Henderson Nevada Medicare & Medigap Plans 2026 Guide
Your complete guide to Medicare and Medigap insurance options in Henderson, Nevada for 2026. Compare plans, understand costs, and find the perfect coverage for your healthcare needs.
Henderson Medicare Overview 2026
Henderson, Nevada's second-largest city with over 320,000 residents, offers excellent Medicare options for 2026. As part of Clark County, Henderson Medicare beneficiaries have access to comprehensive healthcare networks, competitive plan pricing, and Nevada's unique consumer protections.
2026 Henderson 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 Medigap Plans: A, B, C, D, F, G, K, L, M, N
- Henderson ZIP Codes: 89002, 89011, 89012, 89014, 89015, 89044, 89052
- Major Healthcare Systems: St. Rose Dominican, Henderson Hospital
Henderson's Medicare landscape for 2026 features expanded plan options, competitive pricing from top-rated insurers, and excellent access to specialized care. The city's proximity to Las Vegas healthcare facilities provides additional options while maintaining local community-focused care.
Medigap Plans Available in Henderson
Henderson residents have access to all standardized Medigap plans for 2026. These Medicare Supplement insurance plans help cover costs that Original Medicare doesn't pay, including copayments, coinsurance, and deductibles.
| Plan | Part A Deductible | Part B Deductible | Part B Coinsurance | Best For |
|---|---|---|---|---|
| Plan A | ✓ Covers | ✗ No | ✓ Covers | Basic coverage |
| Plan G | ✓ Covers | ✗ No | ✓ Covers | Most popular |
| Plan N | ✓ Covers | ✗ No | Partial | Cost-effective |
Most Popular Henderson Medigap Plans
Plan G
Comprehensive coverage with predictable costs. Covers everything except the Part B deductible.
- • Part A deductible covered
- • Part B coinsurance covered
- • Foreign travel emergency
- • No network restrictions
Plan N
Lower premiums with small copays for doctor visits and emergency room.
- • $20 doctor visit copay
- • $50 emergency room copay
- • Part B excess charges not covered
- • Great value option
Plan A
Basic coverage at the lowest premium cost for budget-conscious seniors.
- • Part A hospital coverage
- • Part B coinsurance
- • Blood coverage
- • Most affordable option
2026 Plan Costs & Premium Comparison
Henderson Medigap plan costs for 2026 reflect Nevada's competitive insurance market. Premiums vary by age, gender, tobacco use, and insurance company, but Henderson typically offers rates 5-10% lower than Las Vegas due to the suburban setting.
Henderson 2026 Average Monthly Premiums (Age 65)
Most Popular Plans
- Plan G: $125 - $185/month
- Plan N: $95 - $145/month
- Plan A: $85 - $125/month
Additional Plans
- Plan B: $110 - $160/month
- Plan D: $140 - $195/month
- Plan K: $65 - $95/month
Cost Factors in Henderson
Age Rating
Nevada uses attained-age rating, meaning premiums increase as you age. Henderson rates are typically competitive across all age groups.
Gender Pricing
Most insurers in Nevada use unisex pricing, meaning men and women pay the same rates for identical coverage.
Household Discounts
Many Henderson insurers offer discounts when both spouses enroll, potentially saving 5-12% on combined premiums.
Henderson Healthcare Providers
Henderson offers excellent healthcare access with major hospital systems, specialty care centers, and comprehensive medical services. Medigap plans work with any provider that accepts Medicare, giving you freedom to choose your healthcare team.
Major Hospitals
St. Rose Dominican Hospital - Siena Campus
3001 St Rose Pkwy, Henderson, NV 89052
Full-service acute care hospital with emergency services, surgery, and specialty care.
Henderson Hospital
1050 W Galleria Dr, Henderson, NV 89011
Comprehensive medical center with advanced technology and specialized services.
Specialty Care Centers
Comprehensive Cancer Centers
Multiple oncology centers providing advanced cancer treatment and support services.
Heart & Vascular Centers
Specialized cardiac care with catheterization labs and cardiovascular surgery.
Orthopedic & Sports Medicine
Comprehensive bone and joint care with rehabilitation services.
Henderson Medical Networks
With Medigap insurance, you have access to any doctor or hospital that accepts Medicare - which includes virtually all Henderson healthcare providers. This gives you maximum flexibility in choosing your healthcare team without network restrictions.
Medicare Enrollment Periods
Understanding Medicare enrollment periods is crucial for Henderson residents. Missing enrollment deadlines can result in penalties and coverage gaps.
