Medicare plays a key role in providing health and financial security to beneficiaries residing in Nevada. With more than 543,300 Nevada beneficiaries enrolled in Medicare, we’ll cover some very important information below about Medicare in Nevada. We want to help you better understand your options and make the decision-process as seamless as possible once you’re ready to enroll in Medicare or discover different coverage options.

Who Qualifies for Medicare in Nevada?

Medicare covers most Nevada residents who are 65 or older, and it also covers disabled Nevada residents. In general, Medicare enrollment in Nevada works the same way as it does in the rest of the country. If you qualify for Original Medicare, also known as Part A and Part B, it will help cover 80% of your health care costs.

When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that:

  • Begins 3 months before the month you turn 65
  • Includes the month you turn 65
  • Ends 3 months after the month you turn 65

In most cases, if you don’t sign up for Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. You’ll be responsible for paying this penalty for as long as you have Part B, and you could have a gap in your health coverage.

Once you reach Medicare eligibility, you can begin choosing additional coverage options to help pay for the remaining 20% of your medical expenses through Medicare Advantage (Part C), Medigap, and/or a Medicare Prescription Drug (Part D) plan.

Who Qualifies for Medicare

Nevada Medicare Enrollments


Original Medicare Plans
(Part A and B)


Medicare Advantage & Other Health Plans


Stand-alone Medicare
Part D (Drug plans)


Total Medicare Beneficiaries
in Nevada

Nevada Medicare Advantage Plans (Part C)

More than 38% of Nevada Medicare beneficiaries select Medicare Advantage plans.

Medicare Advantage plans are private, Medicare-approved insurance companies. They provide all of your Original Medicare benefits and often include extra benefits such as drug, dental, and vision coverage.

The Medicare Advantage Open Enrollment Period runs from January 1 to March 31. During this period, Medicare beneficiaries in Nevada who already enrolled in a Medicare Advantage plan can switch to a different Medicare Advantage plan or drop their Medicare Advantage plan and enroll in Original Medicare.

As of 2020, 50 Medicare Advantage plans are available in Nevada. The average monthly Medicare Advantage premium changed from $6.32 in 2019 to $4.58 in 2020. $0 is the lowest monthly premium for a Medicare Advantage plan in Nevada. All 56 of Nevada’s counties have Medicare Advantage plans available. The availability of Medicare Advantage plans can range from one to nine, depending on the county.

According to the Centers for Medicare and Medicaid Services (CMS), as of May 2020, there are 217,727 beneficiaries enrolled in Medicare Advantage and other plans in Nevada. More than 38% of Nevada Medicare beneficiaries were enrolled in a private Medicare Advantage plan in 2019. 100% of people with Medicare have access to a Medicare Advantage plan.

There are some counties in Nevada that don’t have Medicare Advantage plans available for purchase. Out of Nevada’s 16 counties, only nine counties have Medicare Advantage plans available.

Nevada Medicare Supplement (Medigap) Insurance Plans

Nevada doesn’t require Medigap insurers to offer plans to people under 65.

Medigap plans are used to supplement Original Medicare, covering some or all of the out-of-pocket costs (for coinsurance and deductibles) that beneficiaries would otherwise incur if they only had Original Medicare on its own. Typically, Medigap plans are popular for those who want little to no copay when they access healthcare services.

There are two initial times to enroll in a Medigap plan before and after you turn 65:

  • 6 months prior to turning 65
  • Once you turn 65, your 6 month period begins the month you enroll in Part B

During this period, an insurance company can’t use medical underwriting. 

There are 26 insurers in Nevada that offer Medigap plans. Most of these insurers use attained age rating regardless of how old the enrollee was when they purchased the policy. Nevada doesn’t require Medigap insurers to offer coverage to people under 65. Once these individuals turn 65, they then have access to Medigap plans. They’ll have the normal six-month open enrollment period for Medigap.

Nevada Medicare Prescription Drug Coverage (Part D)

Original Medicare doesn’t cover outpatient prescription drugs. However, Medicare beneficiaries can get prescription coverage via a Medicare Advantage plan, an employer-sponsored plan (offered by a current or former employer), or a stand-alone Part D plan. Medigap plans don’t cover prescription drugs unless they’re covered under Part B.

As of 2020, there are 179,019 Medicare beneficiaries in Nevada enrolled in stand-alone Part D prescription drug plans and 208,426 enrolled in Medicare Advantage Prescription Drug plans. For 2020 coverage, there are 28 stand-alone Part D plans available in Nevada, with premiums ranging from about $16 to $97 per month. About 25% of people with a stand-alone Medicare prescription drug plan get Extra Help (also called the low-income subsidy, or LIS).

When deciding on a Part D plan, it’s important to evaluate several factors such as each plan’s premium, formulary, and copays since every plan is different. Learn how you can save money on your out-of-pocket costs with a Medicare Advantage, Part D, or Medigap plan, fill out this form or give us a call.

Local Medicare Health Plan Resources in Nevada

  • State Health Insurance Assistance Program (SHIP): SHIP provides information, counseling, and assistance to Medicare Beneficiaries Nevada involving a statewide network of volunteers. SHIP Volunteers offer FREE one-on-one assistance and counseling with respect to many problems seniors encounter regarding Medicare, supplemental health insurance, and long-term care options.
    Contact: Call 1-800-307-4444. Assistance is also available from SHIP volunteers at various and local senior centers.

  • Office for Consumer Health Assistance (OCHA): OCHA assists consumers of healthcare and injured workers with understanding their rights and responsibilities under various health care plans and industrial insurance policies. OCHA provides education and advocacy to those who have insurance through an employer, managed care, individual health policies, Employee Retirement Income Security Act (ERISA), Nevada Workers’ Compensation, Medicare, or Medicaid. Access to healthcare and prescription medication assistance resources are also provided for the uninsured and underinsured.
    Contact: Call 1-702-486-3587, 1-888-333-1597, or print and fill out a request for assistance form.

  • Medicare Savings Programs (MSP): MSPs available under MIPPA are administered by the state’s Medicaid agency. These programs help consumers pay for Medicare premiums and co-pays. This benefit can save consumers at least $104.90 per month. In the state of Nevada, there are four categories of eligibility.
    Contact: Call a local Family Resource Center to make an appointment or contact a MIPPA partner for assistance.

  • Nevada Care Connection was established in 2005 as Nevada’s Aging and Disability Resource Center program. ADRCs were designed to serve as a single point of entry into the long term support system for individuals with functional limitations and their families. The original goal was to help consumers identify needs, provide information on the full range of options available, and help people access benefits for which they might qualify.
    Contact: Visit the Nevada Care Connection website to find the closest resource center, as well as local phone and email contacts.

  • Senior Medicare Patrol (SMP): SMP educates Nevadans on how to prevent, detect, and report healthcare fraud in Medicare and Medicaid in order to protect these vital healthcare programs for the future.
    Contact: Call (888) 838-7305, visit, or email [email protected] for more information.

The licensed agents that are partnered with Timefor65 can help you compare the availability, benefits, and costs of Medicare plans in your specific region of Nevada. Our process makes it easier for you to access your Medicare eligibility in Nevada so that you receive personalized, affordable, and easy-to-use coverage options and solutions. Fill out the form or give us a call at (866) 399-4330 anytime to get a free quote or to ask any questions.

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