Boulder City Nevada Medicare & Medigap Guide 2026
Your complete guide to Medicare and Medigap options in Boulder City, Nevada for 2026. Compare plans, understand costs, and find coverage that fits you in this historic Nevada community.
Boulder City Medicare Overview 2026
Boulder City is a historic small town in Clark County, close to the hospitals and doctors of Henderson and Las Vegas. As part of Clark County, Boulder City residents can choose from the same 2026 Medicare plans as the rest of the county.
2026 Boulder City Medicare Key Facts
- Medicare Part A Deductible: $1,736 (2026)
- Medicare Part B Premium: $202.90/month (2026)
- Medicare Part B Deductible: $283 annually (2026)
- Medicare Advantage Plans in Clark County: 74, including Special Needs Plans (CMS, 2026)
- Available Medigap Plans: All 10 standardized plans (A, B, C, D, F, G, K, L, M, N)
- Boulder City ZIP Code: 89005
- Primary Healthcare: Boulder City Hospital, Las Vegas access
Boulder City has its own hospital, and the larger medical centers of Henderson and Las Vegas are a short drive away.
Medicare Advantage Plans Available
Boulder City residents, as part of Clark County, can choose from the same Medicare Advantage plans offered throughout the Las Vegas area. In 2026, 74 Medicare Advantage plans, including Special Needs Plans, are offered in Clark County (CMS, 2026). The organizations below are among those offering them. Premiums, out-of-pocket limits and extra benefits differ from plan to plan, so check each plan's Summary of Benefits and provider directory.
Humana
Offers Medicare Advantage plans in Clark County in 2026 (CMS 2026 landscape).
UnitedHealthcare
Offers Medicare Advantage plans in Clark County in 2026 (CMS 2026 landscape).
Anthem Blue Cross and Blue Shield
Offers Medicare Advantage plans in Clark County in 2026 (CMS 2026 landscape).
Aetna Medicare
Offers Medicare Advantage plans in Clark County in 2026 (CMS 2026 landscape).
Kaiser Permanente (Senior Care Plus plans)
Offers Medicare Advantage plans in Clark County in 2026 (CMS 2026 landscape).
Wellcare
Offers Medicare Advantage plans in Clark County in 2026 (CMS 2026 landscape).
Boulder City Medicare Advantage Advantages
Geographic Benefits
- • Access to Las Vegas medical centers
- • Henderson hospital networks included
- • Check that Boulder City Hospital is in the plan's network
- • Emergency care covered anywhere in the U.S.
Community Benefits
- • Some plans offer rides to medical appointments
- • Some plans include fitness benefits
- • Some plans include dental, vision and hearing benefits
- • Extra benefits differ by plan
Medigap Supplement Coverage
Boulder City residents who prefer Original Medicare with additional coverage can choose from all 10 standardized Medigap plans. These Medicare Supplement plans help cover costs that Original Medicare doesn't pay.
| Plan | Estimated Monthly Premium (Age 65) | Key Benefits | Best For |
|---|---|---|---|
| Plan A | $85 - $125 | Basic coverage | Budget-conscious seniors |
| Plan G | $125 - $185 | Comprehensive coverage | People who want broad coverage |
| Plan N | $95 - $145 | Good coverage with copays | Value-focused seniors |
| Plan F | N/A | Not available (new enrollees) | Existing enrollees only |
Premiums shown are estimates. Actual premiums vary by insurer, age and ZIP code; ask insurers for quotes.
Boulder City Medigap Considerations
Plan G Benefits
Most comprehensive Medigap coverage available to new Medicare beneficiaries.
- • Part A hospital deductible covered
- • Part B coinsurance covered
- • Foreign travel emergency coverage
- • Use any Medicare provider
- • Guaranteed renewable
Plan N Value
Lower premiums with small copays for certain services.
- • Up to $20 copay for some office visits
- • Up to $50 emergency room copay (waived if admitted)
- • Part B excess charges not covered
- • Premium is often lower than Plan G
- • Compare quotes from several insurers
Nevada Benefits
Nevada's consumer protections enhance Medigap value.
