Medicare Supplements Available in Nevada NV Medigap Plans
On this page we help consumers: Compare 2020 Medigap Plans available in Nevada. See premiums and reviews, including Plan F, G, and N. Find the best Medicare Supplements in NV at the lowest cost available.
Which Nevada Medicare Supplement is Best for Me?
Three out of four Nevada seniors agree: Original Medicare and a Medicare Supplement give them the best health insurance coverage available. It all comes down to choice and control. But, which Medigap plan is best for you?
We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G and N. Read on to learn why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| AARP | $127.50 | $108.92 | $86.35 |  |
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| Aetna | $146.77 | $121.53 | $98.46 |  |
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| American National | $133.89 | $106.44 | $88.98 |  |
|
| American Republic | $164.49 | N/A | N/A | |
|
| American Retirement Life | $167.67 | $112.65 | $96.55 |  |
|
| Americo Life | $150.92 | $117.99 | $95.09 | |
|
| Anthem Blue Cross and Blue Shield Virginia | $135.02 | $115.53 | $93.06 | |
|
| Bankers Fidelity | $173.00 | $163.00 | $91.95 | |
|
| Central States | $180.17 | $146.75 | $119.67 | |
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| Colonial Penn | $223.71 | $170.84 | $103.31 | |
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| Combined Insurance | $170.91 | N/A | $119.63 | |
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| Gerber Life | $229.82 | $174.11 | N/A | |
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| Globe Life | $153.50 | $137.50 | $116.00 | |
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| Guarantee Trust Life | $140.57 | $116.39 | $95.59 | |
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| Humana | $166.88 | N/A | $107.00 | |
|
| IAC | $168.74 | $124.11 | $100.88 | |
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| Liberty Bankers Life | $133.72 | $106.50 | $91.04 | |
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| Medico | $193.29 | N/A | N/A | |
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| National Guardian Life | $143.12 | $109.75 | $93.96 | |
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| Oxford Life | $152.12 | $115.46 | $114.79 | |
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| Pan-American Life | $148.06 | $110.73 | $93.02 | |
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| Philadelphia American | $134.19 | $104.55 | $87.08 | |
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| Renaissance Life | $158.19 | $118.85 | $108.92 | |
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| Reserve National | $147.55 | $122.90 | $101.50 | |
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| Sentinel Security Life | $207.63 | N/A | N/A |  |
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| State Farm | $156.57 | N/A | N/A | |
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| Thrivent | $134.35 | $105.74 | $89.25 | |
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| Transamerica | $148.23 | $110.77 | $89.13 | |
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| United American | $157.00 | $131.00 | $117.00 | |
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| United Commercial Travelers | $208.09 | $173.62 | $143.00 | |
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| United World | $153.33 | $120.47 | $102.73 | |
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| USAA Life | $156.40 | N/A | $111.35 | |
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| Western United Life | $144.92 | $109.58 | $95.50 | |
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Compare Plan RatesThe average Nevada senior compares three or more quotes before making an enrollment decision. |
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Top 10 Medicare Supplement Plans in Nevada
Looking for the best Plan F, G or N available to Nevada seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
10 Best Medigap Plan F Policies in Nevada
Medicare Supplement Plan F is the most popular Medigap plan available in Nevada. Here are the 10 best Plan F policies available in Nevada based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| AARP | $127.50 | None | |
| Thrivent | $134.35 | $25.00 | |
| Colonial Penn | $223.71 | None | |
| American National | $133.89 | None | |
| Anthem Blue Cross and Blue Shield Virginia | $135.02 | None | |
| Reserve National | $147.55 | None | |
| Globe Life | $153.50 | None | |
| United American | $157.00 | None | |
| Liberty Bankers Life | $133.72 | $25.00 | |
| Philadelphia American | $134.19 | $20.00 | |
10 Best Medigap Plan G Policies in Nevada
Medicare Supplement Plan G is rapidly gaining popularity among Nevada seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Nevada based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $105.74 | $25.00 | |
| AARP | $108.92 | None | |
