Your Complete Las Vegas Medicare Guide for 2026
Las Vegas seniors have more Medicare options than ever before in 2026. With over 285,000 Medicare beneficiaries in Clark County, understanding your healthcare choices is crucial for getting the best coverage at the right price. This comprehensive guide covers everything Las Vegas residents need to know about Medicare for 2026, including updated costs, new plan options, and local resources throughout the valley.
Key 2026 Medicare Updates for Las Vegas
- • Part B premium: $190/month (estimated)
- • Part B deductible: $270 (estimated)
- • Part A deductible: $1,720 per benefit period (estimated)
- • Part D out-of-pocket cap: $2,000 maximum
- • Over 40 Medicare Advantage plans available in Las Vegas
- • Enhanced telehealth benefits now permanent
Whether you're turning 65, new to Las Vegas, or reviewing your current coverage, this guide addresses the unique aspects of Medicare in America's Entertainment Capital, from the Strip to Summerlin to Henderson.
2026 Medicare Enrollment Periods for Las Vegas Residents
Annual Enrollment Period (AEP)
October 15 - December 7, 2025 (for 2026 coverage)
During this period, Las Vegas residents can:
- • Switch between Original Medicare and Medicare Advantage
- • Change Medicare Advantage plans
- • Add, drop, or change Part D prescription coverage
- • Changes become effective January 1, 2026
Medicare Advantage Open Enrollment
January 1 - March 31, 2026
Current Medicare Advantage members can make one change during this period.
Initial Enrollment Period
Your 7-month window around your 65th birthday. Missing this can result in lifetime penalties.
Special Enrollment Periods
Las Vegas residents may qualify for special enrollment if they:
- • Move within Las Vegas or to/from Las Vegas
- • Lose employer coverage (including casino industry benefits)
- • Qualify for Nevada Medicaid or Extra Help
- • Experience certain life events
Medicare Advantage Plans in Las Vegas (2026)
Las Vegas offers one of the most competitive Medicare Advantage markets in the country, with over 40 plans from major insurers.
Top Medicare Advantage Insurers in Las Vegas
Humana Medicare Advantage
- • Plans Available: 8 plans in Las Vegas
- • Premium Range: $0-65/month
- • Star Ratings: 4.0-4.5 stars
- • Key Benefits: $4,000 dental, SilverSneakers, meal delivery
- • Network: Strong Las Vegas provider coverage
UnitedHealthcare/AARP
- • Plans Available: 10 plans including dual-eligible
- • Premium Range: $0-75/month
- • Star Ratings: 4.0-4.5 stars
- • Key Benefits: Renew Active fitness, $0 PCP visits
- • Network: Comprehensive Las Vegas coverage
Anthem Blue Cross Blue Shield
- • Plans Available: 6 plans in Clark County
- • Premium Range: $0-45/month
- • Star Ratings: 3.5-4.0 stars
- • Key Benefits: LiveHealth Online, gym membership
- • Network: Strong local Nevada presence
Health Plan of Nevada (HPN)
- • Plans Available: 4 plans focused on Las Vegas
- • Premium Range: $0-35/month
- • Star Ratings: 4.0 stars
- • Key Benefits: Local provider focus, transportation
- • Network: Deep Las Vegas relationships
2026 Medicare Advantage Benefits in Las Vegas
- • Dental Coverage: Up to $6,000 annual benefit
- • Vision Care: $400-600 eyewear allowance
- • Hearing Aids: $2,000-4,000 coverage
- • Fitness Benefits: Gym memberships, home equipment
- • Transportation: 48+ one-way trips annually
- • OTC Benefits: $75-200 quarterly allowance
- • Meal Delivery: Post-discharge nutrition support
- • Telehealth: $0 copay virtual visits
Original Medicare + Medigap in Las Vegas (2026)
Many Las Vegas seniors prefer Original Medicare with Medigap for maximum flexibility, especially snowbirds and those who travel frequently.
