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

Medicare plans in Reno, Nevada

The biggest little city in the world is home to Medicare beneficiaries who are around 72 years old and, more often than not, female. Some of the quotes here might seem a little low if you are male or older. Medicare recipients in Reno, Nevada, have several options for enhancing their Medicare benefits.

Medicare Advantage plans

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 regarding Reno, Nevada, and Medicare Advantage plans.

First, you’ll have to balance your monthly premiums with 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 yearly. 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.

The average cost of Medicare Advantage plans in Reno, Nevada

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 HMO-POS 4
UnitedHealthcare $0 $4,400 HMO 4

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

Medicare Supplement plans

Several factors determine the monthly rate you are charged for your Medigap plan. One of the most critical factors is your zip code. However, Your specific state doesn’t matter as much because these plans are standardized nationwide.

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 costly later if you receive the care you didn’t anticipate needing.

On the low end of the spectrum, the cheapest Reno, Nevada, Medicare Supplement plans are around $100 monthly, give or take. This means you could get something like Plan L for a more affordable monthly premium and still get many benefits.

You could get Plan G without the high annual deductible if you want to go a little higher on your monthly payments. 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.

The average cost of Medicare Supplement plans in Reno, Nevada

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 want to learn more.

Medicare Part D prescription drug plans

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 Reno, Nevada, 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.

UnitedHealthcare might be more affordable if you can’t afford a high annual deductible and need discounts now. 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.

The average cost of Medicare Part D plans in Reno, Nevada

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.

Special Needs plans.

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

The only single eligibility plan in Reno is Alignment Health. It also has a low cap on out-of-pocket costs, but it’s 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.

The average cost of Medicare Special Needs plans in Reno, Nevada

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

How to sign up for Medicare plans in Reno

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

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

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.