When retirees become eligible for Medicare, their next step is to figure out how to cover their coverage gaps affordably. One option is Nevada Medicare Supplements. These standardized plans are carefully regulated by the government but serviced by private insurance companies. Because they’re all the same from state to state, the biggest factors affecting beneficiaries are the monthly premiums and provider quality.

Nevada Medigap Enrollment Per Letter Plan

Nearly 96,000 Nevada retirees are enrolled in a Medigap plan right now. This statistic reflects the fact that over 26% of beneficiaries choose Medigap as their supplement. The rest are either relying on Medicare Advantage or possibly going without – which is financially risky.

PLAN A B C D F G K L M N
738 418 1,321 243 54,742 21,243 744 464 1 11,550

What are the Most Common Medigap Plans in Nevada?

Clearly, the most popular Medigap plan is Plan F. Plan F is the most comprehensive of any Medigap plan. But it also tends to charge the highest monthly premium. However, alternative plans like the high deductible Plan F now offer the same benefits with a lower monthly premium – but you’ll still have to afford that hefty deductible.

Nest, you have Plan G. There’s not much of a difference between Plan F, and Plan G. Plan G charges a lower monthly premium in exchange for you paying your Part B deductible. There are also high deductible alternatives to this plan available for sale.

In third place is Plan N. In addition to your Part B deductible, you’ll also have to pay out-of-pocket for your Part B excess charges. You’ll also have to pay a small copay in place of your Part B coinsurance for doctor visits or outpatient procedures, for example.

Medigap Plan Coverage Chart for Nevada

As a reminder, these plans are standardized, meaning that Plan A in Oregon will still provide you with the same coverage if you live in Texas or California. A few states do it a little differently, but Nevada isn’t one of them. Take a look at the chart below to better understand the out-of-pocket expenses these supplements can protect you from.

Medicare Supplement Plans Costs in Nevada

So, how much can you expect to pay for your Medigap premium? Several factors are involved, so it’s hard to say. Your age, zip code, and smoking status will change how much your provider can charge you.

Inexpensive Premium Per Medigap Letter Plan in Nevada

The average Nevada Medicare beneficiary is typically female and in their early 70s. Plans L and N are some of the most inexpensive in the state based on this demographic data.

PLAN A B C D F G K L M N
Premium $104 $147 $180 $141 $137 $117 $54 $95 $127 $90

Highest Premium Per Medigap Letter Plan in Nevada

Let’s take another look at some different demographics. Below are some estimated rates for a male in his mid-70s who is a smoker. Strangely, Plan A is one of the most expensive in Nevada, even though it offers some of the fewest benefits.

PLAN A B C D F G K L M N
Premium $498 $376 $432 $291 $446 $422 $135 $296 $344 $409

Top Medicare Supplement Plan Carriers in Nevada

Let’s go back to our first sample of quotes for a 72-year-old female retiree. If she wants to shop around among different providers, she has a few different companies to choose from. But she should also consider things like customer service ratings and financial stability before she makes a choice.

CARRIERS PLAN F PLAN G PLAN N
Slbi USA $137 $129 $90
Physicians Life $139 $119 N/A
Nassau Life $141 $135 $98
Medico $142 $117 $91
American Financial $144 $124 $94

FAQs

Which Medigap plans are offered in Nevada?

All ten standardized plans are available in Nevada today. However, Plan F is only for sale if the beneficiary applying for it has been eligible for Medicare before 2020.

How do I find the best Medicare Supplement plan in Nevada?

You have two options: you could tediously call up different companies, answer a bunch of questions to get an estimate, and then scour your resources for information about how solid and reputable each company is. Or you could trust a rate comparison site run by Medicare experts to guide you in the right direction (but more on that in a bit).

How to Sign Up for Medicare Supplement Plan in Nevada

There are many rate comparison websites out there, but here at Medigap.com, we’re one of the few with real Medicare experts who have direct connections with insurance providers in your zip code. We get the rate quotes you need to make a well-informed decision about your care. And we’ll make the process as quick and easy for you as possible. Give us a call or complete our online rate form now.

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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.