- • Birthday rule: at least 60 days each year, starting the first day of your birthday month (NRS 687B.352)
- • Switch to a Medigap plan with the same or fewer benefits without medical underwriting
- • Medigap plans are standardized
- • Prices vary by insurer, so compare
- • Nevada Division of Insurance oversees insurers
Boulder City Healthcare Facilities
Boulder City provides local healthcare services while offering convenient access to the extensive medical facilities in nearby Las Vegas and Henderson. Check that the doctors and hospitals you use are covered by any plan you consider.
Boulder City Local Healthcare
Boulder City Hospital
901 Adams Blvd, Boulder City, NV 89005
Critical Access Hospital providing emergency care, diagnostic services, and basic medical care
Primary Care
Local primary care doctors
Family medicine, internal medicine, and preventive care services
Urgent Care
Non-emergency medical needs
Urgent care in Boulder City and nearby Henderson for minor injuries and illnesses
Regional Medical Access
Henderson Hospitals (15 minutes)
St. Rose Dominican Hospital, Henderson Hospital - full-service facilities with specialty care
Las Vegas Medical Centers (30 minutes)
University Medical Center (Level I trauma center), Sunrise Hospital, Valley Hospital - full-service hospitals with specialty care
Specialty Services
Cancer centers, cardiac care, orthopedics, neurology - comprehensive specialty care available
Healthcare Access Advantages for Boulder City Residents
- • Local Care: Boulder City Hospital provides immediate emergency and basic medical services
- • Henderson Access: 15-minute drive to comprehensive hospital services and specialists
- • Las Vegas Specialists: About 30 minutes to large hospitals and specialists
- • Transportation: Some Medicare Advantage plans include rides to medical appointments
- • Network Coverage: Networks differ by plan, so check that your doctors and hospitals are included
- • Emergency Care: Covered at any facility nationwide under both Medicare Advantage and Medigap plans
Prescription Drug Coverage Options
Boulder City residents need prescription drug coverage through either Medicare Advantage plans (which typically include Part D) or standalone Medicare Part D plans if they choose Original Medicare with Medigap.
2026 Part D Coverage Phases
Deductible Phase
You pay full drug costs until reaching deductible (up to $615 in 2026)
Initial Coverage
You pay copays/coinsurance (25% in the standard benefit) until your out-of-pocket costs reach $2,100
Catastrophic Coverage
You pay $0 for covered drugs for the rest of 2026 after $2,100 out-of-pocket (the coverage gap ended in 2025)
Boulder City Pharmacy Options
Local Pharmacies
- • Use your plan's pharmacy finder to see Boulder City pharmacies in its network
- • Some plans have preferred pharmacies with lower copays
Nearby Options (Henderson)
- • Chain, grocery-store and warehouse-store pharmacies in Henderson
- • Check that the pharmacy is in your plan's network
Delivery Services
- • Mail-order pharmacy through your plan
- • Local pharmacy delivery services
- • Online pharmacy options
Prescription Cost-Saving Tips for Boulder City Residents
- • Plan Selection: Compare formularies to ensure your medications are covered at the lowest tier
- • Pharmacy Choice: Some plans offer preferred pharmacy networks with lower copays
- • Generic Options: Ask your doctor about generic alternatives when available
- • Mail Order: Use 90-day mail-order options for maintenance medications to save money
- • Extra Help: Apply for Medicare's Extra Help program if you have limited income
- • Manufacturer Programs: Look into patient assistance programs for expensive brand-name drugs
Enrollment Periods & Local Help
Understanding Medicare enrollment periods and getting local assistance ensures Boulder City residents make informed decisions about their healthcare coverage for 2026.
Annual Open Enrollment
When: October 15 - December 7, 2025 (for 2026 coverage)
- • Switch between Medicare Advantage plans
- • Change from Medicare Advantage to Original Medicare + Medigap
- • Add or change Medicare Part D prescription drug coverage
- • Review and update your current plan's benefits and costs
Medicare Advantage Open Enrollment
When: January 1 - March 31, 2026
- • Switch to a different Medicare Advantage plan
- • Drop Medicare Advantage and return to Original Medicare
- • Add Medicare Part D if returning to Original Medicare
- • One opportunity per year for these specific changes
Special Enrollment Periods
When: Throughout the year for qualifying life events
- • Moving outside your plan's service area
- • Losing employer or union health coverage
- • Qualifying for Medicaid or Medicare Savings Programs
- • Your current plan makes significant benefit or cost changes
Boulder City Medicare Assistance
Local Resources
Programs and activities for seniors
City of Boulder City
Senior services and support programs
Regional Support
Nevada SHIP Program
1-800-307-4444
Free Medicare counseling and assistance
Henderson Senior Center
27 E Texas Ave, Henderson, NV
Programs for seniors (nearby)
Medicare Cost Analysis 2026
Understanding the total cost of Medicare coverage helps Boulder City residents choose a plan that fits their healthcare needs and budget.
