Medicare Supplement (Medigap) Plan B in Nevada

Medicare Supplement (Medigap) Plan B is not to be confused with Part B

⚠️ Important: Medicare Supplement Plan B is not the same as Medicare Part B. Part B is your outpatient medical coverage from the federal government. Medigap Plan B is a private insurance plan that helps cover costs Original Medicare doesn’t pay.

What Does Medigap Plan B Cover in Nevada?

Medicare Supplement Plan B offers all the same core benefits as Plan A, plus one significant addition: it covers your Medicare Part A hospital deductible — one of the most significant out-of-pocket costs Medicare beneficiaries face.

Here’s what Medigap Plan B covers:

✅ Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are exhausted)
✅ Medicare Part B coinsurance or copayment
✅ Blood (first 3 pints)
✅ Part A hospice care coinsurance or copayment
✅ Part A deductible — this is what sets Plan B apart from Plan A

deductible even if you use it a few times in the same year. See the example below:

Amy has a pulmonary condition that causes her to stay overnight in the hospital in February. Then in May she is admitted again in for the same condition. Because her hospital stays are more than 60 days apart, she would normally have to pay the $1,408 deductible two times. A total of $2,816.00

Thank goodness Amy has a Supplement Plan B policy. Her Supplement Plan B will pay both deductibles for her. Guess how much she owes to the Hospital and her semi-private room during her 2 stays? $0

What Plan B does NOT cover:

❌ Skilled nursing facility coinsurance
❌ Part B deductible
❌ Part B excess charges
❌ Foreign travel emergency care

If you want coverage for those additional items, Plan G or Plan N may be a better fit — NevadaCare can walk you through the comparison.

Why the Part A Deductible Matters

The Medicare Part A hospital deductible applies each time you’re admitted — it’s not an annual deductible. That means if you’re hospitalized more than once in a year with separate benefit periods (hospital stays more than 60 days apart), you could face the deductible multiple times.

Here’s a real-world example:

Maria has a pulmonary condition that results in two separate hospital stays — one in February and one in May. Because the stays are more than 60 days apart, she faces two separate Part A deductibles. In 2025, the Part A deductible is $1,676 per benefit period — meaning Maria could owe up to $3,352 out of pocket.

With Medigap Plan B, both deductibles are covered. Maria owes $0 for her hospital stays.

How Medigap Plan B Premiums Work in Nevada

While the benefits of Medigap Plan B are standardized by the federal government — meaning every carrier offers identical coverage — the monthly premium varies by carrier. Insurance companies set their rates based on factors including:

Your zip code and county
Your age and gender
Tobacco use
Household discount eligibility

Because rates can vary significantly from one carrier to the next for the same Plan B coverage, comparing quotes across multiple companies before enrolling is essential.

Nevada Medicare provides quotes from over 30 Medigap carriers in Nevada and reviews both current premiums and each carrier’s rate increase history — because a low starting premium from a company with a pattern of large annual increases can end up costing more over time.

Is Medigap Plan B Right for You?

Medigap Plan B is a solid choice for beneficiaries who want protection from the Part A hospital deductible but prefer a lower premium than more comprehensive plans like Plan G. However, it leaves some gaps — particularly skilled nursing facility costs and foreign travel emergencies — that other plans cover.

Nevada Medicare helps you compare Plan B alongside Plan G, Plan N, and other available Medigap options so you can make a fully informed decision based on your health history, budget, and coverage priorities.

Compare Medigap Plan B Quotes in Nevada

Nevada Medicare provides quotes from over 30 Medigap carriers in Nevada and recommends the top plans based on your specific situation. 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 compare Plan B pricing across 30+ carriers in Nevada
🔵 We review rate increase histories — not just current premiums
🔵 We help you compare Plan B against Plan G, N, and other options
🔵 We assist with claims, appeals, and Medicare disputes year-round
🔵 Our assistance comes at no cost — we’re compensated by the insurance carriers

Medicare Supplements

Get a Medigap Plan B Quote in Nevada

Nevada Medicare’s specialists compare Plan B pricing across 30+ carriers and help you decide if it’s the right fit — or whether another plan offers better value for your needs — at no cost to you. Call Nevada Medicare at 702-840-1111 or visit us at 2412 Stewart Ave, Las Vegas, NV 89101.