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In 2019, approximately 501,000 residents of Nevada received Medicare coverage, according to the Centers for Medicare & Medicaid Services (CMS). As a Medicare beneficiary living in Carson City, you may have several options when it comes to your Medicare coverage. Some of those choices may include:
Original Medicare is the federally administered health-care program for eligible United States citizens and legal permanent residents of at least five continuous years who are 65 and older. You may also be eligible for Medicare coverage if you’re under 65 through disability or certain health conditions, including end-stage renal disease and amyotrophic lateral sclerosis (ALS, or Lou Gehrig’s disease).
Nevada Medicare can provide free personalized assistance and show you a solution that gives you peace of mind, so you can focus on the things you want. Our Customer Care Team stands ready to help you with any topic. Remember our services are always free.
In Carson City, as in the rest of the country, Original Medicare comes in two parts: Part A and Part B.
Original Medicare doesn’t cover everything. For example, Original Medicare offers limited prescription drug coverage; you’ll normally have to join a separate Medicare Prescription Drug Plan for help with most medications. Original Medicare also doesn’t pay for most types of long-term care, also known as custodial care. This includes care you receive at home or in a nursing home when personal care (such as help with getting dressed or bathing) is the only help you need.
Original Medicare, Part A and Part B, also does not pay for routine vision, routine dental services, or hearing. Some of these benefits may be available through a Medicare Advantage plan.
A Medicare Part D Prescription Drug Plan (PDP) is stand-alone coverage that you can purchase to help pay for your prescription drug costs in Original Medicare. These plans work alongside your Original Medicare coverage and are available from private insurance companies approved by Medicare and doing business in Nevada.
Medigap (Medicare Supplement) insurance plans are also offered by private insurance companies and can help you pay your out-of-pocket costs for services covered under Original Medicare.
As an alternative way to get your Original Medicare benefits, you may be eligible to enroll in a Medicare Advantage plan in Carson City. Offered by private insurance companies that contract with CMS, these plans provide at least the same level of Medicare benefits as the federal program (with the exception of hospice care, which is paid by Medicare Part A).
In addition, many Medicare Advantage plans also include additional coverage beyond Original Medicare, such as routine dental and vision care. Unlike Original Medicare, some plans may include prescription drug coverage alongside medical coverage. Also known as Medicare Advantage Prescription Drug (MA-PD) plans, these plans provide your Medicare Part A, Part B, and Part D benefits under a single plan.
To be eligible for a Medicare Advantage plan, you must have Medicare Part A and Part B, live in the service area of a Medicare Advantage plan, and not have end-stage renal disease (with some exceptions).
Keep in mind that you’ll need to keep paying your Medicare Part B premium, in addition to any additional premium required by your Medicare Advantage plan.
To find and compare Medicare plan options in Carson City, contact us at Nevada Medicare.
2018 Medicare Statistical Trends in Nevada
Statistical data from the Centers for Medicare & Medicaid Services, “Medicare Enrollment Dashboard”; and “2018 MA Part D Landscape State-by-State Fact Sheet”.
NevadaMedicare.com and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.
Benefits, premiums and/or copayments/co-insurance may change on January 1 of each year.
To learn more about how Medicare works and what it covers for Nevada beneficiaries in Carson City please go to New to Medicare in Learn About Medicare.
As mentioned above, we can provide you help and compare insurance companies benefits, coverages, formularies, in your area. Based on that report, we will recommend the top 3-5 most cost-effective plans in your area.
Nevada Medicare works only with the most reputable companies that offer Medicare plans – both supplement and Medicare Advantage plans. We can provide you a free cost comparison of Medicare plans in Carson City to help you find the most affordable coverage that best fits your needs.
Working with Nevada Medicare that specializes only in Medicare is free to you. The price you pay for your coverage is exactly the same as if you enrolled directly with an insurance company.
The benefit to you is that you have an advocate to turn to with questions and concerns. If Medicare or an insurance company ever denies your claim, we are here to help you with appeals, reconsiderations, as well as drug exceptions.
Additionally, we can also walk you through the annual Part D drug plan analysis to ensure you always pay the lowest costs for your medications.
Our Medicare help is always free Contact Us.