Nevada Medicare Insurance Plans

Medicare Supplement Insurance (Medigap) Policies

The state flag of Nevada | Nevada Medicare Insurance Plans

Nevada does not mandate plan providers to sell Medicare Supplement Insurance (or Medigap) policies to Medicare recipients under age 65. Some plan providers may still offer Medicare supplement options to those under 65, but they may charge higher costs or set other restrictions that do not apply to those 65 and older, or they may deny your application.

Mini-COBRA Policies (Small Group)

The Nevada Continuation of Coverage law requires small employers (less than 20 employees) to offer continuation coverage for a maximum of 18 months to employees who were covered under a company group insurance plan for at least three months immediately prior to coverage ending.

Medicare Savings Program in Nevada

Nevada offers four Medicare Savings Programs that individuals who qualify may apply for through the Nevada Department of Health and Human Services Division of Health Care Financing and Policy.

The following data is from 2016 and is based on federal amounts.  These amounts may increase in 2017.  If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.*

  • Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,010 or couples with a monthly income under $1,355 who are receiving Medicare Part A, the state pays all premiums, deductibles, copayments, and coinsurance for Medicare Parts A and B.
  • Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income under $1,208 or couples with a monthly income under $1,622 who are receiving Medicare Parts A and B, the state pays the Medicare Part B premium.
  • Qualified Individuals (QIs): For individuals with a monthly income under $1,357 or couples with a monthly income under $1,823 who are receiving Medicare Parts A and B, the state pays the Medicare Part B premium.
  • Qualified Disabled and Working Individuals (QDWIs): For individuals with a monthly income under $4,045 and couples with income under $5,425 who lost disability benefits due to earnings and are eligible to enroll in Medicare Part A, the state pays the Medicare Part A premium.

*Data from Medicare.gov

**According to Secure.ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.

Nevada State Health Insurance Assistance Program (SHIP)

Nevada SHIP is a state-wide program through the Aging and Disability Services Division of the Department of Health and Human Services. Volunteer counselors provide free one-on-one assistance for seniors and their families, as well as answers to common Medicare questions like choosing a plan and processing claims. The SHIP program also actively participates in community outreach and refers to other state and community service providers.

Low-Income Subsidy (Extra Help) for Prescription Drugs

In 2016, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple).

If you live in Nevada and have questions about the benefits listed above or how to choose the health care coverage that meets your needs, consult with one of our licensed sales agents for customized guidance. Our knowledgeable team members can help you compare Nevada Medicare insurance plans and ensure you find the right plan.