Where Do I Start with Choosing a Medicare Supplement Insurance Plan in Nevada?

When you’re looking to close some of the gaps in Medicare Parts A and B coverage, you may want to consider a Medicare Supplement Insurance plan. Medicare Supplement Insurance plans, also called Medigap, can help to cover medical expenses such as copayments, coinsurance and deductibles that are not covered by Original Medicare. Nevada residents can find a Medigap policy from private insurance companies throughout the state.

In 2023, Nevada residents have many Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits in Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those newly eligible for Medicare, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

Nevada residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan to consider.

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Which Medicare Supplement Insurance Plans in Nevada Are the Most Popular?

Government-approved Medicare Supplement Insurance plans protect residents in most states, including Nevada. Throughout the state of Nevada, the insurance companies that sell Medigap plans offer the same basic benefits, but the cost may vary depending upon where you live and the carrier. Each insurer in Nevada may not offer each of the available Medigap plans.

As reported by America’s Health Insurance Plans (AHIP), 100,623 Nevada beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Nevada enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	483	306	931	169	72	46,809	35,820	131	269	2,516	675	364	0	11,626

Source: AHIP (2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Nevada Medicare Supplement Insurance plan will not cover benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Medicare Advantage plan.

Learn more about your Medicare Supplement Insurance plan options in Nevada by working with a SelectQuote licensed insurance agent. Acting as your advocate, our team can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Nevada.

Residents of Nevada cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.

When is the Nevada Medicare Supplement Plan Enrollment Period?

Initial enrollment timeframes are very important. Enrollment for Nevada Medicare Supplement Insurance plans begins the first day of the month you turn at least 65 years old. You also must be enrolled in both Medicare Parts A and B in order to enroll in a Medigap plan.

Nevada residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Nevada residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. You might be surprised to hear that enrollment can begin as early as 64 and 6 months. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. If you apply for Medicare Supplement Insurance outside of this timeframe, you’ll be subject to a physical exam. If you apply for Medigap coverage after the first months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

Is a Nevada Medicare Supplement Insurance Plan Right for You?

SelectQuote is here to help. Our licensed insurance agents can see if you’re receiving all the benefits available to you and also help you stay current with annual updates to Medicare plans made by insurance companies. As a trusted specialist in Medicare insurance, SelectQuote is here to help you find the right Nevada Medicare Supplement Insurance plan for your needs.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.