Residents of Nevada who are eligible for Medicare coverage can choose among various plan options, including Original Medicare, Medicare Advantage, Part D prescription drug plans, and Medicare supplement insurance.

Medicare eligibility in Nevada follows the same federal guidelines as elsewhere in the country. To be eligible, a person must be at least 65 years old or living with a qualifying disability or chronic health condition.

Learn more about the options for Medicare coverage as a resident of Nevada.

According to the Centers for Medicare & Medicaid Services (CMS), the following are some key figures about Medicare in Nevada in 2025.

  • Enrollment: There are 597,344 residents of Nevada enrolled in Medicare.
  • Medicare Advantage (Part C): There are 107 Medicare Advantage plans available in 2025, compared to 97 the prior year.
  • Part D: There are 16 stand-alone Part D plans available to residents of Nevada.
  • Extra Help: Roughly 24.35% of people enrolled in a stand-alone Part D plan get Extra Help.

Residents of Nevada have various options for Medicare coverage, including Original Medicare, Medicare Advantage, Part D, and Medigap.

Original Medicare in Nevada

Individuals eligible for Medicare may enroll in Original Medicare, which comprises Part A (hospital insurance) and Part B (medical insurance). Together, these plans meet the bulk of a person’s healthcare needs.

Part A coverage includes:

  • inpatient hospital care
  • skilled nursing facility care
  • hospice care
  • limited home healthcare

Part B coverage includes:

  • outpatient care from doctors or other healthcare professionals
  • lab and imaging tests
  • durable medical equipment (DME)
  • preventive services

Medicare Advantage plans in Nevada

Medicare Advantage plans are an alternative to Original Medicare. These plans include the same level of coverage as parts A and B while offering additional benefits, such as vision, dental, and hearing care. Most Medicare Advantage plans also include prescription drug coverage.

In 2025, the average monthly premium for a Medicare Advantage plan in Nevada is $2.44. The lowest available premium is $0. There are 107 different plan options.

Some of the organizations that offer Medicare Advantage plans in Nevada include:

  • Aetna Medicare
  • Alignment Health Plan
  • ATRIO Health Plans
  • Cigna Healthcare
  • Humana
  • Prominence Health Plan
  • SCAN Health Plan
  • Select Health
  • Senior Care Plus
  • UnitedHealthcare
  • Wellcare by Allwell

A person can explore Medicare Advantage coverage options by visiting the Medicare website and entering their ZIP code.

To assist people with selecting Medicare Advantage and Part D drug plans, CMS assigns star ratings to all the plans in each state.

The star ratings for Medicare Advantage and Part D plans are available in the CY2025 Landscape (202412) document, which is available on the Centers for Medicare and Medicaid Services (CMS) website.

In 2025, the only Medicare Advantage plans in Nevada to receive an overall star rating of 5 are certain Alignment Health Plan HMO options. Aetna Medicare and UnitedHealthcare also had plans come in at 4.5 stars.

Part D in Nevada

Medicare Part D is prescription drug coverage that individuals can purchase in addition to their Original Medicare coverage or Medicare Advantage coverage (if their plan does not include drug coverage). These plans are offered by private insurance companies.

In Nevada, there are 16 stand-alone plans available across the state. The exact plans offered to a person will depend on the county they live in.

According to the health policy research group KFF, the average Part D premium cost for plans in Nevada was $43.31 in 2024.

Medicare supplement plans in Nevada

Medicare supplement plans, also called Medigap plans, are offered by private insurance companies to assist with the out-of-pocket costs of Original Medicare. These costs include deductibles, copayments, and coinsurance.

Medigap plans are not available to people with Medicare Advantage.

Some of the organizations offering Medigap plans in Nevada in 2025 include:

  • AARP — UnitedHealthcare
  • Allstate Health Solutions
  • American Home Life Insurance Company
  • Cigna Insurance Company
  • GPM Health and Life Insurance Company
  • Humana
  • LifeShield National Insurance Company
  • State Farm
  • Transamerica Life Insurance Company
  • United American Insurance Company
  • USAA Life Insurance Company

To explore Medigap coverage options, a person can visit the Medicare website and enter their ZIP code.

Medicare resources for residents of Nevada

For further information about Medicare plan options, coverage, and costs, consider the following resources:

  • Medicare: Contact Medicare by phone at 800-633-4227 or online. Representatives are available 24/7 to offer support.
  • Nevada Medicare Assistance Program (MAP): MAP is a state program that offers free, unbiased guidance to Medicare beneficiaries in Nevada.
  • Social Security Administration (SSA): The SSA website has information about signing up, applying for Extra Help, and managing benefits.
  • Office of the Consumer Health Advocate (OCHA): Residents can receive information and answers to questions about health insurance in Nevada from OCHA via telephone at 888-333-1597.

Medicare enrollment windows are the same in Nevada as in other states. These are important periods during which people can join, switch, or drop coverage:

  • Initial enrollment period: This is a 7-month period that starts 3 months before the month of a person’s 65th birthday. If a person qualifies for Medicare through age, this is their first opportunity to join a plan.
  • Open enrollment period: From October 15 to December 7, people can switch plans or add coverage.
  • General enrollment period: Anyone who misses initial enrollment may enroll during this period.
  • Special enrollment period: Life events that may affect someone’s health insurance status can trigger a special enrollment period.
  • Medicare Advantage open enrollment: From January 1 to March 31, people enrolled in Medicare Advantage plans can switch their plan or return to Original Medicare.

In some cases, Medicare will automatically sign a person up for coverage. This can happen if they have a disability and have received Social Security Disability Insurance for 2 years or have amyotrophic lateral sclerosis (ALS).

People can join a plan by:

  • enrolling online through Medicare.gov
  • signing up through the SSA website
  • contacting the plan via phone or the web
  • calling Medicare at 800-633-4227 (TTY: 877-486-2048)

When selecting a plan, it’s important to consider factors such as:

  • Cost: Plans will have different out-of-pocket costs to consider, including monthly premiums, annual deductibles, coinsurance, and copayments. Some plans will have annual out-of-pocket maximums, whereas others will not.
  • Choice: While Original Medicare coverage works across the country with any provider who accepts Medicare, Medicare Advantage plans can put restrictions on which providers members may see.
  • Coverage: Consider coverage needs when deciding on a plan. If a person needs benefits such as vision, dental, hearing, or prescription drug coverage, they may require more than Original Medicare alone.
  • Special health concerns: Certain health conditions require tailored insurance plans. A person may wish to consider a special needs plan (SNP) if they have a condition such as diabetes or HIV.

Medicare in Nevada follows the same federal guidelines as elsewhere throughout the United States. Residents may enroll in Original Medicare or a Medicare Advantage plan.

The latter are offered by private insurance companies, and plan options vary across the state based on the county of residence. A person can also choose to add a Part D plan to cover drug costs or a Medigap plan to help with the expenses of Original Medicare.

Before picking a plan, people may consider their coverage needs, provider preferences, and cost requirements. For assistance, people can reach out to Medicare, the Social Security Administration, or Nevada’s SHIP.