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Original Medicare covers a lot — but it doesn’t cover everything. Copayments, coinsurance, and deductibles can add up quickly, leaving you with unexpected out-of-pocket costs. That’s where Medicare Supplement insurance, also known as Medigap, comes in. These plans are designed to fill the gaps in Original Medicare coverage and give you more predictable healthcare costs throughout the year.
Nevada Medicare helps Las Vegas residents compare every Medigap plan available, review pricing across 30+ carriers, and enroll in the right plan with confidence.
Medicare Supplement plans are sold by private insurance companies but are standardized and regulated by the federal government. That means the benefits for each plan letter are identical regardless of which insurance company you choose — the only difference is the monthly premium you pay.
Nevada currently offers all 10 standardized Medigap plan letters: A, B, D, G, G-HD, K, L, M, and N. (Plans C, F, and High-Deductible F are no longer available to those who became eligible for Medicare on or after January 1, 2020. If you were eligible before that date, you may still be able to access these plans.)
Key things to know:
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.
The best time to enroll in a Medigap plan is during your Medicare Supplement Open Enrollment Period. This 6-month window begins the month you turn 65 and are enrolled in Medicare Part B. During this period:
There is an open enrollment period for Medicare Supplement plans in Las Vegas. This is a short period when you can enroll in any Medicare supplement plan that you choose. You will not have to answer any medical health questions unless you miss this period.
If you miss this window, you can still apply for a Medigap plan — but insurers may require medical underwriting, which means they can charge higher premiums or decline your application based on pre-existing conditions. Acting during your open enrollment period protects your options.
Not all Medigap carriers are equal — and the premium for the same plan letter can vary significantly from one company to the next. NevadaCare works with more than 30 Medigap carriers in Nevada, including well-known names like Aetna, Anthem, Cigna, Humana, Mutual of Omaha, and UnitedHealthcare.
When comparing plans, we look beyond just the current premium. Rate increase history matters just as much — a plan with a low starting premium from a carrier with a history of large annual increases can end up costing you more over time. NevadaCare reviews both current pricing and long-term rate trends to help you make a truly informed decision.
Medicare Supplement and Medicare Advantage are two different approaches to covering what Original Medicare doesn’t pay for. Here’s a quick comparison:
| Medigap | Medicare Advantage | |
|---|---|---|
| Monthly Premium | Higher | Lower (sometimes $0) |
| Network Restrictions | None — see any Medicare provider | Usually requires in-network providers |
| Out-of-Pocket Costs | Very predictable | Varies by plan and usage |
| Extra Benefits | Not included | Often includes dental, vision, hearing |
| Part D Coverage | Sold separately | Often bundled |
Neither option is universally better — it depends on your health, budget, doctors, and how you prefer to use your coverage. NevadaCare helps you weigh both options side by side so you can choose with confidence.
To learn more about how supplement plans work and what it covers for Nevada beneficiaries in Las Vegas please go to What is Medicare Supplement in Learn About Medicare.
Some of the best Medicare supplement companies in the country provide Medigap plans in Las Vegas. Nevada Medicare can provide quotes from over 30 carriers of Medigap plans. A few companies you might recognize are Aetna, Anthem, Cigna, Humana, Mutual of Omaha, & Unitedhealthcare. These carriers have competitive rates in the Las Vegas, Nevada market.
When looking into Medicare supplements in Las Vegas, compare current prices and also the rate trends for each carrier. We highly recommend a company that had a strong history of low-rate increases.
Some Medicare beneficiaries like to consider all their options. If a Medicare supplement is too costly for you, then you might consider a Medicare Advantage plan. These plans typically have lower rates than Medigap plans.
NevadaCare provides quotes from over 30 Medigap carriers in Nevada and recommends the top 3 most cost-effective plans based on your specific situation — factoring in current premiums, carrier rate history, and financial strength ratings. The price you pay is exactly the same whether you enroll through us or directly with the carrier. Our assistance comes at no cost to you — we’re compensated by the insurance companies.
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 Nevada 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.
Get More Medicare Information
The first step to setting up affordable coverage is knowledge. Let us help you learn your benefits. Our Medicare help is always free Contact Us.
Nevada Medicare’s local specialists compare pricing across 30+ carriers, review rate increase histories, and help you find the Medigap plan that fits your health needs and budget — at no cost to you.
