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2026 UpdatedComplete Guide

Nevada Medigap Plans 2026 Complete Guide

Your comprehensive guide to Medicare Supplement insurance in Nevada for 2026. All 10 Medigap plans explained, costs, benefits, and Nevada's unique consumer protections.

Nevada Medigap Overview 2026

Medigap (Medicare Supplement insurance) provides additional coverage for Nevada residents who choose Original Medicare. These standardized plans help cover costs that Medicare doesn't pay, including copayments, coinsurance, and deductibles, providing predictable healthcare expenses and peace of mind.

2026 Nevada Medigap Key Facts

  • Available Plans: All 10 standardized Medigap plans (A, B, C, D, F, G, K, L, M, N)
  • Medicare Part A Deductible: $1,720 (2026)
  • Medicare Part B Deductible: $270 (2026)
  • Nevada's Unique Benefit: 60-day birthday rule for plan switching
  • Premium Range: $70-$250+ monthly depending on plan and age
  • Insurers in Nevada: 15+ companies offering Medigap plans
  • Open Enrollment: 6 months starting when you turn 65 and enroll in Medicare Part B

Nevada's Medigap market is competitive and well-regulated, offering residents excellent consumer protections and plan options. The state's insurance division ensures fair pricing and reliable coverage, while unique benefits like the birthday rule provide additional flexibility not available in most states.

Why Choose Medigap in Nevada?

Coverage Benefits

  • • No network restrictions - see any Medicare provider
  • • Nationwide coverage for travel
  • • Predictable monthly costs
  • • No prior authorization required
  • • Guaranteed renewable coverage

Nevada Advantages

  • • 60-day birthday rule for plan switching
  • • Strong state insurance regulation
  • • Competitive pricing environment
  • • Multiple insurer options
  • • Consumer protection resources

All 10 Medigap Plans Explained

Medigap plans are standardized by the federal government, meaning Plan A from one company provides the same benefits as Plan A from another company. Here's a comprehensive breakdown of all available plans for Nevada residents in 2026.

PlanPart A DeductiblePart B DeductiblePart B CoinsuranceForeign TravelBest For
Plan ABudget-conscious, basic coverage
Plan BPlan A + skilled nursing coinsurance
Plan CNot available to new enrollees*
Plan DPlan C without Part B deductible
Plan FNot available to new enrollees*
Plan GMost popular choice
Plan K50%50%Low premium, partial coverage
Plan L75%75%Better than K, still partial coverage
Plan M50%Good value option
Plan N✓*Great value option

*Plans C and F are not available to people who became eligible for Medicare on or after January 1, 2020.
**Plan N covers Part B coinsurance except for $20 copay for office visits and $50 copay for emergency room visits.

Most Popular Plans for Nevada Residents

Plan G - Most Comprehensive

Covers everything except the Medicare Part B deductible ($270 in 2026). Most popular choice for new Medicare beneficiaries.

  • Covers: Part A deductible ($1,720)
  • Covers: All Part B coinsurance (20%)
  • Covers: Foreign travel emergency (80% up to $50,000)
  • You Pay: Part B deductible ($270) and monthly premium
  • Nevada Premium: $120-$190/month (age 65)

Plan N - Great Value

Excellent coverage with small copays for doctor visits and emergency room visits. Popular for cost-conscious Nevada seniors.

  • Covers: Part A deductible ($1,720)
  • Covers: Most Part B coinsurance
  • You Pay: $20 doctor visits, $50 ER visits
  • You Pay: Part B deductible ($270) and monthly premium
  • Nevada Premium: $90-$150/month (age 65)

Plan A - Basic Coverage

Essential coverage at the lowest premium cost. Good for healthy seniors who want basic protection.

  • Covers: Part A deductible ($1,720)
  • Covers: All Part B coinsurance (20%)
  • Covers: Blood replacement (first 3 pints)
  • You Pay: Part B deductible ($270) and monthly premium
  • Nevada Premium: $70-$120/month (age 65)

Plan K - Budget Option

Lowest premium option with partial coverage and annual out-of-pocket maximum of $6,940 in 2026.

  • Covers: 50% of Part A deductible
  • Covers: 50% of Part B coinsurance
  • Out-of-Pocket Max: $6,940 annually
  • You Pay: 50% of costs until max, then 100% covered
  • Nevada Premium: $45-$80/month (age 65)

Nevada Medigap Costs & Pricing

Medigap premiums in Nevada vary by insurance company, your age, gender (in some cases), tobacco use, and location within the state. Understanding pricing methods helps Nevada residents choose the most cost-effective coverage.