| Colonial Penn | $170.84 | None | |
| American National | $106.44 | None | |
| Anthem Blue Cross and Blue Shield Virginia | $115.53 | None | |
| Reserve National | $122.90 | None | |
| United American | $131.00 | None | |
| Globe Life | $137.50 | None | |
| Philadelphia American | $104.55 | $20.00 | |
| Liberty Bankers Life | $106.50 | $25.00 | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
10 Best Medigap Plan N Policies in Nevada
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Nevada seniors. Here are the 10 best Medigap Plan N policies available in Nevada based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| AARP | $86.35 | None | |
| Thrivent | $89.25 | $25.00 | |
| Colonial Penn | $103.31 | None | |
| American National | $88.98 | None | |
| Anthem Blue Cross and Blue Shield Virginia | $93.06 | None | |
| Reserve National | $101.50 | None | |
| Globe Life | $116.00 | None | |
| United American | $117.00 | None | |
| Philadelphia American | $87.08 | $20.00 | |
| Liberty Bankers Life | $91.04 | $25.00 | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Medicare Supplemental Insurance Reviews
We evaluate all Medicare Supplement (Medigap) companies servicing policies in Nevada. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask you agent to provide this information.
We review Medicare Supplement Plans in Nevada head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Medicare Supplement Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Nevada. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
Nevada Medicare Supplement insurance carriers are required to adhere to state and federal laws that are designed to protect consumers. Medigap plans must be clearly identified as Medicare Supplement Insurance. Each standardized Medicare Plan is identified by letters A through N and must offer the same identical benefits as all other plans with the same letter. The only variance is the monthly premium.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
Each Medicare supplement insurance policy sold in Nevada offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of liability coverage you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Are not required to offer every Medigap plan
- Must offer Medigap Plan A (basic benefits)
- Must also offer Plan C or Plan F
For more information, visit the Nevada Department of Insurance website at http://www.doi.nv.gov/.
Medicare Supplement Plan F: Is it the Best Plan in Nevada?
Even though Medicare Plan F is the most costly, it is the overwhelming favorite. More than 50 percent of all seniors with a Medigap policy in Nevada choose Plan F. The reason is simple. It offers complete gap coverage.
IMPORTANT: If you want the gap protection of Medicare Supplement Plan F, you must get enrolled before January 2020. Congress voted to abolish Plan F. Starting January 2020 carrier are no longer able to sell these polices.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
Is AARP's Medicare Supplement the Best Medigap Plan?
AARP sell more Medicare Supplements in Nevada than any other carrier. AARP Medicare Supplement plans, by United Healthcare (UHC), provide the same coverage as the standardized Medigap plans from other carriers. The most significant difference is the cost and financial stability of the carrier.
Our research shows that AARP Medigap Plans are usually more expensive than competing plans. That said, in many areas UHC has hospitals under contract, allowing them to offer Medicare SELECT plans at favorable rates. This allows them to be more competitive on monthly premiums, but you must agree to use one of their contracted hospitals.
The three most popular AARP supplements are Plan F, Plan G and Plan N. You can see the difference between these plans on the comparison chart below.
Medigap Plan Comparison Chart
The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Medicare Supplements vs Medicare Advantage
Still wondering if a Medicare Supplement is the right way to go? Considering Medicare Advantage to cut costs? For many seniors in Nevada it's a difficult decision. Here are a couple things to consider.
First, understand the difference between Medigap and Medicare Advantage plans available in Nevada. A Medigap plan fills gaps in your Original Medicare benefits. A Medicare Advantage plan may have a similar effect, but it replaces your Original Medicare benefits with managed care, reducing your options.
Second, if you need the most choices and flexibility, Original Medicare combined with a Medicare Supplement and a Nevada Medicare Part D plan is the best coverage you can get.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Nevada SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-307-4444
- http://nevadaadrc.com/services-and-programs/medicare/state-health-insurance-assistance-program-ship
Additional Foot Notes
[3] Sample premium is for a 65 year old, non smoking, woman living in Nevada. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .