Compare Medicare Plans in Nevada (January 2025)

Key Takeaways:

• Nevada offers a variety of Medicare plans, including Original Medicare, Medicare Advantage, and Medigap – each catering to different healthcare needs and preferences.
• It’s crucial to compare plans based on average costs, coverage details, and provider networks to identify the most suitable and cost-effective options for your healthcare needs.
• Choose the right Medicare plan based on your health needs and budget. Use available resources and expert guidance to navigate the enrollment process effectively.

Navigating Medicare plans in Nevada requires careful consideration of the wide variety of coverage options and insurers. Comparing plans thoroughly is critical to finding coverage that best aligns with your healthcare needs and budget.

Types of Medicare Plans Available in Nevada

Let’s understand the different Medicare plan types available for Nevada residents.

Original Medicare (Part A and Part B)

Original Medicare is the foundation of healthcare coverage for eligible US residents over the age of 65 and those with certain covered disabilities and diseases.

The are two components of Original Medicare:

Medicare Part A (Hospital Insurance):

• Inpatient Coverage: Includes hospital stays, skilled nursing care, hospice care, and some home health services.

• Premium-Free Eligibility: Available at no cost if you’ve paid Medicare taxes for at least 10 years. If not, monthly premiums could be $285 or $518 in 2025, depending on work history.

• Deductible: $1,676 in 2025 per benefit period, with no limit on the number of periods.

• Copayments: Vary depending on the length of hospital stays.

Medicare Part B (Medical Insurance): 

• Outpatient Coverage: Includes doctor visits, outpatient care, preventive services, and medical equipment.
• Monthly Premium: $185 in 2025, but could be higher based on income.
• Deductible: $257 annually in 2025.
• Coinsurance: Typically, you pay 20% of the costs for services after meeting the deductible.

Data sourced from Medicare Basics.

Medicare Advantage (Part C)

Medicare Advantage or Part C plans are widely popular across Nevada. These plans combine all the benefits of Original Medicare with additional benefits like prescription drug coverage, and dental, vision, and hearing services.

Learn more: Are There Free Medicare Advantage Plans?

In Nevada, for the year 2025:

• The number of Medicare Advantage plans has increased to 107, up from 97 in 2024.
• The average monthly premium for these plans has gone down from $4.61 in 2024 to $2.44 in 2025.
• 97.2% of Medicare beneficiaries in Nevada have access to a Medicare Advantage plan.
• The lowest monthly premium available for a Medicare Advantage plan remains at $0.
• 97.2% of Medicare beneficiaries in Nevada have access to at least one Part C plan with zero premium.

Top Medicare Advantage Plans in Nevada:

Data gathered via CMS.gov and direct provider plans. Comparison of plans from Nevada Zip Code 89031. Star ratings and plan information reflect publicly available data as of 2025.

Private insurers offering Medicare Advantage plans in Nevada include:

• Aetna
• Alignment Health Plan
• Anthem Blue Cross and Blue Shield
• ATRIO Health Plans
• Cigna
• Humana
• Prominence Health Plan
• SCAN Health Plan
• Select Health
• Senior Care Plus
• UnitedHealthcare
• Wellcare by Allwell

Get Personalized Medicare Guidance in Nevada

Choosing the right Medicare plan should be straightforward, not stressful.

At CoverRight, we deeply understand the Medicare landscape in Nevada. Our licensed advisors take the time to understand your healthcare needs and budget while finding a plan that provides optimal coverage.

Get started today to save on your healthcare costs.

Medicare Prescription Drug Plans (Part D)

If you have Original Medicare, you can enhance your coverage by adding a stand-alone Medicare Part D plan to cover prescription drug costs.

Those who have not opted for Original Medicare can include this coverage as part of a Medicare Advantage plan.

All Part D plans come with a formulary that lists covered drugs in different cost-sharing tiers. While comparing plans, make sure your prescription drugs are included at a cost you are comfortable with.

