Don't let all of the Medicare health insurance options in Clark County scare you. Click one of the plan types below to compare just the Medicare coverage you need. Click here to learn more about your Medicare options.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Clark County Medicare Insurance Options
Original Medicare (Part A and Part B) is the only Medicare insurance that's standard in Nevada. All private Medicare insurance is regulated by the federal government, but plan and policy availability is regional (e.g., within all parts of Clark County or throughout the state).
As if all of the various health insurance options aren’t confusing enough, you also need to make sure your doctor accepts the insurance you want, or find a doctor that does. Some doctors only work through insurance networks, while others treat patients with Original Medicare (and Medicaid). Some doctors do both.
The purpose of the MedicareWire.com website is to help guide you through the process of choosing your health insurance. It's all about providing you with the information you need so you can get on the phone with a licensed adviser and finalize your Medicare elections for the year.
Medicare Advantage Insurance in Clark County
Medicare Advantage is a private health insurance replacement for Original Medicare. If you enroll in a Clark County Medicare Advantage plan you are opting to receive all of your healthcare benefits through the plan. There are strict rules governing going back to Original Medicare, so read and be informed. In most cases you must wait until the next Annual Election Period.
Monthly premiums in Clark County start at $0.00 and go as high as $128.00. Generally, the higher the premium the more benefits and coverage a plan has, but not always. The most common additional benefit is prescription drugs. You have 9 Medicare Advantage plans offering prescription drug coverage. There are 1 plans that do not include prescription coverage. That's a total of 10 options!
There are several different type of plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), and Medical Savings Account (MSA). HMO and PPO plans are the most common. We identify the plan type and its benefits on each plan page.
Zero dollar ($0) plans are available in most areas, but not all. Zero dollar does not mean free, it simply indicates that there's no additional monthly premium to enroll. However, you are still required to pay your monthly Part B premium. This is the case with all Medicare Advantage plans.
The most important benefit offered by Medicare Advantage insurance is the annual cap on your out-of-pocket expenses. The limit, called your Maximum Out-of-Pocket (MOOP) expense, is set each year by the Centers for Medicare and Medicaid Services (CMS). However, CMS allows plans to offer a lower alternative MOOP, so look for it. It's the MOOP that will help you sleep better at night knowing that a trip to the emergency room won't clean out your savings.
A full thirty-three percent of all Medicare beneficiaries enroll in Medicare Advantage each year. The reason is simple: it's a cost-effective alternative to Original Medicare. We encourage you to learn more by visiting our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages.
Medicare Supplement Insurance in Clark County
If you like the flexibility of being able to see any doctor you choose, but you're concerned about paying 20% of all your medical bills, the solution is Medicare Supplement insurance. Commonly called Medigap, supplemental Medicare insurance helps pay your share of the Medicare costs.
A Medigap policy is indemnity insurance that pays the portion of your bill not paid by Medicare (up to the limits of the policy). There are ten lettered plans in Nevada (A through N) that are all standardized. So, no matter what carrier you choose, the lettered plan will be the same, only the premium will be different.
It's critical that you understand how Medigap works. It does not give you extra healthcare benefits. If Medicare does not cover a healthcare expense, Medigap does not cover it. That includes your prescriptions, hearing aids, eye glasses, dental exams and other items that Medicare does not cover. Medigap works with everything covered under Medicare Part A and Part B.
Medicare Prescription Drug Plans in Clark County
Most Nevada seniors will eventually need help paying for their prescription medications. Unfortunately, this is not a benefit provided by Original Medicare, you have to buy it. You can get prescription drug coverage assistance by enrolling in a Medicare Part D plan (PDP) or a Medicare Advantage plan that includes a PDP.
You have a variety of options available to you throughout Nevada. This year there are a total of 29 prescription drug plans available, each with its own formulary. Monthly premiums start at just $12.60 and go up to $126.40 per month for the most inclusive extended plan. While shopping and comparing, don't forget to look at the annual deductible. This is what you will pay at the pharmacy before assistance begins.
How-To Find a Medicare Doctor in Clark County, Nevada
We've recently added all Clark County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Boulder City, Henderson, Las Vegas, Laughlin, Logandale, Mesquite, North Las Vegas, Overton, and surrounding areas.