North Las Vegas Nevada Medicare Guide 2026
Your comprehensive guide to Medicare options in North Las Vegas for 2026. Compare Medicare Advantage and Medigap plans, understand costs, and find coverage that fits you.
North Las Vegas Medicare Overview 2026
North Las Vegas is one of Nevada's largest cities. As part of Clark County, North Las Vegas residents can choose from the same 2026 Medicare plans as the rest of the county and are close to Las Vegas's major medical centers.
2026 North Las Vegas 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: A, B, C, D, F, G, K, L, M, N
- North Las Vegas ZIP Codes: 89030, 89031, 89032, 89081, 89084, 89085, 89086, 89087
- Major Healthcare Systems: VA Southern Nevada, North Vista Hospital, Centennial Hills Hospital
Residents have access to both local healthcare facilities and Las Vegas's specialty medical centers. 1-800-MEDICARE offers help in Spanish and free interpreter services for other languages.
2026 Medicare Advantage Options
Medicare Advantage plans often include prescription drug coverage and extra benefits such as dental, vision and fitness that Original Medicare doesn't cover. 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).
Extra Benefits Some Plans Offer
Health & Wellness
- • Gym memberships and fitness programs
- • Wellness coaching and health education
- • Preventive care incentives
- • Chronic condition management programs
Additional Services
- • Transportation to medical appointments
- • Grocery and pharmacy allowances
- • Telehealth services
- • Nurse advice lines
Medigap Supplement Plans
For North Las Vegas residents who prefer Original Medicare with additional coverage, Medigap plans help cover costs that Original Medicare doesn't pay.
| Plan | Estimated Monthly Premium | Part B Deductible | Best For |
|---|---|---|---|
| Plan A | $90 - $135 | Not Covered | Basic coverage, budget-conscious |
| Plan G | $135 - $195 | Not Covered | Broad coverage for new enrollees |
| Plan N | $105 - $155 | Not Covered | Good value with small copays |
| Plan K | $70 - $105 | Not Covered | Low premium, partial coverage |
Premiums shown are estimates. Actual premiums vary by insurer, age and ZIP code; ask insurers for quotes.
Plan G - Broad Coverage
Comprehensive coverage with predictable costs. Covers everything except the Part B deductible ($283 in 2026).
- • Part A deductible covered
- • Part B coinsurance covered
- • Foreign travel emergency coverage
- • No provider network restrictions
Plan N - Lower Premium
Lower premiums with small copays for doctor visits and emergency room visits.
- • 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
Plan A - Basic Coverage
Covers the core Medigap benefits only.
- • Part A hospital coverage
- • Part B coinsurance
- • Blood replacement coverage
- • Fewest benefits of the standard plans
North Las Vegas Healthcare Providers
North Las Vegas has its own hospitals and is close to Las Vegas's major medical centers. Check that the doctors and hospitals you use are covered by any plan you consider.
Major Healthcare Facilities
VA Southern Nevada Healthcare System
6900 N Pecos Rd, North Las Vegas, NV 89086
Comprehensive veterans' healthcare with specialty services and emergency care
North Vista Hospital
1409 E Lake Mead Blvd, North Las Vegas, NV 89030
Full-service hospital with emergency department and specialized care
Centennial Hills Hospital (nearby)
6900 N Durango Dr, Las Vegas, NV 89149
Close to North Las Vegas with comprehensive emergency and specialty services
Specialty Care Access
Primary Care Networks
Primary care offices throughout North Las Vegas; check each plan's provider directory
Specialist Access
Cardiology, orthopedics, oncology, and other specialists available locally and in nearby Las Vegas
Urgent Care Centers
Urgent care locations for non-emergency medical needs
Pharmacy Networks
CVS, Walgreens, Smith's, and independent pharmacies throughout the area
Las Vegas Medical Access
North Las Vegas residents are close to Las Vegas's major medical facilities, including:
- • University Medical Center - Level I Trauma Center
- • Sunrise Hospital & Medical Center - Comprehensive care
- • Valley Hospital Medical Center - Cardiac and emergency services
- • Comprehensive Cancer Centers of Nevada
- • Heart and other specialty centers
- • Cleveland Clinic Lou Ruvo Center for Brain Health
Prescription Drug Coverage Options
North Las Vegas residents need prescription drug coverage through either Medicare Advantage plans (which typically include Part D) or standalone Medicare Part D plans if they have Original Medicare with Medigap.
