Best Medicare Supplement Plans in Nevada (2026)

LifeShield National has the lowest rates on three high-enrollment plans: Plan N at $117 per month, Plan G at $160 per month and Plan F at $192 per month. These save Nevada seniors up to $155 per month compared to state averages.

Plan G covers everything Original Medicare doesn't except the Part B deductible. Plan F covers that deductible too but is closed to anyone who became eligible after January 1, 2020. 

Nevada's Medigap market runs on Attained Age Pricing, which raises premiums as you age. Transamerica uses Issue Age Pricing for Plans K and L, which locks your rate at enrollment. Premiums for 65-year-olds range from $90 per month to $347 per month for Plan F, a $257 spread. Plans K and L cost less but pay only 50% or 75% of most cost-sharing.

*These rates reflect Medigap premiums for 65-year-olds. 
LifeShield National posts the lowest rate on three of the 10 plans (Plans F, G and N) but doesn't sell the other six. Transamerica leads Plans K, L and M at $90, $133 and $164 per month.

Plans K, L and M use Issue Age Pricing, which ties your rate to the age you enroll, not the age you are each year. The other four carriers in this table use Attained Age Pricing, which raises premiums as you get older.

Your needs may differ from these popular choices. Use the filterable table below to find the best Nevada Medicare Supplement company for your situation.

For 65-year-olds in Nevada, Medicare Supplement insurance premiums range from $120 to $347 per month.

Plan K is the cheapest at $120 per month, while Plan F costs the most at $347 monthly. Plan G, averages $212 each month and gives comprehensive coverage at a mid-range price. 

Plan N averages $242 per month, $105 less than Plan F. Other economical options include Plan M at $164 and Plan L at $191 monthly.

Plan G, ranges from $160 to $214 per month across carriers we reviewed, a $54 monthly difference for identical coverage. For a 65-year-old enrolling today, choosing the lowest-rate Plan G carrier over the highest saves $648 per year without any change in benefits.

Plan G benefits are identical across all insurers because federal regulations standardize Medicare Supplement coverage. Your choice comes down to price and company reliability.

Learn More: What Does Medicare Cover and Not Cover?

Use these three factors to separate quality Nevada Medicare Supplement insurers from budget companies that cut corners on service.

Medicare beneficiaries in Nevada have access to statewide counseling and regulatory oversight through these organizations:

• Medicare Assistance Program (MAP): Nevada's State Health Insurance Assistance Program runs under the MAP umbrella, which includes SHIP, Senior Medicare Patrol and MIPPA programs. Trained volunteers counsel beneficiaries on plan comparisons, Part D enrollment, claims appeals and low-income assistance programs. Southern Nevada residents call Dignity Health St. Rose Dominican at (702) 616-4926. Statewide toll-free number: (800) 307-4444.
• Nevada Division of Insurance: Consumer Services investigators resolve disputes between policyholders and insurance companies. The division responds to roughly 25,000 consumer inquiries annually and has recovered millions for Nevada policyholders. File complaints about claim denials, policy cancellations or premium disputes online through the secure Consumer Portal. Las Vegas: (702) 486-4009. Carson City: (775) 259-0700. Toll-free: (888) 872-3234.
• Nevada Aging and Disability Services Division: ADSD manages statewide programs for older adults and people with disabilities. The Office of Community Living links residents to home and community-based services, including Nevada Care Connection Resource Centers for long-term care planning. Contact ADSD at (888) 729-0571 or visit Nevada 211 by dialing 211 for referrals to local services.
• Medicare.gov: Compare Medicare Supplement plans available in your ZIP code using the plan finder. Search by premium costs, coverage benefits and company ratings.

MoneyGeek's Nevada rate analysis points to different answers for different situations. Five profiles cover most seniors enrolling at 65.

Plan G from LifeShield National at $160 a month is the right fit for most Nevada seniors enrolling at 65. It covers every Original Medicare gap except the Part B deductible, and at $52 below the state average, no other carrier on this list matches it for that plan.

USAA's Plan A at $122 a month is $103 below the state average, the largest savings gap in MoneyGeek's Nevada analysis. USAA restricts enrollment to those with a military connection. If you qualify, it's the strongest Plan A value in the state.

Plan N from LifeShield National at $117 a month saves $43 a month compared to the same carrier's Plan G. That's $516 per year for coverage that's nearly identical, with small copays for some visits. Seniors in good health who see a doctor a few times a year often find the math favors Plan N.

Transamerica's Plan K at $90 a month is the lowest Medigap rate in MoneyGeek's Nevada review. Plan K covers 50% of most cost-sharing with an $8,000 out-of-pocket cap. It uses Issue Age Pricing, which locks your rate at enrollment rather than raising it as you age.

Transamerica is the only carrier in MoneyGeek's Nevada review that sells all 10 standardized Medigap plan types. Its Plan G rate of $196 a month is $36 above the lowest option. No other carrier here covers Plans C, D, K, L and M alongside the standard options.

We answer common questions about Medicare Supplement insurance for Nevada residents.

MoneyGeek collected data for all Medicare plans in Nevada for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state. MoneyGeek pulled rates for all available Medigap plan types across Nevada ZIP codes using the Medicare.gov plan browsing tool. Data was collected in 2026 and reflects premiums for a 65-year-old non-smoking female enrolling during open enrollment.

We scored Medigap companies in Nevada based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.