Medicare Advantage Plans in Nevada
Written by: Rachel Nall, MSN, CRNA, APRN
Reviewed by: Shikita Nunnery, Licensed Insurance Agent
Key Takeaways
Most Nevada residents have access to at least one Medicare Advantage plan.
Plans are area-specific and usually require in-network providers and facilities.
Most people qualify by turning age 65 and signing up for Parts A and B of Original Medicare with the Social Security Administration.
You can select a Medicare Advantage plan that offers prescription drug coverage and other additional benefits.
Medicare Advantage is an alternative to Original Medicare that allows you to choose a private insurance company to fulfill your Medicare benefits. Choosing a Medicare Advantage plan can enable you to obtain additional benefits that Original Medicare doesn’t offer. If you’re thinking of this option, here’s what you should know about Medicare Advantage in Nevada.
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Call TodayNevada Medicare Advantage Plan Coverage
You can choose a Medicare Advantage plan from a private insurance company that will provide your Medicare benefits, usually including coverage and services that are not part of Original Medicare. If you wish to enroll in a Medicare Advantage plan, you must do so when you are first eligible or during the Medicare Open Enrollment Period, also called the Annual Enrollment Period, from October 15 to December 7 every year.
There are 109 Medicare Advantage plans available in Nevada in 2024. Among those plans, 31 offered additional benefits for people who receive low-income subsidies, also referred to as Extra Help, or who are living with chronic illnesses.
NV Medicare Advantage Plan Costs
When you have Medicare Advantage, you still must pay your monthly premium for Medicare Part B and potentially a premium to your Medicare Advantage company. According to the Centers for Medicare & Medicaid Services (CMS), the average monthly premium that Nevada residents pay for Medicare Advantage in 2024 is $4.42.
More than 97% of Medicare-eligible Nevadans have access to a $0 premium plan in 2024. However, it’s important to evaluate each plan carefully as a $0 premium plan may not save you as much money in the long run, depending on things like copayments, deductibles and other out-of-pocket expenses.
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Find The Right PlanMedicare Advantage Plan Eligibility and Enrollment in Nevada
Most Nevada residents will qualify for Medicare Advantage based on age. You qualify for Medicare at age 65. Typically, you can enroll the three months before, the month during, or the three months after you turn 65. You will sign up via the Social Security Administration. At the same time, you can choose a Medicare Advantage plan if you wish.
Some people qualify for Medicare before age 65. You may qualify if you meet the following criteria:
- You have end-stage renal disease (ESRD).
- You have a disability that prevents you from working.
- Have amyotrophic lateral sclerosis (ALS).
Waiting periods exist for when you can qualify for Medicare because of ESRD or a disability. However, if a doctor has diagnosed you with ALS, you can qualify for Medicare benefits when you are diagnosed.
If you are already receiving Social Security benefits, you are usually automatically enrolled in Medicare. You can expect to receive your Medicare card in the mail in the three months before you turn 65.
However, if you aren’t getting Social Security benefits, you’ll need to sign up for Medicare. To enroll in Medicare in Nevada, you will need to contact your Social Security office. You can apply online at the Social Security Administration’s website, visit your local office or sign up by calling Social Security at 1-800-722-1213 (TTY: 1-800-325-0778).
Are There Nevada Medicare Advantage Plans With Prescription Drug Coverage?
Most Medicare Advantage plans offer prescription drug coverage. Bundling these plans mean you can pay a single premium for your Medicare Advantage and prescription drug coverage (remember, you’ll still pay your Part B premium to Medicare).
a Medicare Advantage plans that offers prescription drug coverage will have a formulary, a list of medications the plan covers. The formulary will divide the medications into tiers — typically five — that can help estimate what you will pay out of pocket.
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