Why Las Vegas Seniors Choose Medigap
- • Snowbird Freedom: Coverage works nationwide
- • No Networks: See any Medicare provider
- • Specialist Access: No referrals required
- • Predictable Costs: Fixed monthly premiums
- • Travel Coverage: Emergency coverage abroad
Las Vegas Medigap Costs (2026)
| Plan | Age 65 | Age 70 | Age 75 |
|---|---|---|---|
| Plan G | $130-185 | $145-205 | $170-235 |
| Plan N | $100-145 | $110-165 | $130-185 |
| High-Deductible G | $38-55 | $42-62 | $48-70 |
Major Las Vegas Healthcare Systems (2026)
Sunrise Health System
Locations: Sunrise Hospital, MountainView Hospital, Southern Hills Hospital, Centennial Hills Hospital
Specialties: Comprehensive services, trauma care, cardiac care
Medicare Coverage: Accepts all Medicare Advantage plans and Original Medicare
Valley Health System
Locations: Spring Valley Hospital, Summerlin Hospital, Desert Springs Hospital
Specialties: Advanced surgical services, women's health, emergency care
Medicare Coverage: Wide Medicare Advantage network participation
University Medical Center (UMC)
Location: Downtown Las Vegas
Specialties: Level 1 trauma center, academic medical center
Medicare Coverage: Accepts Original Medicare and most MA plans
St. Rose Dominican Health System
Locations: Rose de Lima (Henderson), San Martín (Las Vegas), Siena (Henderson)
Specialties: Faith-based care, comprehensive services
Medicare Coverage: Broad Medicare acceptance
Part D Prescription Drug Plans in Las Vegas (2026)
Top Part D Plans for Las Vegas Residents
AARP MedicareRx Preferred
- • Premium: $32/month
- • $2,000 out-of-pocket cap
- • Broad formulary
- • Good Las Vegas pharmacy network
Humana Walmart Rx
- • Premium: $15/month
- • $2,000 out-of-pocket cap
- • Walmart preferred network
- • 25+ Walmart locations in Las Vegas
SilverScript Choice
- • Premium: $28/month
- • $2,000 out-of-pocket cap
- • Mail-order benefits
- • CVS/Walgreens network
Las Vegas Pharmacy Networks
- • CVS Pharmacy: 70+ locations valley-wide
- • Walgreens: 90+ locations throughout Las Vegas
- • Smith's Food & Drug: 28 locations with pharmacy
- • Walmart Pharmacy: 25+ locations in Las Vegas area
- • Costco Pharmacy: 8 locations, member-only
- • Albertsons/Sav-on: 40+ pharmacy locations
Medicare by Las Vegas Neighborhood
Summerlin
Healthcare Options: Summerlin Hospital, numerous medical offices
Medicare Advantage: All major plans have strong networks here
ZIP Codes: 89144, 89145, 89146, 89147, 89148, 89149
Senior Resources: Summerlin Hospital Senior Services, community centers
Henderson
Healthcare Options: St. Rose Dominican hospitals, MountainView Hospital
Medicare Advantage: Excellent plan availability and networks
ZIP Codes: 89002, 89011, 89012, 89014, 89015, 89052, 89074
Senior Resources: Henderson Senior Center, recreation programs
Downtown/Central Las Vegas
Healthcare Options: UMC, various specialty clinics
Medicare Advantage: Good network coverage, some plans focus on urban areas
ZIP Codes: 89101, 89102, 89104, 89106, 89107, 89108
Senior Resources: Las Vegas Senior Center, public transportation access
North Las Vegas
Healthcare Options: North Vista Hospital, community health centers
Medicare Advantage: Plans with transportation benefits popular
ZIP Codes: 89030, 89031, 89032, 89081, 89084, 89085, 89086
Senior Resources: North Las Vegas Senior Center, community programs
Las Vegas Medicare Enrollment Assistance
Nevada SHIP (State Health Insurance Assistance Program)
- • Las Vegas Office: 3320 W. Sahara Ave, Suite 100
- • Phone: (702) 486-3478
- • Statewide Hotline: 1-800-307-4444
- • Services: Free, unbiased Medicare counseling
Social Security Offices in Las Vegas
- • Downtown Las Vegas: 1250 S. Buffalo Dr.
