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Medicare Supplement Plans in Nevada for 2022


Medicare Supplement plans in Nevada are available to you if you enroll in Original Medicare. These policies provide additional coverage alongside Medicare Part A and Part B. In Nevada, private insurance companies that follow strict federal guidelines offer this supplemental coverage.

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The benefit of carrying a Medicare Supplement (Medigap) plan is that it provides coverage for the out-of-pocket costs Original Medicare leaves behind. If you are a senior on Medicare, it may be in your best interest to review the Medicare Supplement options in your area and understand their benefits.

Below, we review Medicare Supplement plans in Nevada, who qualifies for coverage, and how to enroll.

What is the Best Medicare Supplement Plan in Nevada?

Various private insurance carriers offer up to 10 different Medicare Supplement plans in Nevada. Regardless of which company you choose, the insurance benefits stay the same, and you can use your policy with any physician who accepts Original Medicare. Thus, you will never have to worry about your coverage being denied based on your chosen carrier.

The best Medicare Supplement plans in Nevada are Medicare Supplement Plan N, Plan G, and Plan F. These choices are standard across the country because they offer the same benefits in each state.

Medicare Supplement Plan F is the most comprehensive of the three plans but is only available to select Medicare enrollees. To be eligible for this plan, you must enroll in Original Medicare before January 1, 2020.

Medicare Supplement Plan F covers 100% of your out-of-pocket costs after Original Medicare pays its portion. The only out-of-pocket cost on this plan is the monthly premium.

Medicare Supplement Plan G is the next best plan and the top option for those who do not qualify for Medicare Supplement Plan F. If you enroll in Medicare Supplement Plan G, you receive 100% coverage for your out-of-pocket costs after you meet the Medicare Part B deductible.

Lastly, Medicare Supplement Plan N is your best option if you want great coverage for a low monthly premium. Suppose you enroll in Medicare Supplement Plan N. In that case, you are responsible for covering the Medicare Part B deductible, a $20 copay at the doctor or specialist, a $50 copayment at the emergency room (if not admitted), and excess charges, if applicable.

Although this plan comes with more out-of-pocket responsibility, if you do not go to the doctor often, this may be the best choice for you.

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Does Nevada Allow Medicare Excess Charges?

Medicare Part B Excess charges are a rare additional cost on top of the Medicare-approved amount for a service. Excess charges apply only when your provider accepts Medicare but does not accept Medicare assignment.

If your provider does not accept Medicare assignment, they may bill you for an additional 15% excess charge. Although these charges are rare, Nevada allows physicians who do not accept Medicare assignment to bill for them. However, if your doctor accepts Medicare assignment, you will never be responsible for an excess charge.

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What is the Nevada Birthday Rule?

Nevada has an annual birthday rule when Medicare Supplement policyholders can change their Medigap selection. The 60-day window opens on the first day of a beneficiary’s birthday month each year.

During this time, if you already have a Medicare Supplement policy, you will have an opportunity to switch plans and/or carriers without answering underwriting health questions. Yet, you may only switch to a Medicare Supplement policy of equal or lesser coverage.

You will need to answer underwriting health questions if you wish to switch Medicare Supplement plans outside your birthday rule open enrollment window. Yet, in this case, pre-existing health conditions may prevent you from obtaining the coverage of your choice.

Nevada Medigap Plan Birthday Rule
Nevada Medigap plans are all subject to the state’s birthday rule.

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What is the Cost of Medicare Supplement Plans in Nevada?

The cost of a Medicare Supplement plan in Nevada depends on age, gender, level of coverage, location, and other factors.  For example, someone in Las Vegas with Medicare Supplement Plan G has the same coverage as someone else in Reno with Medigap Plan G with another carrier. However, the premium will differ.

The chart below compares the average premium rates of a 65 and 75-year-old male and female in the same Nevada ZIP Code.

Female, No Tobacco, Nevada ZIP Code 89712
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $118-$385* $151-$487
Medicare Supplement Plan G $107-$374 $130-$397
Medicare Supplement Plan N $78-$363 $101-$363
Male, No Tobacco, Nevada ZIP Code 89712
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $133-$435* $174-$541
Medicare Supplement Plan G $119-$422 $149-$441 
Medicare Supplement Plan N $88-$410 $114-$410

* If on Medicare before 1/1/20

Remember, the chart above is an example of a premium range. Your actual costs may differ from those listed above.

Medicare Supplement Eligibility for Disabled Individuals Under 65

If you receive SSDI benefits for 24 months or have a diagnosis of amyotrophic lateral sclerosis or end-stage renal disease, you are eligible for Original Medicare. Some states require insurance carriers to offer Medicare Supplement plans to those under 65. However, Nevada does not have this requirement. Nevada does not require Medicare Supplement companies to provide Medicare Supplement plans to those under 65.

While not required, some carriers may offer a short list of Medicare Supplement plans to those under 65 at inflated premium rates. Due to these high costs, many Medicare enrollees under 65 turn to Medicare Advantage plans for coverage. This way, you will at least have a cap on out-of-pocket spending and may receive additional benefits specific to your disability.

However, once you turn 65, you will receive another Medigap Open Enrollment opportunity. At this time, many Medicare enrollees under 65 will switch to Medigap at a much lower premium.

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Additional Medicare Coverage Options in Nevada

Medicare Supplement plans are not the only great options for coverage with Medicare in Nevada. When you enroll in Medicare Part A, Part B, or both, you may sign up for a Medicare Part D plan.

Medicare Part D is a vital part of your Medicare coverage. This plan allows you to receive prescription drug coverage. Enrolling in a Medicare Part D plan is essential to avoid the Medicare Part D late enrollment penalty.

If you decide a Medicare Supplement plan is not for you, you can always sign up for Medicare Advantage in Nevada. Medicare Advantage plans are an excellent option for enrollees who do not mind navigating a provider network and wish to have a lower monthly premium with more out-of-pocket costs.

Lastly, ancillary coverage through dental, vision, and hearing plans are available in Nevada. While Medicare coverage is not necessary to enroll in these options, they complement your coverage well.

How to Apply for a Medicare Supplement Plan in Nevada

Enrolling in the right Medicare Supplement plan for you is essential. At MedicareFAQ, our licensed Medicare agents are experts in evaluating your needs and matching you with the best plan possible for your budget and healthcare needs.

To receive your side-by-side plan comparison, give us a call at the number above or complete our online rate form today!

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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