare Supplement Plans Las Vegas

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated February 29th, 2024

On the hunt for Medicare supplement plans in Las Vegas? Cut through the confusion with a focused look at Plans F, G, and N, crucial enrollment information, and cost considerations. This guide simplifies your choices, ensuring you find the supplemental insurance to best cover your healthcare expenses beyond Original Medicare.


Key Takeaways


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Understanding Las Vegas Medicare Supplement Insurance


Understanding Las Vegas Medicare Supplement Insurance


Medicare Supplement plans, or Medigap, offer peace of mind to Las Vegas residents by covering essential out-of-pocket costs not covered by Original Medicare. These standardized Medicare Supplement insurance plans ensure consistency in the benefits offered across different insurers, allowing beneficiaries to access any healthcare provider that accepts Medicare. The stability of these plans guarantees benefits for enrollees, as long as premiums continue to be paid.

However, bear in mind that the cost of these plans hinges on the level of coverage. Generally, plans with more comprehensive benefits often come with higher premiums.


The Function of Medicare Supplements in Health Coverage

Medigap policies in Las Vegas serve to fill the ‘gaps’ in Original Medicare Plan coverage. These plans assist with a variety of costs not covered by Original Medicare, such as deductibles, copays, coinsurance, and excess charges. They can also help cover expenses such as hospital stays, skilled nursing facility stays, blood, and the Medicare Part B yearly deductible.

For outpatient expenses, once the Medicare Part B deductible is met, Medigap plans cover the 20% not paid for by Medicare. Additionally, Medicare Supplement Plans K and L provide further financial protection by specifically covering skilled nursing facility care co-insurance.


Navigating the Different Medigap Plans Available

Choosing a Medigap plan can seem daunting, but rest assured that Nevada’s standardized Medigap plans, ranging from A through N, make it easier for beneficiaries to compare and choose the right plan for their needs. Since the introduction of Plan N in June 2010, it has gained considerable popularity due to its lower premiums and significant coverage.

Keep in mind that regardless of the standardized plan you opt for, the core benefits remain consistent across all plans, which guarantees steady coverage.


Top Picks for Medicare Supplement Plans in Las Vegas


Top Picks for Medicare Supplement Plans in Las Vegas


In Las Vegas, many Nevada Medicare beneficiaries find that Plans F, G, and N cater to their needs effectively. Plan G is a leading choice, with its average monthly cost in Nevada being around $161.60, though this can vary by up to $65.30 between providers. Aetna’s Medigap Plan G, priced at around $140.91 per month, includes benefits such as emergency medical expenses coverage outside the country up to 80% of the plan limit.

For those eligible for Medicare before January 1, 2020, Cigna’s Plan F offers:

  • A health rewards program
  • A health information helpline
  • A foreign travel emergency benefit
  • Priced at an average of $210.12 per month

If you’re not qualified for Plan F, Plan G serves as the premier option.


Spotlight on Medicare Supplement Plan G

Medicare Supplement Plan G is a popular choice in Las Vegas for comprehensive healthcare coverage, with the exception of the Part B deductible. It offers extensive coverage for hospital and medical services, including hospital deductibles, co-pays, and co-insurance. Once the Medicare Part B deductible is met, Plan G provides 100% coverage for outpatient medical services such as doctor visits, lab work, and surgery.

Plan G proves beneficial for those in need of extended care as it covers skilled nursing facility costs following the usage of Medicare-covered days. What’s more, Plan G maintains lower rate increase trends compared to other plans, like Plan F, enhancing its appeal due to more predictable healthcare expenses.


Insights into Medicare Supplement Plan F

Medicare Supplement Plan F is another noteworthy plan, although it’s no longer available to new enrollees as of January 1, 2020. However, those who were eligible for Medicare before this date can still purchase or keep their existing Plan F coverage. Plan F offers comprehensive coverage, including:

Beneficiaries with Plan F have the liberty to consult any of the over 870,900 active doctors in the US without the need for referrals, providing access to a wide network of medical services.


Evaluating Medicare Supplement Plan N

Medicare Supplement Plan N offers comprehensive coverage with lower premiums, making it ideal for individuals who do not frequently visit the doctor. Plan N covers the 20% not covered by Medicare Part B, hospital deductible, hospital co-pays, and coinsurance. However, enrollees do not have coverage for the Medicare Part B deductible and excess charges, and incur copayments for doctor visits up to $20 and a $50 copay for emergency room visits.

