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 plan.

Medicare plans in Sparks, Nevada

If you live in Sparks, Nevada, and are entitled to 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.

Medicare Advantage plans

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

The average maximum out-of-pocket (MOOP) costs in Sparks can cost you thousands of dollars annually. So finding a plan with a lower MOOP is essential to save money. Alignment Health has the lowest and comes with a $0 premium.

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

With Humana or Aetna, you could pay 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.

The average cost of Medicare Advantage plans in Sparks, 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 $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!

Medicare Supplement plans

The chart below shows several free rate quotes for Sparks, Nevada’s top Medicare Supplement plans. Remember that your circumstances will determine whether you can find the lowest premiums available or get 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’ll have trouble getting your Medigap provider to help you.

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.

The average cost of Medicare Supplement plans in Sparks, Nevada

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

Medicare Part D prescription drug plans

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 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 Part D drug plan in Sparks, Nevada. It might not seem like that’s true based on where it’s on the list, but your total costs for premiums are only $29.30. 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 in 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.

The average cost of Medicare Part D plans in Sparks, 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

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

Special Needs plans.

You don’t have to be retired to qualify for a special needs plan from Medicare Advantage. You have to have a chronic or disabling disease. For better or worse, you must go through Medicare Advantage; these plans 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 chronic or disabling to qualify.

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

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

The average cost of Medicare Special Needs plans in Sparks, 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 Sparks

If you need a Supplemental Medicare plan and are a Sparks, Nevada, resident, contact 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.