Updated: February 25, 2026
Advertising & Editorial Disclosure
Alignment Health Plan is the top HMO Medicare Advantage provider in Nevada with a 5-star CMS rating.
Cigna HealthCare is the best HMO-POS provider in Nevada. UnitedHealthcare has the best PPO options, giving you more 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 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
The right plan depends on your medical needs, budget and preferred level of provider access. These factors can help narrow your options:
Call your doctors and hospitals directly to confirm they're in the plan's network, not just affiliated with the insurer.
A $0 premium plan can still cost more overall through copays and deductibles.
Check the formulary to confirm your prescriptions are covered and note which tier each drug is in. Higher-tier medications cost more, and some require prior authorization before the plan pays.
An HMO gives you the lowest premiums and routes all care through your primary doctor. Go with an HMO-POS if you want occasional out-of-network flexibility. PPO plans work best if you travel frequently or want to see specialists without a referral.
Read more: Types of Health Insurance Plans
Star ratings measure plan quality, service and member satisfaction on a 1-to-5 scale. Plans with 4 or 5 stars provide superior care and customer service.
Nevada plans can include extra benefits like dental coverage, vision care, fitness memberships and over-the-counter health item allowances.
Out-of-pocket maximums cap your annual medical spending, limiting how much you pay for covered services each year. Plans with lower caps give you stronger financial protection but charge higher monthly premiums.
The plan type you choose primarily affects your Medicare Advantage costs. HMO plans are the most affordable option in Nevada, with $8 average monthly costs and $2,463 average out-of-pocket maximums. HMO-POS plans average $3 monthly, with the lowest out-of-pocket limits at $2,059, while PPO plans average $5 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 |
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 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.