Here are some facts about Medicare Part D plans in Nevada in 2025:

• Medicare beneficiaries in Nevada have access to 16 stand-alone Medicare Part D plans.
• All beneficiaries of a Part D plan in 2025 have access to one with lower premiums than in 2024.
• 24.35% of Nevada’s Part D plan beneficiaries receive additional financial support under Extra Help, a federal program aimed at individuals with limited income.
• $0 is the lowest monthly premium for a stand-alone Part D plan.

Learn more: How to Compare Medicare Part D Plans

Note: Data from MedicareWire

Medicare Supplement (Medigap) Plans

Medicare Supplement or Medigap plans cover several out-of-pocket costs not covered under Original Medicare, including copayments, coinsurance, and deductibles.

Plan G and Plan N are particularly popular among the ten Medigap plans available.

• Plan G has comparatively higher premiums for almost all out-of-pocket costs associated with Original Medicare except the Part B annual deductible. It’s ideal for those who want comprehensive coverage at predictable prices.
• Plan N offers lower premiums than Plan G in exchange for some cost-sharing for doctor visits and emergency room care. It does not cover Part B excess charges but is suitable for those who want to balance premiums with out-of-pocket costs.

Cost Overview in Nevada:

• Plan G: Typically ranges from $150 to $200 per month.
• Plan N: Generally costs between $120 to $170 per month.

Top Medigap providers in Nevada for Plan G and Plan N include:

• AARP
• Globe Life
• Thrivent
• Reserve National

Average Costs of Medicare Plans in Nevada

Here’s a detailed breakdown of each Medicare plan type in Nevada, along with its applicable costs:

Note: All data reflect 2025 averages sourced from Medicare.gov, CMS.gov, and MedicareWire and may vary by provider.

Top Medicare Advantage and Medigap Providers in Nevada

Nevada residents have access to various high-quality Medicare Advantage and Medigap insurance providers. Let’s explore some of the leading providers in each category.

Best Medicare Advantage Providers

Medicare Advantage plans in Nevada merge the benefits of Original Medicare with additional coverage options, making them a favored choice for many beneficiaries.

Assess insurance providers based on their scope of coverage and reputation to ensure you receive the best benefits at a reasonable cost.

Best Medigap Providers

Nevada has numerous top-rated Medigap insurance providers. It’s important to compare them based on the quality of their network, customer satisfaction levels, and cost-effectiveness.

Learn more: ​​Medicare Plan G

Here’s a comparison of how the top providers stack up for Plan G and Plan N coverage in Nevada:

Plan G Providers

Plan N Providers

Note: Plan G and Plan N data from MedicareWire

How to Choose the Right Medicare Plan in Nevada

Choosing the right Medicare plan in Nevada involves careful consideration of multiple factors to ensure it aligns with your healthcare needs and budget.

Understand Your Healthcare Requirements:

• Assess your overall health status and chronic health issues, if any.
• Anticipate your healthcare needs for the next year, including potential visits to healthcare professionals, hospitalizations, and ongoing treatments.

Assess Prescription Drug Needs:

• Compile a list of all the medications you currently require.
• Compare Medicare Part D plans using the Medicare Plan Finder to determine which plans offer the best coverage for your medications at the lowest cost.

Financial Considerations:

• Review the costs associated with each plan. Focus on monthly premiums, deductibles, copayments, and coinsurance.
• See how these costs align with your financial situation to determine what you can afford to spend on healthcare each month.

Check Provider Compatibility:

• Make sure your preferred healthcare providers are covered under the plan’s network.
• If you travel frequently or live part of the year outside Nevada, ensure the plan covers healthcare services in those areas.

Weigh Additional Plan Benefits:

• Consider if you need extra benefits that some Medicare Advantage plans offer, such as dental, vision, and hearing services.
• Evaluate how much these benefits matter to you and how they might affect your plan choice.

How to Enroll in a Medicare Plan in Nevada

Here’s all you need to know about enrolling in a Medicare plan in Nevada.