2026 Part D Coverage Phases
1. Deductible Phase
Pay full drug costs until reaching deductible (up to $615 in 2026)
2. Initial Coverage
Pay copays/coinsurance (25% in the standard benefit) until your out-of-pocket costs reach $2,100
3. Catastrophic Coverage
Pay $0 for covered drugs for the rest of 2026 after $2,100 out-of-pocket (the coverage gap ended in 2025)
North Las Vegas Pharmacy Options
Chain Pharmacies
- • CVS Pharmacy - Multiple locations
- • Walgreens - Throughout North Las Vegas
- • Smith's Pharmacy - Grocery store locations
Retail Pharmacies
- • Big-box store pharmacies
- • Warehouse-store pharmacies
- • Independent pharmacies - Personalized service
Mail Order
90-day supplies available through many plans' mail-order programs
Drug Coverage Tips for North Las Vegas Residents
- • Compare formularies to ensure your medications are covered
- • Check pharmacy networks - some plans have preferred pharmacies with lower copays
- • Consider generic alternatives when available to reduce costs
- • Look for plans with $0 deductible for generic drugs
- • Ask about manufacturer assistance programs for expensive brand-name drugs
- • Use GoodRx or similar programs as backup for non-covered medications
Enrollment Periods & Assistance
Understanding Medicare enrollment periods and getting help with the decision-making process is crucial for North Las Vegas residents to ensure they get the best coverage for their needs.
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 plans
- • Review and update your current coverage
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 dropping Medicare Advantage
- • One opportunity per year for changes
Special Enrollment Periods
When: Qualifying life events trigger special enrollment opportunities
- • Moving outside your plan's service area
- • Losing employer or union health coverage
- • Changes in Medicaid or Extra Help eligibility
- • Plan changes or discontinuation by insurance company
Plan Costs & Comparison
Understanding the total cost of Medicare coverage helps North Las Vegas residents make informed decisions about their healthcare plans for 2026.
| Plan Type | Monthly Cost | Annual Deductible | Max Out-of-Pocket |
|---|---|---|---|
| Medicare Advantage ($0 premium) | $202.90 (Part B only) | Varies by plan | Set by each plan (federal limits apply) |
| Original Medicare + Plan G | $337.90 - $397.90 (est.) | $283 (Part B) | Minimal |
| Original Medicare + Plan N | $307.90 - $357.90 (est.) | $283 (Part B) | Copays only |
| Original Medicare Only | $202.90 (Part B) | $1,736 per benefit period (Part A) + $283 per year (Part B) | Unlimited |
Cost Considerations for North Las Vegas Residents
Medicare Advantage Benefits
- • Often $0 monthly premium
- • Built-in prescription drug coverage
- • Annual out-of-pocket maximum
- • Extra benefits like dental and vision
- • May include transportation benefits
Medigap Benefits
- • Predictable monthly costs
- • No network restrictions
- • Coverage anywhere in the US
- • No prior authorization needed
- • Guaranteed renewable
Local Resources & Support
North Las Vegas residents have access to local resources for Medicare assistance, including government programs, community organizations, and educational services.
Government Resources
Nevada SHIP Program
Statewide: 1-800-307-4444
Free, unbiased Medicare counseling and assistance
Social Security Administration
(800) 772-1213
Medicare enrollment and benefits information
City of North Las Vegas
(702) 633-1000
Senior services and community programs
Community Resources
North Las Vegas Senior Center
Programs and activities for seniors
Clark County Social Services
(702) 455-4270
Help for residents with limited income
Three Square Food Bank
Food assistance programs
Food help for people with limited income
Important Phone Numbers for North Las Vegas 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
North Las Vegas City Hall: (702) 633-1000
VA Southern Nevada: (702) 791-9000
North Las Vegas Medicare FAQs
Q: How many Medicare plans are available in North Las Vegas 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 by multiple insurance companies.
Q: Are there $0 premium Medicare Advantage plans in North Las Vegas?
Yes, several insurance companies offer $0 monthly premium Medicare Advantage plans in North Las Vegas. However, you'll still pay the Medicare Part B premium ($202.90/month in 2026) plus any plan deductibles and copays.
Q: Can I see doctors in Las Vegas with my North Las Vegas Medicare plan?
North Las Vegas and Las Vegas are both in Clark County, so the same plans are offered in both cities. With Original Medicare you can see any doctor who accepts Medicare; with Medicare Advantage, verify your specific doctors are in-network before enrolling.
Q: What's the difference between Medicare Advantage and Medigap plans?
Medicare Advantage replaces Original Medicare and usually includes prescription drug coverage, while Medigap supplements Original Medicare. You can have one or the other, but not both at the same time.
Q: When can I enroll in a Medicare plan?
The main enrollment period is October 15 - December 7 for coverage starting January 1. There's also a Medicare Advantage Open Enrollment period from January 1 - March 31, and special enrollment periods for qualifying life events.
Q: Do Medicare plans cover emergency care when I travel?
Emergency care is covered nationwide with both Medicare Advantage and Medigap plans. However, routine care may be limited to your plan's service area for Medicare Advantage plans.
Ready to Find a North Las Vegas 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.