PlanAge 65 PremiumAge 70 PremiumAge 75 PremiumCoverage Level
Plan A$70 - $120$85 - $145$100 - $170Basic
Plan B$90 - $140$110 - $170$130 - $200Basic Plus
Plan D$110 - $170$135 - $205$160 - $245Comprehensive
Plan G$120 - $190$145 - $230$175 - $275Most Popular
Plan K$45 - $80$55 - $95$65 - $115Budget Option
Plan L$65 - $110$80 - $135$95 - $160Moderate Budget
Plan M$100 - $155$120 - $185$145 - $220Good Value
Plan N$90 - $150$110 - $180$130 - $215Great Value

Nevada Medigap Pricing Methods

Attained-Age Rating

Most common in Nevada - premiums increase as you age.

  • • Lower initial premiums
  • • Increases every year or few years
  • • Most companies use this method
  • • Budget carefully for future increases

Issue-Age Rating

Premium based on age when you first buy - never increases due to age.

  • • Higher initial premiums
  • • No age-related increases
  • • Few Nevada companies use this
  • • Better for long-term planning

Community Rating

Same premium for everyone regardless of age (rare in Nevada).

  • • Same rate for all ages
  • • Younger people pay more initially
  • • Older people pay less initially
  • • Very few Nevada companies use this

Factors Affecting Nevada Medigap Premiums

Cannot Be Used for Pricing

  • • Pre-existing medical conditions
  • • Claims history
  • • Health status
  • • Disability status
  • • Race or national origin

Can Be Used for Pricing

  • • Age (most common factor)
  • • Geographic location in Nevada
  • • Gender (some companies)
  • • Tobacco use (significant discount for non-users)
  • • Household discounts (married couples)

Nevada's Unique Birthday Rule

Nevada has one of the most consumer-friendly Medigap regulations in the country: the 60-day birthday rule. This unique benefit allows Nevada residents to switch Medigap plans without medical underwriting during a specific window each year.

How Nevada's Birthday Rule Works

Time Window: 30 days before your birthday through 30 days after your birthday (60 days total)

Eligibility: Available to anyone who has had their current Medigap plan for at least 6 months

Coverage Options: You can switch to the same plan level or a lower level of coverage

No Medical Underwriting: Insurance companies cannot ask health questions or deny coverage

No Pre-existing Condition Exclusions: Coverage begins immediately with no waiting periods

Birthday Rule Examples

✓ Allowed Birthday Rule Changes

Same Plan, Different Company:

Plan G with Company A → Plan G with Company B (better price or service)

Higher to Lower Coverage:

Plan G → Plan N (less comprehensive, lower premium)

High-Deductible to Standard:

High-Deductible Plan G → Regular Plan G

Comprehensive to Basic:

Plan F → Plan A (existing Plan F holders only)

✗ NOT Allowed Under Birthday Rule

Lower to Higher Coverage:

Plan A → Plan G (more comprehensive coverage)

Adding Benefits:

Plan N → Plan G (adding Part B excess charge coverage)

Standard to High-Deductible:

Regular Plan G → High-Deductible Plan G

Outside Birthday Window:

Any changes outside the 60-day birthday window

Strategic Uses of Nevada's Birthday Rule

  • Premium Shopping: Switch to the same plan with a lower-cost insurance company
  • Service Improvements: Move to a company with better customer service or claims handling
  • Coverage Adjustments: Reduce coverage to lower premiums during economic changes
  • Company Changes: Switch away from a company experiencing financial difficulties
  • Family Changes: Adjust coverage based on changing family financial situations
  • Health Stability: Make changes while healthy, before potential health issues arise

Medigap Enrollment Periods

Understanding Medigap enrollment periods is crucial for Nevada residents to get the best coverage at the most affordable rates. Missing key enrollment windows can result in higher premiums or coverage denials.

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

  • • Cannot be denied coverage for health reasons
  • • Cannot be charged higher premiums due to health
  • • No medical underwriting or health questions
  • • No pre-existing condition waiting periods

Nevada Advantages

  • • Access to all 10 Medigap plans
  • • Competitive pricing from multiple insurers
  • • Strong state insurance regulation
  • • Future birthday rule flexibility

Guaranteed Issue Situations

When: Special circumstances that provide guaranteed issue rights outside of Open Enrollment

Common Nevada Situations

  • • Losing employer or union coverage
  • • Medicare Advantage plan leaving your area
  • • Moving outside your plan's service area
  • • Plan discontinuing or reducing benefits

Time Limits

  • • Usually 63 days from loss of coverage
  • • Limited plan selection (usually Plans A, B, C, F, K, L)
  • • Must act quickly - don't delay
  • • Documentation required for eligibility