Medigap Open Enrollment Period
When: 6 months starting the first day of the month you turn 65 AND are enrolled in Medicare Part B
- • Guaranteed issue rights - no medical underwriting
- • Cannot be denied coverage due to health conditions
- • Cannot be charged higher premiums due to health
- • Best time to enroll in any Medigap plan
Annual Open Enrollment
When: October 15 - December 7, 2025 (for 2026 coverage)
- • Change Medicare Advantage plans
- • Switch from Medicare Advantage to Original Medicare
- • Add or drop Medicare Part D prescription drug coverage
- • Does NOT apply to Medigap plans
Special Enrollment Periods
When: Triggered by qualifying life events
- • Moving outside your plan's service area
- • Losing employer or union coverage
- • Qualifying for Extra Help with prescription costs
- • Plan changes or cancellations
Nevada's 60-Day Birthday Rule
Nevada has a unique consumer protection called the "60-Day Birthday Rule" that provides Henderson residents with additional opportunities to change Medigap plans without medical underwriting.
How the Birthday Rule Works
Eligibility: Available 30 days before and 30 days after your birthday each year
Options: Switch to the same plan level or lower with any insurance company
Protection: No medical underwriting or pre-existing condition exclusions
Restriction: Cannot upgrade to a more comprehensive plan using this rule
Birthday Rule Examples
✓ Allowed Switches
- • Plan G to Plan G (different company)
- • Plan G to Plan N (less comprehensive)
- • Plan N to Plan A (basic coverage)
- • Same plan with better pricing
✗ Not Allowed
- • Plan N to Plan G (more comprehensive)
- • Plan A to Plan C (more benefits)
- • Adding benefits not currently covered
- • Switching during non-birthday periods
The birthday rule is particularly valuable for Henderson residents who want to switch insurance companies for better customer service, lower premiums, or other preferences while maintaining the same level of coverage.
Choosing the Right Plan for You
Selecting the best Medigap plan for your Henderson lifestyle requires considering your health needs, budget, travel patterns, and preferred healthcare providers.
Plan Selection Decision Tree
If you want comprehensive coverage with predictable costs:
Choose Plan G - covers everything except the Part B deductible
If you want good coverage with lower premiums:
Choose Plan N - small copays but significant premium savings
If you want basic coverage at lowest cost:
Choose Plan A - covers hospital deductible and Part B coinsurance
Henderson-Specific Considerations
Healthcare Access
- • Excellent local hospital systems
- • Access to Las Vegas specialists
- • Strong primary care network
- • Multiple urgent care options
Cost Considerations
- • Competitive premium rates
- • Lower costs than Las Vegas
- • Multiple insurer options
- • Household discount opportunities
Henderson Local Resources & Assistance
Henderson residents have access to numerous local resources for Medicare assistance, including government programs, non-profit organizations, and community support services.
Government Resources
Nevada SHIP Program
Las Vegas Office: (702) 486-3545
Free, unbiased Medicare counseling and assistance
Social Security Administration
Henderson Office: (800) 772-1213
Medicare enrollment and benefit information
Community Resources
Henderson Senior Center
27 E Texas Ave, Henderson, NV 89015
Medicare education seminars and counseling services
City of Henderson
(702) 267-2323
Senior services and Medicare assistance programs
Important Phone Numbers for Henderson Residents
Medicare: 1-800-MEDICARE (633-4227)
Nevada SHIP: (702) 486-3545
Medicaid: (800) 992-0900
Social Security: (800) 772-1213
Nevada Division of Insurance: (775) 687-0700
Henderson City Hall: (702) 267-2323
Henderson Medicare FAQs
Q: What Medigap plans are available in Henderson, Nevada?
Henderson residents have access to all 10 standardized Medigap plans (A, B, C, D, F, G, K, L, M, N). Plans G and N are the most popular due to their comprehensive coverage and competitive pricing.
Q: How much do Medigap plans cost in Henderson?
For a 65-year-old in Henderson, Plan G typically costs $125-$185/month, Plan N costs $95-$145/month, and Plan A costs $85-$125/month. Costs increase with age and vary by insurance company.
Q: Can I use my Medigap plan with any doctor in Henderson?
Yes! Medigap plans work with any healthcare provider that accepts Medicare, including all major Henderson hospitals and medical practices. There are no network restrictions.
Q: What is Nevada's birthday rule for Medigap plans?
Nevada's birthday rule allows you to switch Medigap plans without medical underwriting during a 60-day period around your birthday each year. You can switch to the same plan level or lower with any insurance company.
Q: When is the best time to buy Medigap insurance?
The best time is during your Medigap Open Enrollment Period - the 6 months starting when you turn 65 and are enrolled in Medicare Part B. During this time, you have guaranteed issue rights and cannot be denied coverage.
Q: Do I need both Medicare Advantage and Medigap?
No, you cannot have both. You have Original Medicare + Medigap OR Medicare Advantage. Each has different benefits and costs. Medigap gives you more provider choice, while Medicare Advantage often includes prescription drug coverage.
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