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 the perfect healthcare coverage in this historic Nevada community.
Boulder City Medicare Overview 2026
Boulder City, Nevada's historic community with approximately 16,000 residents, offers unique Medicare options for 2026. As the only city in Nevada that prohibits gambling, Boulder City maintains its small-town charm while providing access to comprehensive healthcare options through its proximity to Las Vegas and Henderson medical facilities.
2026 Boulder City Medicare Key Facts
- Medicare Part A Deductible: $1,720 (2026)
- Medicare Part B Premium: $190.00/month (2026)
- Medicare Part B Deductible: $270 annually (2026)
- Available Medicare Advantage Plans: 18+ options (shared with Clark County)
- 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's Medicare landscape for 2026 benefits from Clark County's robust healthcare infrastructure while maintaining local community healthcare services. Residents enjoy the advantages of small-town healthcare combined with access to Las Vegas's major medical centers just 30 minutes away.
Medicare Advantage Plans Available
Boulder City residents, as part of Clark County, have access to the same comprehensive Medicare Advantage plans available throughout the Las Vegas metropolitan area. These plans offer integrated healthcare coverage with additional benefits beyond Original Medicare.
Humana
Plan Types: HMO, PPO
Monthly Premium: $0 - $89
Maximum Out-of-Pocket: $3,900 - $7,550
Boulder City Benefits: Transportation, wellness programs
UnitedHealthcare
Plan Types: HMO, PPO
Monthly Premium: $0 - $95
Maximum Out-of-Pocket: $4,200 - $7,550
Boulder City Benefits: UCard, telehealth, dental/vision
Anthem Blue Cross
Plan Types: HMO, PPO
Monthly Premium: $0 - $75
Maximum Out-of-Pocket: $4,500 - $6,900
Boulder City Benefits: Comprehensive network access
Aetna Better Health
Plan Types: HMO, PPO
Monthly Premium: $0 - $69
Maximum Out-of-Pocket: $3,500 - $6,700
Boulder City Benefits: Chronic care management, wellness
Health Plan of Nevada
Plan Types: HMO, PPO
Monthly Premium: $0 - $85
Maximum Out-of-Pocket: $4,000 - $7,200
Boulder City Benefits: Local Nevada focus, community programs
Silver Summit
Plan Types: HMO
Monthly Premium: $0 - $55
Maximum Out-of-Pocket: $3,900 - $6,500
Boulder City Benefits: Regional approach, value pricing
Boulder City Medicare Advantage Advantages
Geographic Benefits
- • Access to Las Vegas medical centers
- • Henderson hospital networks included
- • Boulder City Hospital in most networks
- • Emergency care covered statewide
Community Benefits
- • Transportation to Las Vegas specialists
- • Small-town personalized care
- • Senior-friendly community programs
- • Recreation center wellness benefits
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 | Monthly Premium (Age 65) | Key Benefits | Best For |
|---|---|---|---|
| Plan A | $85 - $125 | Basic coverage | Budget-conscious seniors |
| Plan G | $125 - $185 | Comprehensive coverage | Most popular choice |
| Plan N | $95 - $145 | Good coverage with copays | Value-focused seniors |
| Plan F | N/A | Not available (new enrollees) | Existing enrollees only |
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.
- • $20 doctor office visit copay
- • $50 emergency room copay
- • Part B excess charges not covered
- • Excellent value for most seniors
- • Good for Boulder City lifestyle
Nevada Benefits
Nevada's consumer protections enhance Medigap value.
- • 60-day birthday rule
- • Switch plans without underwriting
- • Strong insurance regulations
- • Competitive pricing market
- • Consumer protection division
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. Both Medicare Advantage and Medigap plans provide excellent coverage options for local and regional care.
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
Boulder City Family Medical
Local primary care physicians
Family medicine, internal medicine, and preventive care services
Boulder City Urgent Care
Non-emergency medical needs
Walk-in clinic for minor injuries, illnesses, and routine care
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, Sunrise Hospital, Valley Hospital - Level I trauma and specialized 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: 30-minute access to world-class medical facilities and subspecialists
- • Transportation: Many Medicare Advantage plans include transportation benefits for medical appointments
- • Network Coverage: Most plans include all regional facilities in their provider networks
- • 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 $590 in 2026)
Initial Coverage
You pay copays/coinsurance until total drug costs reach $5,280
Coverage Gap ("Donut Hole")
You pay 25% for brand-name and generic drugs
Catastrophic Coverage
You pay minimal amounts after $8,550 total out-of-pocket
Boulder City Pharmacy Options
Local Pharmacies
- • Boulder City Pharmacy - Local independent pharmacy
- • CVS Pharmacy - National chain with local presence
- • Smith's Pharmacy - Grocery store pharmacy
Nearby Options (Henderson)
- • Walgreens - Multiple Henderson locations
- • Walmart Pharmacy - Competitive pricing
- • Costco Pharmacy - Membership warehouse pricing
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
Boulder City Senior Center
813 Arizona St, Boulder City, NV 89005
Medicare education and community programs
City of Boulder City
(702) 293-9282
Senior services and support programs
Regional Support
Nevada SHIP Program
(702) 486-3545
Free Medicare counseling and assistance
Henderson Senior Center
27 E Texas Ave, Henderson, NV
Medicare seminars and counseling (nearby)
Medicare Cost Analysis 2026
Understanding the total cost of Medicare coverage helps Boulder City residents choose the most cost-effective plan for their individual healthcare needs and budget.
| Coverage Type | Monthly Premium | Annual Deductible | Out-of-Pocket Max |
|---|---|---|---|
| Medicare Advantage ($0 premium) | $190 (Part B only) | $0 - $500 | $3,500 - $7,550 |
| Original Medicare + Plan G | $315 - $375 | $270 (Part B only) | Very low |
| Original Medicare + Plan N | $285 - $335 | $270 (Part B only) | Copays only |
| Original Medicare only | $190 (Part B) | $1,990 total | 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
813 Arizona St, Boulder City, NV 89005
(702) 293-9256
Medicare education programs, senior activities, and community support
Boulder City Hospital
901 Adams Blvd, Boulder City, NV 89005
(702) 293-4111
Local healthcare provider information and Medicare acceptance
City of Boulder City
(702) 293-9282
Senior services, community programs, and resource referrals
Regional Support
Nevada SHIP Program
Las Vegas Office: (702) 486-3545
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: (702) 486-3545
Medicaid: (800) 992-0900
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 Senior Center: (702) 293-9256
Boulder City Medicare FAQs
Q: What Medicare plans are available in Boulder City for 2026?
Boulder City residents have access to 18+ Medicare Advantage plans and all 10 standardized Medigap plans. 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?
Yes, Boulder City Hospital accepts Original Medicare and most Medicare Advantage plans. As a Critical Access Hospital, it provides emergency care and basic medical services for Boulder City residents.
Q: Can I see specialists in Las Vegas with my Boulder City Medicare plan?
Yes, most Medicare plans in Boulder City include Las Vegas and Henderson providers in their networks. This gives you access to major medical centers and specialists about 30 minutes away.
Q: Are there transportation benefits for medical appointments?
Many Medicare Advantage plans offer transportation benefits, 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?
Visit the Boulder City Senior Center, call Nevada SHIP at (702) 486-3545 for free counseling, or attend Medicare education seminars held in the community.
Ready to Find Your Perfect Boulder City Medicare Plan?
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