Over 37,000 people in Reno, Nevada are signed up for Medicare Part A and B. But many of them aren’t signed up for a Medicare supplement, which puts their savings at risk due to expensive medical bills.

Reno, Nevada Supplemental Medicare Plans

The biggest little city in the world is home to Medicare beneficiaries who are around 72 years old and, more often than not, female. So if you are male or older, some of the quotes here might seem a little low. Healthcare costs are usually cheaper for women and younger individuals.

Affordable Medicare Advantage Plans in Reno, Nevada

Living in Washoe County means you’ll have 28 of the best Medicare Advantage plans to choose from. And if your main priority is affordability, you will have many different factors to consider.

First, you’ll have to balance your monthly premiums with your out-of-pocket costs. There are many $0 monthly premium plans in Reno, including Alignment Health, which caps your MOOP costs at $999 per year.

The next most affordable plans come from either Senior Care Plus or UnitedHealthcare. But your MOOP costs with Senior Care Plus will be $1,000 cheaper per year. Both come with HMO medical networks to reduce expenses.

The wider your medical network is, the more expensive your plan will be. Humana’s PPO network and high MOOP costs may only be affordable for beneficiaries who don’t require frequent care. And Aetna’s MOOP costs are even higher still.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $6,500 LOCAL PPO 4
Alignment Health $0 $999 HMO N/A
Senior Care Plus $0 $3,400 HMO 4
Aetna $0 $7,550 HMOPOS 4
UnitedHealthcare $0 $4,400 HMO 4

Don’t forget that you can always consult our Medicare Advantage FAQ pages for more info.

Average Medicare Supplement Plans in Reno, Nevada

The monthly rate you are charged for your Medigap plan is determined by several factors. One of the most important factors is your zip code. Your specific state, however, doesn’t matter as much because these plans are standardized across the nation.

Your average Medicare beneficiary should try to balance comprehensiveness with cost. You don’t want to waste money on an expensive plan like Plan C if it offers more benefits than you need. But choosing too little coverage can be expensive later if you receive the care you didn’t anticipate needing.

On the low end of the spectrum, the cheapest Medigap plans are around $100 a month give or take. This means that you could get something like Plan L for a cheaper monthly premium and still get many benefits covered.

If you’re willing to go a little higher on your monthly payments, though, you could get Plan G without the high annual deductible. It covers more benefits than Plan L, like Part B excess charges. And if you think you can afford a high annual deductible, you can get a much more affordable monthly premium.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $95.00 $498.07
PLAN B $166.84 $376.00
PLAN C $192.13 $432.62
PLAN D $150.67 $291.11
PLAN F $142.54 $446.00
PLAN HDF $41.00 $79.99
PLAN G $122.24 $422.08
PLAN HDG $41.00 $78.04
PLAN K $57.96 $135.00
PLAN L $101.85 $296.62
PLAN M $146.93 $344.41
PLAN N $98.99 $409.60

Our Medigap FAQ pages have plenty of information for beneficiaries who would like to learn more.

Affordable Medicare Part D in Reno, Nevada

If you want affordable prescription drugs, you could sign up for a Medicare Advantage plan which usually includes prescription drug coverage.

You can also sign up for Medicare Part D if you choose to stay enrolled in Original Medicare. And if you’re still struggling to afford your medicine, you can look into Medicare Extra Help in your state.

Affordability is in the eye of the beholder. Are you looking for the lowest monthly premium? Aetna would obviously be the most affordable in that case. But they still have a very high $480 annual deductible you must meet before you get discounts.

If you can’t afford to meet a high annual deductible and need discounts now, UnitedHealthcare might be more affordable for you. Yes, it’s almost $30 per month. But for some retirees, it’s worth it.

The other plans could cost you anywhere from $624 to $672 per year in just your deductible and monthly premium. Whether those plans are more affordable could depend on variables such as customer service or the variety of drugs available on the formulary.

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

This isn’t all there is to Medicare Part D. Reading our Part D FAQ pages can help you learn even more.

Medicare Special Needs Plans in Reno, Nevada

People suffering from chronic disease can enroll in a Medicare Advantage Special Needs Plan at any age. Unfortunately, most of the plans in Reno require that your disease be both chronic and disabling in order to qualify. But some plans only require one or the other.

The only single eligibility plan in Reno is Alignment Health. It also has a low cap on its out-of-pocket costs, but it is limited to a small HMO network.

The rest of these plants have dual eligibility requirements. And many of them have expensive out-of-pocket cost requirements like Anthem BCBS. Furthermore, they also adhere to smaller HMO medical networks.

Other than alignment, Wellcare is the cheapest plan available in Reno. You will only be asked to pay $3,450 in out-of-pocket costs each year. After that, your insurance company steps in and helps with the burden.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Senior Care Plus $0 $7,550 HMO Dual
Alignment Health $0 $1,000 HMO Chronic/Disabling
Anthem BCBS $0 $7,550 HMO Dual

FAQs:

Does Reno, Nevada offer Medicare Advantage plans?

Medicare Advantage plans vary from one county to the next. In Washoe County, you have 28 plans to choose from. That may sound like a lot, but some areas have twice as many or more.

Do Medigap plans in Reno, Nevada cover Part D?

No. Medicare Part D and Medicare Supplement Insurance plans are two completely different things. Medicare Part D exclusively covers prescription drugs; Medigap plans specifically exclude prescription drugs for this reason.

What is Medigap Part D in Reno, Nevada?

Compared to a full-coverage plan like Medigap Plan F, Medigap Plan D covers everything except your Part B deductible and your Part B excess charges. It’s easy to get this confused with Medicare Part D which is completely separate and helps reduce the cost of prescription drugs.

How to Sign Up for Supplemental Medicare in Reno

We work with the best of the best Medicare supplement providers. We diligently connect beneficiaries in need with providers who will give them the best price and best quality health coverage possible.

Call us today, or use our online rate form in order to get connected with the best rates in Reno, Nevada.

Picture of the author
by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.