Outside Open Enrollment

When: Enrolling in Medigap after your Open Enrollment Period ends

Medical Underwriting

  • • Insurance companies can review your health
  • • May require medical exams or records
  • • Can deny coverage for health reasons
  • • May charge higher premiums

Nevada Options

  • • Some companies may still accept applications
  • • Consider waiting for birthday rule window
  • • Look for guaranteed issue situations
  • • Work with licensed Nevada agent

Important Nevada Enrollment Reminders

  • Don't Delay: Your Medigap Open Enrollment Period only lasts 6 months
  • Start Early: Begin shopping 2-3 months before your enrollment period starts
  • Compare Thoroughly: Get quotes from multiple Nevada insurance companies
  • Consider Future Needs: Choose a plan that will work as you age
  • Use Professional Help: Work with a licensed agent familiar with Nevada regulations
  • Understand Guarantees: Know which enrollment periods provide guaranteed issue rights

Choosing the Right Medigap Plan

Selecting the best Medigap plan for your Nevada lifestyle requires careful consideration of your health needs, budget, travel patterns, and long-term healthcare goals. Here's a comprehensive guide to making the right choice.

Nevada Medigap Plan Selection Process

Step 1: Assess Your Needs

  • □ Current health status and chronic conditions
  • □ Prescription medication needs
  • □ Preferred doctors and hospitals
  • □ Travel frequency (in/out of Nevada)
  • □ Budget for premiums and out-of-pocket costs
  • □ Risk tolerance for unexpected medical expenses

Step 2: Compare Options

  • □ Research plan benefits and coverage gaps
  • □ Get quotes from multiple Nevada insurers
  • □ Compare current and future premium costs
  • □ Check company ratings and financial stability
  • □ Review customer service ratings
  • □ Consider Nevada's birthday rule benefits

Decision Framework by Situation

If you want comprehensive coverage with predictable costs:

Choose Plan G

Covers everything except the Part B deductible ($270). Most popular choice for Nevada residents who want peace of mind and predictable healthcare expenses.

If you want good coverage with lower premiums:

Choose Plan N

Great value with small copays ($20 doctor visits, $50 ER visits). Good for Nevada residents who don't mind small copays for significant premium savings.

If you're on a tight budget but want basic protection:

Choose Plan A or Plan K

Plan A provides essential coverage at lowest cost. Plan K has partial coverage with annual out-of-pocket maximum for extra protection.

If you travel internationally:

Choose Plan G, D, or M

These plans include foreign travel emergency coverage (80% up to $50,000 lifetime), important for Nevada residents who travel abroad.

If you're healthy and want catastrophic protection:

Choose Plan K or L

Low premiums with partial coverage and annual out-of-pocket maximums. Good for healthy Nevada residents who want protection against major expenses.

Nevada Geographic Considerations

  • Urban Areas (Las Vegas, Reno): More insurer options, competitive pricing
  • Rural Areas: Fewer insurers, but same plan benefits nationwide
  • Seasonal Residents: Medigap works nationwide - great for snowbirds
  • Border Residents: Can see doctors in California, Arizona, Utah
  • Travel Considerations: No networks means freedom to choose providers

Long-Term Planning for Nevada Residents

  • Premium Increases: Budget for age-related premium increases
  • Birthday Rule: Remember you can adjust coverage annually
  • Health Changes: Comprehensive plans provide security as you age
  • Financial Changes: Can reduce coverage using birthday rule if needed
  • Technology Changes: Medigap adapts as Medicare benefits evolve

Nevada Medigap Insurance Companies

Nevada has a competitive Medigap market with over 15 insurance companies offering Medicare Supplement plans. Each company offers the same standardized benefits but may differ in pricing, customer service, and additional features.

AARP/UnitedHealthcare

Plans Available: A, B, D, G, K, L, M, N

Membership: AARP membership required ($16/year)

Nevada Strength: Largest Medigap insurer, competitive rates

Special Features: Renew Active fitness program

Anthem Blue Cross

Plans Available: A, B, D, G, K, L, N

Membership: No membership required

Nevada Strength: Strong regional presence

Special Features: Wellness programs, online tools

Mutual of Omaha

Plans Available: A, B, D, G, K, L, N

Membership: No membership required

Nevada Strength: Competitive pricing, good service

Special Features: Household discounts available

Blue Cross Blue Shield

Plans Available: A, B, D, G, N

Membership: No membership required

Nevada Strength: National network, stable company

Special Features: Blue365 wellness discounts

Cigna Healthcare

Plans Available: A, B, G, N

Membership: No membership required

Nevada Strength: Innovative programs, technology focus

Special Features: Health coaching, digital tools

Humana

Plans Available: A, B, D, G, N

Membership: No membership required

Nevada Strength: Strong customer service

Special Features: Go365 wellness rewards program

How to Choose Between Nevada Medigap Companies

Key Comparison Factors

Financial Factors
  • • Current premium rates
  • • Historical rate increase patterns
  • • Financial strength ratings (A.M. Best, S&P)
  • • Household or multi-policy discounts
  • • Payment options and discounts
Service Factors
  • • Customer service ratings and reviews
  • • Claims processing speed and accuracy
  • • Online account management tools
  • • Additional wellness benefits
  • • Local agent availability in Nevada