Despite these additional costs, Plan N’s lower premiums can result in an average savings of $64.90 compared to other plans, marking it as a cost-efficient option. The cheapest average rates for Medicare Supplement Plan N in Nevada are offered by Cigna at $105.40, which is $73.61 less than the Nevada average cost of $179.


Eligibility Criteria for Las Vegas Medicare Supplements

In Las Vegas, individuals can qualify for premium-free Medicare Part A at age 65 if they, or their spouse, have worked and paid Medicare taxes for at least 10 years. U.S. citizens or permanent legal residents who have lived in the United States for at least five consecutive years are eligible for Medicare Part A without premiums at the age of 65 if they or their spouse had Medicare-covered government employment. Residents must be enrolled in both Medicare Part A and B to be eligible for Medicare Supplement insurance, but they cannot simultaneously have Medigap and Medicare Advantage Plans.

There are additional eligibility criteria for individuals under 65 and those receiving SSDI benefits. Insurance carriers in Nevada are not required to offer Medicare Supplement plans to individuals under 65.


Enrollment Timing and Its Impact on Premiums

The timing of enrollment significantly affects the premiums of Medicare Supplement plans. The Medicare Supplement open enrollment period in Las Vegas is a critical 6-month window that starts upon an individual turning 65 or enrolling in Medicare Part B. During this period, they can enroll without being subjected to medical underwriting. However, if the Medigap Open Enrollment Period is missed, insurance companies in Nevada may use medical underwriting to determine eligibility and premiums, potentially leading to higher costs or even denial of coverage for individuals, especially with health issues.

Even after the Medigap Open Enrollment Period has passed, Nevada offers a ‘birthday rule’ which provides an annual 60-day window for beneficiaries to switch to a Medigap plan with equal or lesser benefits without medical underwriting.


Cost Considerations for Medigap Policies in Las Vegas


Cost Considerations for Medigap Policies in Las Vegas


Cost is a significant factor when considering Medigap policies. In Las Vegas, these costs are influenced by the plan holder’s age, location within the state, tobacco use, and the specific plan type. The prevalent method for rating premiums is attained age rating, which causes premiums to increase with age. Insurers use various methods for rating premiums for Medigap policies, including community rating, issue-age rating, and attained-age rating, each with distinctions in how premiums are determined and their potential increase over time.

It’s important to compare costs between carriers for the same plan type as prices can vary significantly between insurance companies. Beneficiaries can look for discounts on Medigap premiums, such as household discounts, and should consider the history of premium increases to choose a policy with the least rate hikes.


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How to Choose the Right Medicare Supplement Plan

How to Choose the Right Medicare Supplement Plan


Choosing the right Medicare Supplement plan depends on your individual health conditions and anticipated future healthcare needs. Start by estimating upcoming medical costs, including deductibles and copays, to determine the financial benefits of a Medicare Supplement plan after accounting for its premium. Begin the selection process by exploring all available Medigap options from Plan A to N through, to compare coverage and costs effectively.

Even though the process may appear overwhelming, finding the right plan can provide peace of mind and secure financial protection.


Additional Health Plans: Beyond Medigap

Beyond Medigap, Las Vegas residents have access to a variety of specialized health plans. Medicare Advantage Plans are private managed care plans that combine Standard Medicare with additional benefits, often including dental, vision, hearing coverage, and wellness incentives. For a Medicare Advantage plan, eligibility in Las Vegas requires enrollment in both Medicare Parts A and B and residence in the plan’s service area. Options available within Medicare Advantage include HMO, where care must be within the network, typically with no monthly premium, and PPO, which offers more flexibility at a higher cost. These plans may be an alternative for those who miss the Medicare Supplement Open Enrollment window, as they have minimal health questions during application.

Prescription drugs are not covered by Nevada Medicare Supplement plans in Las Vegas, hence beneficiaries may purchase stand-alone Part D plans for prescription drug coverage. Nevada’s Medicare Part D plans feature a formulary and may involve various management techniques such as prior authorization and step therapy to ensure safety and cost-effectiveness. There are Part D plans available that address different needs, with some offering lower monthly premiums for those who take fewer medications and others providing extensive coverage without an annual prescription deductible. Part D plans in Nevada offer additional conveniences like mail order service and a vast network of preferred retail pharmacies, and special assistance programs like the Extra Help program are available to reduce costs related to prescriptions.