Key Enrollment Periods

Enrolling at the right time is crucial to avoid penalties and ensure coverage starts when you need it.

• Initial Enrollment Period (IEP): This is a 7-month window that starts three months before your 65th birthday, includes your birth month, and extends three months thereafter. This is the best time to sign up for Original Medicare (Part A and Part B), join a Medicare Advantage plan, enroll in a Part D plan, or choose a Medigap plan.
• Annual Open Enrollment Period (AEP): From October 15 to December 7 of every year, you can switch from Original Medicare to Medicare Advantage, change Medicare Advantage plans, or change Part D coverage. Changes made during this period take effect on January 1 of the following year.
• Medicare Advantage Open Enrollment Period: If you’re already enrolled in a Medicare Advantage plan, you can switch to another Medicare Advantage plan or switch back to Original Medicare between January 1 and March 31 of every year.

Step-by-Step Guide to Enrollment

Enrolling in Medicare requires careful consideration of the various options available and how they align with your healthcare needs.

1. Review Your Options:
   • Visit Medicare online to review detailed plan information and compare options based on coverage, cost, and provider network. This platform provides the most up-to-date and comprehensive information about all available plans in Nevada.
2. Decide on Your Coverage:
   • Assess your healthcare needs and financial situation to determine which type of Medicare coverage is most suitable for you—whether that’s Original Medicare with or without a Medigap plan, a Medicare Advantage plan, or a standalone Part D plan.
3. Enroll Online or by Phone:
   • You can enroll in Medicare plans through the Medicare.gov website or by calling Medicare at 1-800-MEDICARE (1-800-633-4227), where help is available 24/7 in multiple languages.
4. Consult a Licensed Insurance Agent:
   • For personalized assistance, you can work with a licensed insurance agent like CoverRight who will help you navigate available options and ensure optimal coverage within your budget.

Medicare Resources for Nevada Residents

Nevada residents exploring Medicare options can access various resources to facilitate decision-making and offer support.

These organizations provide critical guidance to help you navigate the complexities of Medicare.

• State Health Insurance Assistance Program (SHIP): SHIP offers personalized counseling and assistance to Medicare beneficiaries, their families, and caregivers. This service is invaluable for understanding different Medicare coverage options, eligibility, enrollment, rights, and benefits.

• Area Agencies on Aging (AAA): AAAs provide many services, including help with Medicare questions. It serves as a community focal point for senior services, offering everything from insurance counseling to wellness programs.

• Nevada Department of Health and Human Services: It offers guidance on public health services, including Medicare and Medicaid. It can help clarify state-specific health coverage options and eligibility criteria.

Make Medicare simple in Nevada.

At CoverRight, our specialists deeply understand the Medicare system and the Nevada healthcare market. We’ll help guide you to coverage that fits your life and budget.

Start today.

Sources

1. Centers for Medicare & Medicaid Services (CMS)
   • Medicare Open Enrollment Partner Resources. Published 2024. Available at: cms.gov. Last Accessed January 26, 2025.
2. Centers for Medicare & Medicaid Services (CMS)
   • 2024 Medicare Advantage and Part D Ratings Fact Sheet. Published October 10, 2024. Available at: cms.gov. Last Accessed January 24, 2025.
3. Medicare.gov
   • Medigap Coverage Information: When to Buy. Available at: medicare.gov. Last Accessed January 24, 2025.
4. Medicare.gov
   • Medigap Overview. Available at: medicare.gov. Last Accessed January 24, 2025.
5. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed January 25, 2025.
6. Medicare.gov
   • When Does Medicare Coverage Start? Available at: medicare.gov. Last Accessed December 29, 2024.
7. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed January 25, 2025.
8. Kaiser Family Foundation (KFF)
   • Key Facts About Medicare Part D Enrollment, Premiums, and Cost Sharing in 2025. Available at: kff.org. Last Accessed January 25, 2025.

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