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 the perfect healthcare coverage.
North Las Vegas Medicare Overview 2026
North Las Vegas, Nevada's fourth-largest city with over 280,000 residents, offers excellent Medicare options for 2026. As part of Clark County, North Las Vegas Medicare beneficiaries have access to comprehensive healthcare networks, competitive plan pricing, and proximity to Las Vegas's world-class medical facilities.
2026 North Las Vegas 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: 20+ options for 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
North Las Vegas's Medicare landscape for 2026 features expanded plan options from major national insurers, competitive pricing, and excellent access to both local healthcare facilities and Las Vegas's specialized medical centers. The city's diverse population benefits from multilingual support services and culturally competent care options.
2026 Medicare Advantage Options
North Las Vegas residents have access to a robust selection of Medicare Advantage plans for 2026, offering comprehensive benefits that often include prescription drugs, dental, vision, and wellness programs beyond traditional Medicare.
Humana
Plan Types: HMO, PPO
Monthly Premium: $0 - $89
Maximum Out-of-Pocket: $3,900 - $7,550
Special Features: Grocery allowance, fitness programs, transportation
UnitedHealthcare
Plan Types: HMO, PPO
Monthly Premium: $0 - $95
Maximum Out-of-Pocket: $4,200 - $7,550
Special Features: UCard benefits, telehealth, dental coverage
Anthem Blue Cross
Plan Types: HMO, PPO
Monthly Premium: $0 - $75
Maximum Out-of-Pocket: $4,500 - $6,900
Special Features: Enhanced benefits, care coordination
Aetna Better Health
Plan Types: HMO, PPO
Monthly Premium: $0 - $69
Maximum Out-of-Pocket: $3,500 - $6,700
Special Features: Wellness programs, chronic care management
Health Plan of Nevada
Plan Types: HMO, PPO
Monthly Premium: $0 - $85
Maximum Out-of-Pocket: $4,000 - $7,200
Special Features: Local Nevada focus, community programs
Silver Summit
Plan Types: HMO
Monthly Premium: $0 - $55
Maximum Out-of-Pocket: $3,900 - $6,500
Special Features: Regional approach, competitive pricing
2026 Enhanced Benefits Available
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
- • 24/7 nurse hotlines
Medigap Supplement Plans
For North Las Vegas residents who prefer Original Medicare with additional coverage, Medigap plans offer comprehensive supplemental insurance to help cover costs that Medicare doesn't pay.
| Plan | Monthly Premium Range | Part B Deductible | Best For |
|---|---|---|---|
| Plan A | $90 - $135 | Not Covered | Basic coverage, budget-conscious |
| Plan G | $135 - $195 | Not Covered | Most comprehensive, most popular |
| Plan N | $105 - $155 | Not Covered | Good value with small copays |
| Plan K | $70 - $105 | Not Covered | Low premium, partial coverage |
Plan G - Most Popular
Comprehensive coverage with predictable costs. Covers everything except the Part B deductible ($270 in 2026).
- • Part A deductible covered
- • Part B coinsurance covered
- • Foreign travel emergency coverage
- • No provider network restrictions
Plan N - Great Value
Lower premiums with small copays for doctor visits and emergency room visits.
- • $20 doctor office copay
- • $50 emergency room copay
- • Part B excess charges not covered
- • Excellent cost-benefit ratio
Plan A - Budget Option
Basic coverage at the lowest premium for essential Medicare supplement benefits.
- • Part A hospital coverage
- • Part B coinsurance
- • Blood replacement coverage
- • Most affordable option
North Las Vegas Healthcare Providers
North Las Vegas offers quality healthcare facilities with easy access to Las Vegas's major medical centers. Both Medicare Advantage and Medigap plans provide access to comprehensive healthcare networks throughout the area.
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
Extensive primary care physician networks throughout North Las Vegas with same-day and urgent appointments available
Specialist Access
Cardiology, orthopedics, oncology, and other specialists available locally and in nearby Las Vegas
Urgent Care Centers
Multiple urgent care locations for non-emergency medical needs with extended hours
Pharmacy Networks
CVS, Walgreens, Smith's, and independent pharmacies throughout the area
Las Vegas Medical Access
North Las Vegas residents have convenient access to Las Vegas's world-class 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
- • Las Vegas Heart Associates 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 $590 in 2026)
2. Initial Coverage
Pay copays/coinsurance until total costs reach $5,280
3. Coverage Gap
Pay 25% of brand and generic drug costs
4. Catastrophic Coverage
Pay minimal amounts after $8,550 out-of-pocket
North Las Vegas Pharmacy Options
Chain Pharmacies
- • CVS Pharmacy - Multiple locations
- • Walgreens - Throughout North Las Vegas
- • Smith's Pharmacy - Grocery store locations
Retail Pharmacies
- • Walmart Pharmacy - Competitive pricing
- • Costco Pharmacy - Membership required
- • Independent pharmacies - Personalized service
Mail Order
90-day supplies available through plan mail-order programs with potential savings
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) | $190 (Part B only) | $0 - $500 | $3,500 - $7,550 |
| Original Medicare + Plan G | $325 - $385 | $270 (Part B) | Minimal |
| Original Medicare + Plan N | $295 - $345 | $270 (Part B) | Copays only |
| Original Medicare Only | $190 (Part B) | $1,720 + $270 | 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 numerous local resources for Medicare assistance, including government programs, community organizations, and educational services.
Government Resources
Nevada SHIP Program
Las Vegas Office: (702) 486-3545
Free, unbiased Medicare counseling and assistance
Social Security Administration
North Las Vegas: (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
1638 Bruce St, North Las Vegas, NV 89030
Medicare education seminars and counseling services
Clark County Social Services
(702) 455-4270
Medicare assistance and support programs
Three Square Food Bank
Senior food programs and assistance
Support for Medicare beneficiaries with limited income
Important Phone Numbers for North Las Vegas 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
North Las Vegas City Hall: (702) 633-1000
VA Southern Nevada: (702) 636-3000
North Las Vegas Medicare FAQs
Q: How many Medicare plans are available in North Las Vegas for 2026?
North Las Vegas residents have access to 20+ Medicare Advantage plans and all 10 standardized Medigap plans from multiple insurance companies for 2026.
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 ($190/month in 2026) plus any plan deductibles and copays.
Q: Can I see doctors in Las Vegas with my North Las Vegas Medicare plan?
Most Medicare plans in North Las Vegas include Las Vegas providers in their networks since both cities are in Clark County. However, always 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.
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