| Coverage Type | Monthly Premium | Annual Deductible | Out-of-Pocket Max |
|---|---|---|---|
| Medicare Advantage ($0 premium) | $202.90 (Part B only) | Varies by plan | Set by each plan (federal limits apply) |
| Original Medicare + Plan G | $327.90 - $387.90 (est.) | $283 (Part B only) | Very low |
| Original Medicare + Plan N | $297.90 - $347.90 (est.) | $283 (Part B only) | Copays only |
| Original Medicare only | $202.90 (Part B) | $1,736 per benefit period (Part A) + $283 per year (Part B) | Unlimited |
Boulder City Cost Considerations
Medicare Advantage Advantages
- • Often $0 monthly premium beyond Part B
- • Annual out-of-pocket maximum provides cost protection
- • Integrated prescription drug coverage
- • Extra benefits like transportation, dental, vision
- • Good for Boulder City's access to regional care
Medigap Advantages
- • Predictable monthly costs
- • No network restrictions - use any Medicare provider
- • Coverage nationwide for travel
- • No prior authorization requirements
- • Good for frequent travel between Nevada and other states
Local Resources & Support
Boulder City residents have access to local and regional resources for Medicare assistance, ensuring you get the help you need to make informed healthcare decisions.
Boulder City Resources
Boulder City Senior Center
Senior activities and community programs
Boulder City Hospital
901 Adams Blvd, Boulder City, NV 89005
(702) 293-4111
Local healthcare provider information and Medicare acceptance
City of Boulder City
Senior services, community programs, and resource referrals
Regional Support
Nevada SHIP Program
Statewide: 1-800-307-4444
Free, unbiased Medicare counseling and plan comparison assistance
Clark County Social Services
(702) 455-4270
Medicare assistance, Medicaid applications, and support services
Social Security Administration
(800) 772-1213
Medicare enrollment, benefits questions, and Extra Help applications
Essential Phone Numbers for Boulder City Residents
Medicare: 1-800-MEDICARE (633-4227)
Nevada SHIP: 1-800-307-4444
Medicaid: apply at dwss.nv.gov
Extra Help: 1-800-MEDICARE
Social Security: (800) 772-1213
Nevada Division of Insurance: (775) 687-0700
Boulder City Hospital: (702) 293-4111
Boulder City Medicare FAQs
Q: What Medicare plans are available in Boulder City for 2026?
In 2026, 74 Medicare Advantage plans, including Special Needs Plans, are offered in Clark County (CMS, 2026), and all 10 standardized Medigap plans are sold in Nevada. As part of Clark County, you have the same plan options as Las Vegas and Henderson residents.
Q: Does Boulder City Hospital accept Medicare plans?
Boulder City Hospital is a Critical Access Hospital that provides emergency care and basic medical services. Medicare Advantage networks differ by plan, so check with the plan or the hospital before you enroll.
Q: Can I see specialists in Las Vegas with my Boulder City Medicare plan?
With Original Medicare (and Medigap), you can see any doctor in the U.S. who accepts Medicare. Medicare Advantage plans have networks, so check that the Las Vegas and Henderson specialists you want are in the plan's network.
Q: Are there transportation benefits for medical appointments?
Some Medicare Advantage plans offer rides to medical appointments, which can be helpful for Boulder City residents traveling to Las Vegas or Henderson for specialist appointments.
Q: What's the best Medicare plan for Boulder City residents?
The best plan depends on your individual needs, preferred doctors, medications, and budget. Consider whether you want local Boulder City care or prefer access to the full Las Vegas medical network.
Q: Where can I get help choosing a Medicare plan in Boulder City?
Call Nevada SHIP at 1-800-307-4444 for free, unbiased counseling, or use Medicare.gov's Plan Finder to compare plans.
Ready to Find a Boulder City Medicare Plan?
For free, unbiased counseling, contact Nevada SHIP. To get help comparing plans, answer a few questions; with your consent, your answers go to licensed agents who may contact you. There is no obligation.