Nevada has more than 544,000 Medicare beneficiaries living within its borders. But how many of them are protecting themselves from potentially perilous gaps in their Medicare coverage with the right supplement? Let’s take a closer look.

Nevada Medicare: Facts & Figures

  • There are nearly 329,000 beneficiaries enrolled in Medicare Part A
  • And a little over 276,000 are also enrolled in Medicare Part B
  • 289,000 beneficiaries aged into the program when they turned 65
  • Alternatively, just over 42,000 qualified for Medicare via disability
  • 215,000 enrolees have decided to replace their Original Medicare with a Medicare Advantage plan instead
  • More than 356,000 beneficiaries also enrolled in Medicare Part D

Medicare Costs in Nevada for 2024

Medicare covers a good amount of your medical expenses but doesn’t cover everything. As you can see in the chart below, Part B comes with an annual deductible, a monthly premium, and a 20% coinsurance charge each time you need outpatient care. On the other hand, Part A doesn’t charge most people a premium, comes with a much higher deductible, and will start charging coinsurance payments for extended inpatient stays.

Medicare Part A Costs in 2023 Medicare Part B Costs in 2023
  • Part A is premium-free for most
  • Part A deductible is $1,600 per benefit period
  • Inpatient hospital stay days 61-90 is $400
  • The standard Part B premium is $164.90
  • The annual deductible for Part B is $226
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

Original Medicare consists of two parts: Medicare Part A and Medicare Part B. Part B is optional if you still have qualifying coverage from a former employer and helps you with more common care, like doctor visits. Part A is mandatory and covers inpatient hospital and hospice care.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Nevada

So what do you do if you need additional coverage, like prescription drugs or vision? There is supplemental coverage you can purchase. One popular option in Nevada is Medicare Advantage (Medicare Part C). It replaces your Medicare benefits with a similar plan but usually lets you add ancillary coverage like prescription drugs, dental, vision, and more.

Some beneficiaries want to keep their Original Medicare benefits, and the best option for those people is to purchase a Medigap Supplement plan. This pairs well with a Medicare Part D prescription drug plan.

But anyone who wants extra coverage, like hearing or vision, will have to find a private plan elsewhere. Remember that no matter what supplement you choose, your prices will depend on different factors, such as your location and the level of coverage you purchase.

Cities in Nevada with Estimated Premiums for Supplemental Coverage

Estimated premiums for different supplemental coverage for the cities listed below are shown on the accompanying charts below:

Nevada Medicare Resources

If you need more info about Medicare and Medicare enrollment, there’s a ton of helpful information. Just take a look at the following links:

Another great option is to reach out and contact us! One of our Medicare experts will usually get back to you within 24 hours.


What is the difference between Medicare Part D and Medigap in Nevada?

It’s easy to be confused since the two have much in common. They’re both private insurance supplement plans regulated by the federal government so that you get a better deal on prices and benefits. But Medicare Part D is exclusively for prescription drugs. On the other hand, Medicare Supplement plans cover many benefits, including parts A and B, coinsurance costs, travel insurance, and deductibles.

What is the downside to Medigap plans offered in Nevada?

Some beneficiaries don’t like that their Medigap is a separate policy from their Medicare. It’s even more inconvenient if they need to juggle ancillary coverages like vision and dental. Furthermore, Medicare Supplements can be more expensive than Medicare Advantage in some areas. But shopping around and comparing free rate quotes can help shave off much of the cost.

What’s the downside to Medicare Advantage plans in Nevada?

Depending on where you live in Nevada, you may not have many options if you’re looking for a Medicare Advantage plan. Some Nevada counties only have a handful of plans from which to choose. And the more ancillary coverage you add to your plan, the more expensive it will be – sometimes prohibitively so. Finally, Medicare Advantage is private health insurance, which can be convoluted and confusing. Medicare Advantage is a very popular choice in Nevada, though, so for some beneficiaries, the savings and benefits they receive may be worth the drawbacks.

Do Medigap plans have a maximum out-of-pocket in Nevada?

Most Medigap plans don’t due to their high level of comprehensiveness. But there are two plans which do come with an out-of-pocket maximum. Those plans are Plan K and Plan L. Many of the benefits these plans provide only cover 50% – 75% of your total costs. The rest comes out of your pocket. To save you from mounting medical expenses Plan K comes with a $6,940 out-of-pocket limit, and Plan L comes with a $3,470 limit.

Do I need Part D if I have Medicare Advantage in Nevada?

If you need to take prescription drugs, it’s good to have some prescription drug coverage. But the vast majority of Medicare Advantage plans in Nevada come with prescription drug coverage built into the plan. If your Medicare Advantage plan does not include this coverage, you may want to talk to someone about changing plans.

How to Sign Up for Supplemental Medicare in Nevada

We’ve been in the Medicare business for a long time, and our compassionate team wants to help you find the right plan for you. We’ll even connect you with local providers and help you shop around for free rate quotes. Give us a call today or complete our online rate form here.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.