Medicare Advantage Plans in Nevada

Signing up for a Medicare Advantage plan in Nevada will expand your health insurance plan to include complete Medicare Part A and Part B coverage with various wellness benefits and prescription drug plans. Beneficiaries who spend at least six months a year in one service area and are interested in simplifying their medical coverage should learn more about Medicare Advantage plans in Nevada.

Find Plans in Your Area
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Top-rated Medicare Advantage Providers in Nevada

  • Aetna: Aetna's HMO also has earned high-quality ratings.
  • Humana: Humana has enrolled almost a third of all Medicare Part C plans in Nevada.
  • Renown Health: This smaller insurance company has a 10-percent share of the state's MA plan marketing.

Popular Medicare Advantage Plan Types in Nevada

Best for network freedom: Medicare Advantage PPO

Preferred Provider Organizations, also known as PPOs, are the more lenient type of Medicare Advantage plan in Nevada. While each plan has a network of healthcare providers offering members the lowest prices, beneficiaries are permitted to seek care from out-of-network providers. They might pay higher out-of-pocket costs to do so.

Most PPO plans don't require beneficiaries to select a primary care physician. Referrals are often not necessary to see a specialist.

While some $0 premium PPOs are available in Nevada, premiums can go up to $100 for some plans.

Best for lowest out-of-pocket: Medicare Advantage HMO Plan

Health Maintenance Organizations, also known as HMOs, are more restrictive than PPO plans but are more cost effective. Beneficiaries are required to see network providers exclusively. In return, they receive lower prices, making their overall health care more affordable.

HMO plans require beneficiaries to select primary care physicians and ask for referrals or plan approval before seeing specialists. Some medical procedures and types of medical equipment may also need prior permission for plan coverage.

Most beneficiaries have access to $0 premium HMO plans.

Best for low income or health conditions: Medicare Advantage D-SNP

Special Needs Plans, also known as SNPs, are reserved for beneficiaries with qualifying disabilities or financial limitations. Each plan focuses on chronic health conditions like end-stage renal disease, cancer, or diabetes. Low-income plans require beneficiaries to meet strict income qualifications before enrolling.

SNPs offer specialized benefits designed to help beneficiaries manage their chronic health conditions. HMO and PPO plans are available, but they aren't all available in every service area.

Beneficiaries can use Medicaid in addition to their Medicare Advantage plan. That's the best way to minimize or eliminate out-of-pocket costs.

Nevada Enrollment Facts:

  • About 215,000 beneficiaries enrolled in Medicare Advantage plans. This coverage is valuable for beneficiaries worried about coinsurance, deductibles, copayments, and other out-of-pocket costs that may get out of control with Original Medicare.
  • Overall, about 39% of Medicare beneficiaries in Nevada have signed up for a MA plan. The percentage nationwide is about 42%.

How much does Medicare Advantage in Nevada cost?

The average monthly premium for a Medicare Advantage Prescription Drug Plan (MAPD) in Nevada was less than $12 per month. Compared to $20 or more in many other states, Nevada is one of the more affordable Medicare coverage.

All Nevada counties offer $0 premium HMO plans, and most offer $0 premium PPO plans. In addition to the monthly premium, beneficiaries enrolled in Advantage health plans may have some out-of-pocket costs, including:

  • Part B premium
  • Plan deductibles
  • Copays for doctor visits
  • Out-of-network charges

The standard monthly Medicare Part B premium for 2022 is $170.10. The annual Part B deducible for 2022 is $233.

Some Medicare Advantage plans cover the premium for Part B at least partially. Not all plans have deductibles, and most copayments are affordable when required. Out-of-network charges are avoidable by sticking to network providers if possible.

How much do Advantage Plans cost in Nevada?

PPO Plan $0.00 to $12.00

HMO Plan $0.00

When can I enroll in a Medicare Advantage plan?

Initial Enrollment Period

Every Nevada beneficiary's initial enrollment period serves as their first chance to select a Medicare Advantage plan. It starts three months before the month the beneficiary turns 65 and ends three months after their 65th birthday month. That gives every beneficiary seven months to act on their eligibility for Original Medicare and Advantage plans.

Open Enrollment Period – AKA Annual Election Period

From October 15 to December 7, every year, beneficiaries have the opportunity to join a Medicare Advantage plan or make changes to their existing policies.

Medicare Advantage Open Enrollment Period

From January 1 to March 31 each year, beneficiaries enrolled in Medicare Part C can switch plans or move back to Original Medicare.

Special Enrollment Periods – Special Circumstances

Beneficiaries experiencing particular life circumstances may qualify for a special enrollment period at any time of the year. One of the most common qualifications is moving out of the service area for a plan with a small regional provider network.

5-star Special Enrollment Period

If you're enrolled in a Nevada Medicare Advantage plan and want to switch to a 5-star plan offered in your area, you can do so one time between December 8 and November 30. This special enrollment period is limited to beneficiaries already enrolled in Medicare Part C going to 5-star plans.

Special Enrollment Periods if you get "Extra Help."

Beneficiaries receiving Medicare's Extra Help have more opportunities to switch, join, and drop Medicare Advantage plans. They can make changes one time during each of the following periods:

  • January – March
  • April – June
  • July – September

Those qualified for Medicare and Medicaid can make one change to their Medicare Advantage or Part D plan annually during each of these periods. Medicare beneficiaries receiving Extra Help for prescription drug coverage can only change their Part D prescription drug plans.

Medicare Advantage Highlights:

  • Medicare Advantage plans enhance the coverage provided by Original Medicare.
  • Every plan is required to include all of the coverage offered by Medicare Part A and Medicare Part B.
  • Private insurance companies administer Medicare Advantage plans.
  • Provide additional coverage like prescription drug plans, fitness center memberships, and routine vision, dental, and hearing services.
  • Medicare Part C is growing in popularity throughout Nevada.
  • More beneficiaries combine their medical and wellness benefits in one plan due to the cost savings and convenience.
  • The standard monthly Medicare Part B premium for 2023 is $164.90.
  • The annual Part B deducible for 2023 is $226.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medicare Advantage options and help them go through the process of reviewing and comparing plans. We work with most of the nation's top-rated Medicare Advantage carriers. Call us today, or request a quote online to learn more about plan options.

Need Help?

Call to speak with a licensed insurance agent now.

(888) 414-4547

Or enter your zip code to shop online

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Get Quote