Nevada residents enrolled in Medicare Part A and Part B may have the option of enrolling in a Medicare Supplement (Medigap or MedSupp) plan to cover the health-care out-of-pocket costs that Original Medicare does not cover, such as deductibles, copayments, and coinsurance. In most states, including Nevada, there are ten standardized Medigap policy options, each labeled with a letter. All plans with the same letter designation offer the same benefits.
For example, if you buy a Medigap Plan G from one health insurance company in Reno (Washoe County), it will have the same benefits as a Medigap Plan G in Las Vegas (Clark County), even if it’s offered by a different insurance company. However, costs and availability may vary among plans.
How Medigap plans work in Nevada
As a Medicare beneficiary in Nevada (as in the other states), you can apply for a Medigap plan at any time, but you can avoid medical underwriting by applying during certain times. It’s generally best to apply during your Medigap Open Enrollment Period, which begins on the first day of the month that you are at least 65 years old and enrolled in Medicare Part B, and lasts for six months. During this period, you have the “guaranteed issue right” to enroll in a Medigap plan, meaning that insurance companies may not deny or charge more for coverage because of a pre-existing condition. In some cases, waiting periods might apply.
Here are some quick tips about applying for Medigap plans:
- If you apply for a Medigap plan outside of your Open Enrollment Period, you may be subject to medical underwriting, denied coverage, or charged a higher plan premium because of any pre-existing conditions.
- In some situations, you may have a guaranteed issue right to join a Medigap plan. For example, if you were enrolled in a Medicare Advantage plan and moved out of the plan’s service area.
- You must be enrolled in Original Medicare, Part A and Part B, and continue paying your Part B premium (as well as your Part A premium if this applies to you).
Be aware that Medigap plans sold today don’t include prescription drug coverage. You can enroll in a stand-alone Medicare Part D Prescription Drug Plan if you’d like this kind of coverage. As in all states, Medicare Part D Prescription Drug Plans in Nevada are available through private insurance companies that contract with Medicare.
Types of Medigap plans in Nevada
Here’s a chart showing the 10 types of Medigap policies and the benefits associated with each. In this chart, X indicates that the service is covered; a percentage indicates what portion of the service is covered; and a blank cell means the service is not covered.
|Medicare Supplement Plans|
|Medicare Supplement Benefits||A||B||C||D||F*||G||K||L||M||N|
|Medicare Part A coinsurance and hospital costs up to an additional
365 days after Medicare benefits are exhausted
|Medicare Part B copayment or coinsurance||X||X||X||X||X||X||50%||75%||X||X***|
|First three pints of blood||X||X||X||X||X||X||50%||75%||X||X|
|Medicare Part A hospice care coinsurance or copayment||X||X||X||X||X||X||50%||75%||X||X|
|Skilled nursing facility (SNF) care coinsurance||X||X||X||X||50%||75%||X||X|
|Medicare Part A deductible||X||X||X||X||X||50%||75%||50%||X|
|Medicare Part B deductible||X||X|
|Medicare Part B ‘excess charges’||X||X|
|Foreign travel emergency coverage (up to plan limits)||80%||80%||80%||80%||80%||80%|
|Medicare Part B preventive care coinsurance||X||X||X||X||X||X||X||X||X||X|
|Out-of-pocket limits apply**|
- Medigap Plan F is also available as a high-deductible plan, under which you pay Medicare-covered costs until you reach the deductible amount. After that, your Medigap plan begins to cover your out-of-pocket costs as listed in the table above.
- Medigap Plans K and L have out-of-pocket limits. After you reach this limit, the plan pays all of your Medicare-covered services as shown in the above chart for the rest of the year.
- Medigap Plan N pays all of your Medicare Part B coinsurance or copayment costs with these exceptions:
- Doctor visits – $20
- Emergency room visits – up to $50
To start comparing Medicare Supplement plans in Nevada today, enter your zip code above for a customized list of plans available in your area.
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.