More than 11,000 people in Sparks, Nevada need Medicare to help cover their health care costs. But many may not know that they aren’t completely covered without a Medicare supplement.

Sparks, Nevada Supplemental Medicare Plans

If you are living in Sparks and receiving Medicare, statistics show you are at least 71 years of age and male. We used statistics to determine the data you will see on this page.

Average Medicare Advantage Plans in Sparks, Nevada

For beneficiaries who understand the difference between Medigap and Medicare Part C and are set on an Advantage plan, you’ll have 28 to choose from in Washoe County. But it’s important to look at your plan and benefits carefully so you can accurately budget for out-of-pocket expenses.

The average maximum out-of-pocket (MOOP) costs in Sparks can cost you thousands of dollars each year. So it’s important to find a plan with a lower MOOP in order to save money. Alignment Health has the lowest and comes with a $0 premium.

Senior Care Plus and UnitedHealthcare are in the middle. They both offer similar medical networks and have strong customer service ratings, but you could pay up to $1,000 more each year with UnitedHealthcare.

With Humana or Aetna, you could end up paying over $6,000 per year in out-of-pocket costs if you aren’t careful. This may be because they come with PPO medical networks. These networks tend to be slightly more expensive, hence the higher MOOP costs from these plans.

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 $6,300 LOCAL PPO 4
UnitedHealthcare $0 $4,400 HMO 4

Our Medicare Advantage FAQ pages can answer questions you may not even know you have yet!

Cheapest Medicare Supplement Plans in Sparks, Nevada

In the chart below, you’ll see several free rate quotes for the top Medigap plans in Sparks, Nevada. Keep in mind that your personal circumstances will determine whether you can find the lowest premiums available or whether you’ll end up getting quoted higher rates. The monthly premium is the most important factor since all plans are standardized.

Beneficiaries who want the cheapest monthly premium can purchase a high-deductible variation of Plan G or Plan F. But do yourself a favor and budget for that annual deductible. If you can’t pay your out-of-pocket costs, you’re going to have trouble getting your Medigap provider to help you out.

The next cheapest on the list is Plan K. But be careful, because you’re saving a modest amount in monthly premiums and leaving yourself vulnerable to 50% of the costs of things like Part B coinsurance and hospice coinsurance charges.

One of the cheapest Medigap plans in Sparks which is also highly comprehensive is Plan M. Basically, all you have to worry about is your monthly premium and 50% up your Part A deductible. You will also have to pay 100% of your Part B deductible.

PLAN A $84.00 $367.07
PLAN B $129.49 $333.25
PLAN C $153.22 $383.12
PLAN D $125.33 $220.66
PLAN F $118.49 $385.37
PLAN HDF $25.00 $64.96
PLAN G $102.52 $373.72
PLAN HDG $25.00 $63.37
PLAN K $46.49 $117.25
PLAN L $81.87 $223.02
PLAN M $104.78 $251.02
PLAN N $78.05 $363.40

Average Medicare Part D in Sparks, Nevada

If you choose Medicare Advantage over Original Medicare, it usually comes with its own prescription drug plan. But if you choose Original Medicare over Medicare Advantage, your main option is Medicare Part D. Just be aware of the fact that these plans can come with a coverage gap that might make your drugs very expensive for a short time.

When talking about cost, UnitedHealthcare has the most average drug plan in Sparks, Nevada. It might not seem like that’s true based on where it is on the list, but your total costs for premiums and deductible are only $661. Also, it has above-average customer service ratings.

Humana is well above average when it comes to costs. That $23 monthly premium and $480 annual deductible make it the most expensive plan on this list. But the fact that they’re also above average on customer service helps balance that out.

If you want below-average costs, then you’ll want Aetna or Wellcare. Not only do they have highly affordable monthly premiums, but they come with pretty decent customer service ratings, too.

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

Our Part D FAQ pages contain some of the most informative articles about Medicare and prescription drugs that you’ll ever read.

Medicare Special Needs Plans in Sparks, Nevada

You don’t have to be retired to qualify for a special needs plan from Medicare Advantage. You just have to have a chronic or disabling disease. For better or worse, you have to go through Medicare Advantage; these plants aren’t available for Original Medicare beneficiaries.

Alignment Health is the most forgiving plan. They only request that you pay $1,000 in out-of-pocket costs per year. And your disease does not have to be both chronic and disabling in order to qualify.

The rest of these plans unfortunately do have a dual eligibility requirement. Wellcare is the cheapest one if the price is all you’re concerned about. But there may also be other costs to consider.

There’s not much of a difference in the three remaining plans. All three have the same eligibility requirements, HMO networks, and a whopping $7,550 annual MOOP costs. You’re going to have to do a little digging to figure out which one of these plans could be better for you.

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


Can you have Medigap and Part D in Sparks, Nevada?

Yes, you can. In fact, most beneficiaries should have both. Your Medigap plan protects you from the gaps in your Original Medicare coverage.

Your Part D prescription drug plan protects you from the exorbitant costs of prescription medications.

What is a plan D Medigap plan in Sparks, Nevada?

It’s one of the more comprehensive Medigap plans. It’s slightly cheaper than a full-coverage plan, but you will still have to pay for your Part B deductible and Part B excess charges. Sadly, it does not help with prescription drug coverage.

Can you have a Medicare Advantage and a Medicare Supplement at the same time in Sparks, Nevada?

No. Furthermore, it is illegal for an insurance provider to try and sell you a supplement if you already have Medicare Advantage or vice versa.

This is called “duplicate coverage” and it’s illegal to sell it because you’re essentially paying twice for coverage you already have.

How to Sign Up for Supplemental Medicare in Sparks

If you know you need a Supplemental Medicare plan and you’re a Sparks, Nevada resident, reach out to us today. We can completely help you with comparing plans and the costs associated with them.

Our licensed agents are experts in the Medicare field and can answer any question you have about Medigap coverage. Their knowledge and time are both free to you, so there’s no reason not to capitalize on their assistance.

So give us a call today. Or complete our quick and easy online rate form to be connected with the best rates in Sparks, Nevada.

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.