There are around 43,000 Medicare beneficiaries enjoying the adjacent-to-big-city life in Henderson, Nevada. And they tend to skew younger, being 71 years of age on average.
Henderson, Nevada Supplemental Medicare Plans
Of those, 51% are female, and 48% are male, which is a higher percentage of male beneficiaries than in most cities.
Regardless, it’s important for every beneficiary to explore their options when it comes to Medicare supplements so that they get the best value for their money.
Affordable Medicare Advantage Plans in Henderson, Nevada
Henderson residents are lucky; Clark County is one of the few counties in Nevada where retirees have 44 different options when it comes to Medicare Advantage plans. But comparing them all can get overwhelming, and fast. We’re here to help.
Many of these Medicare Advantage plans start with a $0 monthly premium, making them highly affordable. But you also have to calculate out-of-pocket costs when trying to decide on a plan. This means UnitedHealthcare and Wellcare are the two most affordable in the chart below.
Unfortunately, you can’t say that about Humana or Aetna. They currently allow their plan members to spend up to $6,700 out-of-pocket before they take on more of the costs. And those expenses can come from things like coinsurance and copays, or even the cost of prescription drugs.
Alignment is a bit of an outlier. They fall in the middle as far as affordability goes. But they don’t have any data available on their customer service record.
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Cheapest Medicare Supplement Plans in Henderson, Nevada
Instead of replacing your Medicare benefits with a Part C plan, you could purchase a Medigap supplement. They’re small, standardized supplements that offer the exact same benefits in nearly every state. So finding the cheapest one is as easy as comparing monthly premiums.
If you want SUPER Medicare, you can get a pretty cheap Plan F for as little as $130 in Henderson, Nevada. Or you could opt for the high deductible version, Plan HDF, for only $30 per month. Both offer the same benefits, but for the cheaper one, you’ll have to pay a large deductible upfront before insurance steps in.
How comprehensive is Plan D? More than most retirees realize. The only difference between it and full-coverage Plan F is the Part B deductible and Part B excess charges. Keep in mind, though, that providers in Nevada are legally allowed to charge excess charges, so either budget for them or choose a plan which covers them.
Plan N is very comprehensive, and for a good price, too. It’s very similar to Plan D. But instead of having your Part B coinsurance and copayments completely covered, you will be asked for a small copay.
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Still confused? Don’t be. Our Medigap FAQ pages have lots of answers.
Affordable Medicare Part D in Henderson, Nevada
The basic parts of Medicare, sadly, do not cover prescription drugs. To get affordable prices on your prescriptions, you will need either Medicare Advantage or Medicare Part D. Keep in mind that part D is only for retirees with Original Medicare.
The top part D prescription drug plans in Henderson are Either Aetna or Wellcare if your concern is affordability. Between premiums and deductibles, there’s at least an $80 difference per year.
It may be hard to tell at first, but when you add up all the costs for the UnitedHealthcare plan, this puts it right in the middle of the others. Yes, your monthly premium is the highest, but the lower deductible can save you anywhere from $10 to $90 per year.
Humana is the least affordable when it comes down to dollars and cents. However, it is one of two plants in the chart below which has a 4-star customer service rating. So you may be paying more for better value.
If you’re curious about the more technical aspects of prescription drug coverage, consult our Part D FAQ pages.
Medicare Special Needs Plans in Henderson, Nevada
Unfortunately, some people get enrolled in Medicare early because they have a very expensive chronic disease. If your medical condition is chronic, disabling, or both, you could qualify for a special needs plan through Medicare Advantage. Let’s take a look at the plans available in Henderson right now.
Most of these plans do not require dual eligibility. furthermore, most of them have strict HMO medical networks you must stick to. But the most affordable one with the lowest out-of-pocket cost is Senior Care Plus.
The most expensive of them is Imperial with their annual MOOP costs capped at just under $3,000. And for $99 less (if you qualify for dual eligibility) is Alignment Health.
If you qualify for dual eligibility but don’t want an HMO network, think about Humana. Yes, the MOOP costs are the highest on the list. But you will also have access to a wider local PPO network.
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Does Nevada offer Medicare Advantage plans in Henderson, Nevada?
Yes, they do. Clark County, where Henderson is located, offers 44 different Medicare Advantage plans for beneficiaries to choose from.
Can you have a Medicare Advantage and a Medicare Supplement at the same time in Henderson, Nevada?
No, you cannot. Medicare Advantage plans are larger and include most of the same benefits that Medicare Supplement insurance does. Having both would be considered duplicate coverage, and it’s illegal to sell duplicate coverage to retirees.
What is the main difference between Medicare Advantage and Medigap in Henderson, Nevada?
There’s nothing unique about Medicare Advantage or Medigap in Henderson, specifically. But the main difference is that Medicare Advantage is a completely private health insurance plan.
Medigap, on the other hand, is a private health insurance supplement that lets you keep your government health benefits.
How to Sign Up for Supplemental Medicare in Henderson
What if we told you that we offer a free service that connects you with the best Medicare supplement providers in your area — and you can get accurate rate quotes to help you shop around?
Our Medicare experts are passionate about helping people like you get the best health plan at the most affordable cost.
Give us a call today or fill out our online rate form if you are ready to reduce your health care expenses and get