Did you know there are over 366,000 Medicare beneficiaries in Las Vegas, Nevada? But here’s the real question: do you know how many of them need a supplement plan to protect themselves from expensive Medicare coverage gaps?

Las Vegas, Nevada Supplemental Medicare Plans

Medicare beneficiaries in Las Vegas tend to skew a bit young at 71 years old. Around 52% are female. Many of the rate quotes on this page will reflect this data, so keep that in mind while you’re reading.

Average Medicare Advantage Plans in Las Vegas, Nevada

Your average Las Vegas Medicare Advantage plan will come with either an HMO or a PPO medical network. It’s a good idea to check and ensure that your Advantage plan has the doctors and facilities you need for the best care. But that may take a while because you’ll have 44 different plans.

Humana and Aetna are PPOs and are more expensive on average than most other plans. They start at $0 per month but also allow up to $6,700 per year in out-of-pocket costs (which you will be responsible for).

UnitedHealthcare is definitely below average in price, limiting those out-of-pocket costs to $1,000. Remember they are an HMO, which can save you money but has strict network restrictions.

Senior Care Plus and Anthem BCBS are right in the middle. Both are also HMOs. But Senior Care Plus has a better customer service rating.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $6,700 LOCAL PPO 4
UnitedHealthcare $0 $1,000 HMO 4
Aetna $0 $6,700 LOCAL PPO 4
Senior Care Plus $0 $2,900 HMO 4
Anthem BCBS $0 $1,500 HMO 3

Unsure whether or not Medicare Advantage is right for you? We have more answers on our Medicare Advantage FAQ pages.

Cheapest Medicare Supplement Plans in Las Vegas, Nevada

Medigap coverage is standardized all across the country. Each lettered plan has the same benefits in every state. So your main challenge is choosing the plan with the cheapest monthly premium.

The high-deductible versions of Plan F and Plan G are the cheapest in Las Vegas, Nevada. Remember that this deductible could cost you thousands of dollars annually, but it could save you as much or more in premium payments. Plus, both plans are highly comprehensive.

Medigap Plan K is the next cheapest plan. But it’s not the most popular plan – and for good reason. You are expected to pay 50% of the cost of many benefits, including expensive ones like Part B coinsurance and your Part A deductible.

Plan N is more expensive than Plan A by 29 cents, but there’s a lot of value. Plan N has many more benefits than Plan A, like coverage for skilled nursing facilities and Part B excess charges. You will have to pay a small copay in place of your Part B coinsurance.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $104.00 $489.07
PLAN B $169.93 $439.75
PLAN C $203.99 $505.37
PLAN D $144.08 $295.77
PLAN F $154.13 $508.00
PLAN HDF $33.50 $83.76
PLAN G $132.20 $492.76
PLAN HDG $33.50 $81.70
PLAN K $61.89 $155.12
PLAN L $108.41 $296.99
PLAN M $139.52 $334.31
PLAN N $104.29 $478.90

Average Medicare Part D in Las Vegas, Nevada

If you need prescription drug coverage, you need either Medicare Advantage or Medicare Part D. The latter is for beneficiaries who choose to stay with Original Medicare.

According to your Medicare Explanation of Benefits, your drug plan can seriously discount your prescriptions if you pay a monthly premium and meet your annual deductible.

Using the data from the chart below, you can expect the average Medicare Part D plan to cost around $660 per year. The plans that fall below this average are from Aetna or Wellcare.

Price-wise, UnitedHealthcare is right in the middle. But that depends on what your budgetary needs are. Are you willing to pay a little more each month to meet your deductible sooner? this can help you save money if your prescriptions are very expensive.

Clear Spring and Humana are both above average in cost. But Humana at least has an above-average customer service rating. Clear spring, on the other hand, has below-average customer service.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.30 $480 3
Wellcare $12.00 $480 3
Clear Spring $16.00 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

There’s a lot more to Medicare Part D than meets the eye. Reading our Part D FAQ pages can teach you more.

Medicare Special Needs Plans in Las Vegas, Nevada

Did you enroll in Medicare because you have a chronic or disabling disease, like Cystic Fibrosis or Macular Degeneration?

Then a Special Needs Plan purchased through Medicare Advantage might be a good option. These plans are designed to keep costs low because they know that you could go bankrupt otherwise getting the specialized treatment you need.

Dual eligibility is when your disease must be chronic and disabling to qualify for an SNP. The cheapest one available under these circumstances is Alignment Health. They offer an HMO medical network to reduce your expenses.

Humana’s dual eligibility PPO plan is more expensive, especially regarding your out-of-pocket costs. But it may be worth it if your specialized care needs to come from a doctor or facility that is not on an HMO plan.

Some plans only require your chronic illness to be either chronic or disabling. It doesn’t need to be both. Unfortunately, you only have HMO plans to choose from in Las Vegas. And if you want the most affordable one, start with Senior Care Plus.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 LOCAL PPO Dual
Alignment Health $0 $2,900 HMO Dual
Anthem BCBS $0 $1,500 HMO Chronic/Disabling
Senior Care Plus $0 $1,250 HMO Chronic/Disabling
Imperial $0 $2,999 HMO Chronic/Disabling

FAQs

Do Medigap plans cover Part D in Las Vegas, Nevada?

Unfortunately, Medigap does not cover prescription drug benefits no matter where you are. Furthermore, a Medicare Part D plan is a completely separate entity from Medigap.

Does Las Vegas, Nevada, offer Medicare Advantage Plans?

Yes. Clark County residents have 44 different Medicare Advantage plans to choose from if they decide to forego Original Medicare.

What is the difference between Medigap plan D and G in Las Vegas, Nevada?

Medigap Plan D and G are nearly identical. The only difference is that Medigap Plan D does not help you pay for Part B excess charges.

Part B excess charges are still legal in Nevada, so beneficiaries who can afford Medigap Plan G will be better protected.

How to Sign Up for Supplemental Medicare in Las Vegas

Signing up for a Supplemental Medicare plan in Las Vegas, Nevada, can be complex, but we can make it easier.

Our licensed insurance agents can walk you through all the options for Medigap plans and make sure you get a Medicare supplement that fits both your needs and budget.

The agents’ time is free of charge to you, so give us a call today. Or complete our simple online rate form to receive the best rates in Las Vegas, Nevada, today.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. 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 Medigap.com. 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.