Updated: January 27, 2026
Advertising & Editorial Disclosure
Alignment Health Plan is the top HMO Medicare Advantage provider in Nevada with a perfect 5-star CMS rating.
Cigna HealthCare is the best HMO-POS provider in Nevada, while UnitedHealthcare has the best PPO options providing greater flexibility in choosing doctors.
Verify your doctors and medications are included before enrolling in a Nevada Medicare Advantage plan. After that, weigh monthly premiums, out-of-pocket limits, network size and prescription benefits to choose a plan that meets your needs.
Our analysis of Nevada’s top Medicare Advantage plans shows strong options across all major plan types. When selecting top providers, we carefully considered CMS star ratings, monthly premiums, maximum out-of-pocket costs, and coverage features.
Alignment Health Plan is the best HMO provider in the state with a 5-star rating, no monthly premium, and a low average maximum out-of-pocket (MOOP) limit of $1,730. For HMO-POS plans, Cigna ranks highest, while UnitedHealthcare leads for PPO options.
| HMO | Alignment Health Plan | 5.00 | $0 | $1,730 | Alignment Health + Intermountain Health (HMO) |
| HMO-POS | Cigna HealthCare | 4.00 | $0 | $2,000 | HealthSpring Premier (HMO-POS) |
| PPO | UnitedHealthcare | 4.50 | $0 | $6,433 | AARP Medicare Advantage from UHC NV-0009 (PPO) |
Medicare Advantage plans differ from Original Medicare by bundling hospital, medical and prescription coverage through private insurers. These Part C plans must cover everything traditional Medicare does while adding dental, vision and hearing benefits.
Best HMO
CMS Star Rating
Plan Types
Best HMO-POS
CMS Star Rating
Plan Types
Best PPO
CMS Star Rating
Plan Types
Finding the best plan for you requires balancing your medical needs, budget constraints and how much provider choice you want. Evaluate these elements when selecting Nevada coverage:
Contact your doctors and hospitals to verify they're in the plan's network, not just with the insurance company generally.
Plans with no premium may carry higher out-of-pocket costs through copays and deductibles.
Review the drug list to verify your prescriptions are included and check which tier they're in. You'll pay more for higher-tier medications, and some drugs need prior approval from the plan.
Pick an HMO plan type for the lowest premiums and coordinated care through your primary doctor. HMO-POS works if you want occasional out-of-network flexibility, while PPO suits frequent travelers or those wanting unrestricted specialist access.
Star ratings measure plan quality, service and member satisfaction on a 1-5 scale. Higher-rated plans—especially those with 4 or 5 stars—deliver superior care and customer service.
Plans often add benefits like dental coverage, vision care, fitness memberships and allowances for over-the-counter health items in Nevada.
Out-of-pocket maximums protect you from excessive medical expenses by capping what you pay annually. Plans with lower caps offer stronger financial protection but charge higher monthly premiums.
The plan type you choose is the main factor influencing Medicare Advantage costs in Nevada. HMO plans are the most affordable option with $8 average monthly costs and $2,463 average out-of-pocket maximums. HMO-POS plans run just $3 monthly on average with the lowest out-of-pocket limits at $2,059, while PPO plans cost $5 average monthly but have much higher $5,843 average MOOP limits
| HMO | $0 | $8 | $2,463 |
| HMO-POS | $0 | $3 | $2,059 |
| PPO | $0 | $5 | $5,843 |
You'll find answers to common questions about Medicare Advantage enrollment, what's covered and enrollment periods for residents.
Enroll through Medicare.gov, contact insurers directly, or work with a licensed agent during Annual Enrollment (Oct. 15 to Dec. 7) or other qualifying periods.
Medicare Advantage plans cover everything Original Medicare does, plus most include prescription drugs and extra benefits like dental, vision, and fitness memberships.
Medicare Advantage replaces Original Medicare with bundled coverage from private insurers, while Medicare Supplement (Medigap) works alongside Original Medicare to cover deductibles and copays.
Nevada residents can enroll in Medicare Advantage during the Annual Enrollment Period from Oct. 15 to Dec. 7, with additional enrollment opportunities from Jan. 1 to March 31.
We analyzed Medicare Advantage plans using a weighted scoring system that prioritizes affordability and quality. Our methodology scores three main factors to help you find plans that offer the best value for your health care needs.
This scoring system helps you compare plans objectively while accounting for what matters most: what you'll pay and the quality of care you'll receive.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
