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.
Sparks, Nevada, Medicare plans
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.
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 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 each year. So it’s essential to find a plan with a lower MOOP 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 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.
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|Senior Care Plus||$0||$3,400||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
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.
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Average 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.
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.
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 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 figure out which one of these plans could be better for you.
|Senior Care Plus||$0||$7,550||HMO||Dual|
Can you have Medigap and Part D in Sparks, Nevada?
Yes, you can. 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 simultaneously have a Medicare Advantage and a Medicare Supplement in Sparks, Nevada?
No. Furthermore, it’s 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 the coverage you already have.
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.