Medigap vs Medicare Advantage

Nevada residents must choose between Original Medicare + Medigap or Medicare Advantage. You cannot have both. Understanding the key differences helps you make the right choice for your healthcare needs and lifestyle.

FeatureMedigapMedicare Advantage
Monthly Cost$190 (Part B) + $70-$250 (Medigap)$190 (Part B) + $0-$100 (Plan)
Provider NetworksAny Medicare providerPlan network only
Prescription DrugsNeed separate Part D planUsually included
Out-of-Pocket MaximumNo limit (Original Medicare)$3,500 - $7,550 annually
Prior AuthorizationNot requiredMay be required
Extra BenefitsNone (except foreign travel)Dental, vision, wellness
Travel CoverageNationwide + foreign emergencyEmergency only outside area
Plan ChangesLimited (birthday rule in Nevada)Annual Open Enrollment

Which Is Right for Nevada Residents?

Choose Medigap If You...

  • • Want to see any doctor who accepts Medicare
  • • Travel frequently (within or outside Nevada)
  • • Prefer predictable healthcare costs
  • • Have complex health conditions requiring specialists
  • • Want to avoid prior authorization requirements
  • • Are comfortable with higher monthly premiums for more freedom
  • • Value Nevada's birthday rule flexibility

Choose Medicare Advantage If You...

  • • Want lower monthly costs (often $0 premium)
  • • Are comfortable with provider networks
  • • Want prescription drugs included in one plan
  • • Value extra benefits (dental, vision, wellness)
  • • Want an annual out-of-pocket maximum
  • • Primarily stay in the Las Vegas or Reno area
  • • Prefer coordinated care through one plan

Nevada-Specific Considerations

Medigap Advantages in Nevada
  • • Excellent for travel to California, Arizona, Utah
  • • No issues with seasonal residence changes
  • • Access to Mayo Clinic, UCLA, other out-of-state specialists
  • • Nevada's birthday rule provides unique flexibility
  • • Strong state insurance regulation
Medicare Advantage Advantages in Nevada
  • • Strong local networks in Las Vegas and Reno
  • • Many $0 premium plans available
  • • Transportation benefits valuable in large metro areas
  • • Coordinated care with major health systems
  • • Annual ability to switch plans

Nevada Medigap FAQs

Q: What Medigap plans are available in Nevada for 2026?

Nevada residents have access to all 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N. However, Plans C and F are only available to people who were eligible for Medicare before January 1, 2020.

Q: How does Nevada's birthday rule work?

Nevada allows you to switch Medigap plans without medical underwriting during a 60-day window around your birthday (30 days before through 30 days after). You can switch to the same plan level or lower level of coverage.

Q: How much do Medigap plans cost in Nevada?

For a 65-year-old in Nevada, Plan G typically costs $120-$190/month, Plan N costs $90-$150/month, and Plan A costs $70-$120/month. Costs vary by insurance company and increase with age.

Q: When is the best time to buy Medigap in Nevada?

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.

Q: Can I have both Medigap and Medicare Advantage?

No, you cannot have both. You must choose either Original Medicare + Medigap or Medicare Advantage. If you have Medicare Advantage, you cannot buy Medigap, and vice versa.

Q: Do Medigap plans cover prescription drugs?

No, Medigap plans do not cover prescription drugs. If you have Original Medicare + Medigap, you need a separate Medicare Part D prescription drug plan for drug coverage.

Q: Can I use my Medigap plan when traveling outside Nevada?

Yes, Medigap plans work with any healthcare provider that accepts Medicare, anywhere in the United States. Plans G, D, and M also include foreign travel emergency coverage.

Q: What happens if I move from Nevada to another state?

Your Medigap plan will continue to work nationwide. However, if you want to switch plans, you'll be subject to the rules of your new state, which may not include Nevada's birthday rule.

Ready to Find Your Perfect Nevada Medigap Plan?

Get personalized help comparing Medigap plans and finding the best Medicare Supplement insurance for your needs and budget in Nevada.