Special Needs Plans (SNPs) cater to beneficiaries with specific disabilities or chronic conditions by offering tailored coverage that includes prescription drug benefits. Outstanding customer service, lower customer service, and costs below average are notable aspects to consider when choosing a Part D plan in Las Vegas. Some plans to consider are:

  • Humana
  • Clear Spring
  • Aetna
  • WellCare

Senior Care Plus in Las Vegas provides Medicare Advantage with better customer service, offering an additional choice for those looking into managed care options.


Financial Assistance and Resources for Medicare Beneficiaries

Financial assistance for Medicare beneficiaries in Las Vegas comes in various forms, including:

  • Qualified Medicare Beneficiaries (QMBs)
  • Special Low Income Medicare Beneficiaries (SLMBs)
  • Qualifying Individuals 1 (QI-1s)
  • Qualified Disabled Working Individuals (QDWIs)

These programs offer invaluable assistance by providing medicare benefits, such as paying for Medicare premiums, co-insurance, and deductibles on Medicare-covered services. However, comprehending and navigating these assistance programs is crucial as they come with specific income and eligibility requirements.

For guidance on Medicare options, the Nevada Division of Insurance publishes a Medicare Supplement Insurance Premium Comparison Guide annually. Seniors and their caregivers can approach the state’s Area Agencies on Aging (AAAs), local public health agencies, and nonprofit groups for guidance. These resources provide assistance in understanding the different Medicare plans, their costs, and benefits.


The Medicare Enrollment Process in Las Vegas

Though the enrollment process for Medicare Supplement plans might appear intricate, licensed insurance agents in Las Vegas are available to provide necessary support and guidance. The American Association for Medicare Supplement Insurance maintains an online directory for locating local Medicare insurance agents in Las Vegas, providing a free and private service. By entering their Zip code on the Association’s website, individuals can access a directory of local agents without compromising their personal information.

A range of private insurance companies offer Medicare Supplement insurance in Las Vegas, including:

  • AARP UnitedHealthcare
  • Aetna Health Insurance Company
  • Anthem
  • Cigna Health and Life Insurance

Engaging a knowledgeable local Medicare insurance specialist can aid beneficiaries in obtaining the best rates for Medigap insurance. Beneficiaries also have the advantage of free assistance from licensed insurance agents who can guide them in choosing a suitable Medicare Supplement plan.



In summary, Medicare Supplement plans offer Las Vegas residents a valuable safety net against unexpected healthcare costs. The choice of plan should be based on individual health needs, anticipated future healthcare expenses, and financial circumstances. With a range of options available, such as Plans F, G, and N, and additional plans like Medicare Advantage and Part D prescription drug plans, there are diverse healthcare solutions to meet every need. Remember to seek guidance during the enrollment process and make full use of available resources and financial assistance programs to ensure you make an informed decision for a secure future.

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Frequently Asked Questions

What is the most popular Medicare Supplement plan for 2025?

The most popular Medicare Supplement plan for 2025 is Medigap Plan G. It offers standardized coverage that carriers must provide.


How much is Medicare Plan G in Nevada?

In Nevada, the cost of Medicare Plan G can range from $107 to $374 per month. Consider comparing different options to find the best fit for your needs.


How to apply for Medicare in Nevada?

You can apply for Medicare in Nevada by calling Nevada Medicare at 702-840-1111 or by enrolling online, visiting a local Social Security office, or enrolling over the phone at 1-800-772-1213.


What is the importance of the Medigap Open Enrollment Period in Las Vegas?

The Medigap Open Enrollment Period is important in Las Vegas because it allows individuals to enroll in a Medigap plan without medical underwriting, preventing higher costs or denial of coverage (date not needed).


What is the Medicare Advantage Plan?

Medicare Advantage Plans are private managed care plans that combine Standard Medicare with additional benefits such as dental, vision, hearing coverage, and wellness incentives.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the best Medicare Supplement Plans in Las Vegas, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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