- • Henderson: 1170 Harvard Way
- • North Las Vegas: 4340 Simmons St.
Las Vegas Senior Centers
- • Las Vegas Senior Center: 451 E. Bonanza Rd.
- • Henderson Senior Center: 27 E. Texas Ave.
- • North Las Vegas Senior Center: 2428 N. Martin L. King Blvd.
- • Summerlin: Various community centers offer Medicare help
Special Considerations for Las Vegas Seniors
Casino Industry Retirees
Union Benefits Coordination:
- • Culinary Local 226: Coordinate retiree benefits with Medicare
- • Bartenders Local 165: Understand how benefits work together
- • Gaming Industry: Many casinos offer retiree health benefits
- • Timing: When to transition from employer coverage
Snowbird Considerations
- • Original Medicare + Medigap: Works nationwide
- • Medicare Advantage PPO: Out-of-area coverage available
- • Part D Considerations: Ensure pharmacy access in both locations
- • Plan Changes: Can only change during enrollment periods
Heat-Related Health Considerations
- • Emergency Coverage: Heat stroke and dehydration treatment
- • Air Conditioning: Some plans offer home modifications
- • Preventive Care: Regular hydration and heat safety education
- • Transportation: Important during extreme heat days
Las Vegas Medicare Cost Comparison (2026)
| Coverage Type | Monthly Cost | Annual Maximum | Best For |
|---|---|---|---|
| Medicare Advantage | $190 + $0-75 | $3,000-8,850 | Budget-conscious, local care |
| Original Medicare + Medigap G | $190 + $160 + $30 | $270 (Part B deductible) | Travelers, flexibility seekers |
| Original Medicare + Medigap N | $190 + $120 + $30 | $270 + copays | Healthy seniors, cost-conscious |
Your Las Vegas Medicare Action Plan for 2026
Pre-Enrollment Steps (September-October 2025):
- 1. Review 2025 Coverage: Check your Annual Notice of Change
- 2. List Your Doctors: Verify they're in-network for 2026
- 3. Review Medications: Check formularies for Part D coverage
- 4. Calculate Total Costs: Include premiums, deductibles, copays
- 5. Research Las Vegas Plans: Use Medicare.gov plan finder
During Annual Enrollment (Oct 15 - Dec 7, 2025):
- 1. Attend Local Events: Medicare seminars at Las Vegas senior centers
- 2. Get Free Counseling: Nevada SHIP at (702) 486-3478
- 3. Compare All Options: Don't just look at premiums
- 4. Enroll Early: Don't wait until December 7th
- 5. Confirm Coverage: Verify January 1, 2026 start date
Making the Right Medicare Choice in Las Vegas
Las Vegas offers exceptional Medicare options for 2026, whether you prefer the comprehensive networks and extra benefits of Medicare Advantage or the flexibility and predictable costs of Original Medicare with Medigap. The key is understanding your unique needs as a Las Vegas resident.
Consider your lifestyle: Do you travel frequently or snowbird elsewhere? Are you comfortable with managed care or do you prefer complete provider choice? Do you need extra benefits like dental and vision, or do you prioritize lower costs?
Key Takeaways for Las Vegas Medicare 2026:
- • Las Vegas has over 40 Medicare Advantage plans - shop carefully
- • All major hospital systems accept Medicare and most plans
- • Transportation benefits are valuable in our sprawling valley
- • Heat-related health coverage is important in our desert climate
- • Free help is available through Nevada SHIP
- • Annual Enrollment Period: October 15 - December 7, 2025
Don't navigate Medicare alone. Use the resources available in Las Vegas, from SHIP counselors to senior centers to licensed agents. Your health and financial security depend on making informed decisions about your Medicare coverage.
Take action today. The Medicare landscape changes every year, and 2026 brings new opportunities to optimize your healthcare coverage in Las Vegas.