Best Medicare Supplement Plans in Nevada
There are ten Medicare Supplement plans available to Medicare beneficiaries in Nevada. These plans help cover expenses like coinsurance, copayments, and deductibles that are not covered by Original Medicare.
- Based on the ten plans offered in 2024, we found Aetna offers the best Medicare Supplement Plan G rates available in Nevada at $142 per month, providing the most comprehensive coverage.
- Aetna's Medicare Supplement Plan N offers lower rates at $97 per month, while still providing valuable coverage.
- If you're looking for the lowest possible monthly premium, Mutual of Omaha offers a High Deductible Plan G at a rate of $48 per month. This plan provides the same benefits as Medicare Plan G after you meet an annual deductible of $2,700.
Below is a highlight of the features and benefits of each plan.
Aetna Medicare Supplement Plan G
- Aetna's Medicare Plan G is the perfect plan for those who are looking for comprehensive coverage and numerous benefits.
- Except for the Medicare Part B deductible, this plan covers many of your out-of-pocket costs.
With Medicare Plan G, you have access to a full array of health coverage benefits that include:
- Coverage for Part B excess fees, the Medicare Part A deductible and all coinsurance costs associated with Part B.
- No required referrals.
- Access to any medical provider who accepts Original Medicare.
Monthly Plan Cost: $142
*Prices based on a 65 year old non smoking female living in zip code 89031 Nevada.
Aetna Medicare Supplement Plan N
Aetna Medicare Plan N may be the perfect plan for budget-conscious individuals, as it offers lower premiums than Plans F and G without compromising on coverage.
Benefits include:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Monthly Plan Cost: $97
*Prices based on a 65 year old non smoking female living in zip code 89031 Nevada.
Mutual Of Omaha High-Deductible Plan G
- Mutual Of Omaha High Deductible Plan G coverage is identical to the original Plan G, except it requires consumers to pay an initial deductible of $2,700 before any medical coverage begins.
- Compared to traditional Medicare Supplement Plan G, this option is much more cost-effective.
Monthly Plan Cost: $48
*Prices based on a 65 year old non smoking female living in zip code 89031 Nevada.
Aetna Medicare Supplement Plan F
- Aetna Medicare Plan F offers the most robust coverage available, encompassing all related coinsurances, Part A and Part B deductibles.
- To be eligible for benefits, you must have been enrolled in Original Medicare prior to January 1st, 2020.
Monthly Plan Cost: $168
*Prices based on a 65 year old non smoking female living in zip code 89031 Nevada.
What's the Best Medicare Supplement Company in Nevada?
Based on our review of several key factors, Aetna is the best Medicare Supplement company in Nevada.
While Aetna Medigap plans tend to be more affordable in Nevada, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.
For this reason, Aetna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Aetna that are also available in Nevada, including sample premiums, ratings, and market share:
Cigna
Market share: 8.38%
Plan G cost: $169
Plan N cost: $120
Financial strength: A
Mutual of Omaha
Market share: 7.95%
Plan G cost: $156
Plan N cost: $108
Financial strength: A+
Aetna
Market share: 10.04%
Plan G cost: $142
Plan N cost: $97
Financial strength: A
United Healthcare
Market share: 46.38%
Plan G cost: $142
Plan N cost: $122
Financial strength: A
How Much Does a Medigap Plan Cost in Nevada?
The best price for Medicare Supplement Plan G in Nevada is $142 per month with Aetna.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Monthly Cost
$168
$142
$97
$48
$109
Plan Popularity in Nevada
60%
45%
25%
15%
8%
Quotes are for sample purposes only. Prices are the average monthly rate in Nevada for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply for a Nevada Medicare Supplement Plan?
The best time for Nevada beneficiaries to enroll is during their personal Medigap Open Enrollment Period. This six-month enrollment period starts the first month that a beneficiary is enrolled in Medicare Part B and is at least 65 years old, and it cannot be changed or repeated.
Beneficiaries receive guaranteed issue rights when enrolling during their Initial Enrollment Period, which means that they cannot be denied coverage or charged more by insurance companies. The Medicare insurance company cannot consider their current health or pre-existing conditions when determining their Medigap rates, and beneficiaries are guaranteed enrollment in the plan of their choice.
There are a few other instances where some beneficiaries may have guaranteed rights such as losing group coverage, moving out of a plan's service area, or your insurance provider going out of business. If you fall into one of these categories, you may be eligible for a Special Enrollment Period.
If You are Under 65
If you are under 65, you may not be able to sign up for a Medigap plan unless you have a qualifying disability or ESRD (end-stage renal disease). Several states are required to sell at least one Medigap to beneficiaries under 65 with a disability. If you live in one of these states, your six-month Open Enrollment Period begins when your Part B coverage starts.
Nevada Birthday Rule
In Nevada, the birthday rule allows you to switch your Medigap plan annually during a certain window, which starts the first day of your birthday month and lasts for 60 days afterwards. During this time, you can switch your current Medigap plan to any plan of equal or lesser value with any carrier. For instance, you can switch from Plan G to Plan N with any carrier, but you cannot switch from Plan G to Plan F, because Plan F has a higher value than Plan G.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
FAQ
Medicare Supplement plans range in premiums from $97 to $189 monthly. However, the exact cost of a plan will depend on the provider and plan type and factors such as your age and location.
Aetna, Cigna, and Mutual of Omaha. All three companies offer a variety of plans designed to help seniors bridge the gap between what Medicare covers and their out-of-pocket costs.
Premiums for Plan G range from $142 to $169 per month. Premiums can be higher or lower depending on age, gender, tobacco history, and location.
It's best to change your Medigap plans during your open enrollment period or when you qualify for guaranteed issue rights so that you're not subject to medical underwriting. If you try to make changes outside of these periods, you may face higher costs or be refused coverage based on your health history.
Yes, suppose you apply for a Medigap Plan outside your open enrollment period or do not qualify for guaranteed issue rights due to other circumstances. In that case, you may be denied coverage or charged a higher premium based on your health history.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
Article Resources:
- Mutual of Omaha Medicare Supplement Plans
- Aetna Medicare Supplement Plans
- Cigna Medicare Supplement Plans
- How Much Does a Medigap Plan Cost?
- When Can I Apply for a Medicare Supplement Plan?
- When Can I Change Medigap Plans?
- Can I Be Denied Medigap Coverage?
- CMS Medicare Services
- Nevada Medicare Supplement Insurance Guide
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors, such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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