Best Medicare Supplement Plans in Nevada (2026)

Key Takeaways

Plans F, G and N from LifeShield National offer the most affordable Medicare Supplement options among Nevada's most popular policies, with monthly savings ranging from $52 to $155 compared to state averages.

State Farm, USAA, Transamerica and Aetna provide the best pricing for Plans A, B, C, D, K, L and M across Nevada.

At age 65, Nevada residents pay anywhere from $34 to $700 monthly for Medigap coverage based on which plan type they select.

Best Cheap Medicare Supplement Companies in Nevada

Monthly premiums for 65-year-olds across Nevada's Medicare Supplement options range from $90 to $231, with affordable plans giving strong financial protection. We analyzed the lowest-cost providers across 10 standardized plan types to help you find the best rates.

LifeShield National has the best rates across three popular plans: Plan N at $117 per month, Plan G at $160 per month and Plan F at $192 per month. USAA has Plan A, while Aetna covers Plan B. State Farm has Plans C and D, and Transamerica covers Plans K, L and M with competitive pricing. These low-cost options save Nevada seniors $0 to $155 per month compared to average state rates.


USAA	A	$122	$103	Attained Age Pricing
Aetna	B	$222	$78	Attained Age Pricing
State Farm	C	$231	$109	Attained Age Pricing
State Farm	D	$180	$51	Attained Age Pricing
LifeShield National	F	$192	$155	Attained Age Pricing
LifeShield National	G	$160	$52	Attained Age Pricing
Transamerica	K	$90	$30	Issue Age Pricing
Transamerica	L	$133	$58	Issue Age Pricing
Transamerica	M	$164	$0	Issue Age Pricing
LifeShield National	N	$117	$125	Attained Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

LifeShield National

MoneyGeek Rating

4.5/ 5

5/5Affordability

4.1/5Pricing Style

3.7/5Plan Availability

Average Plan G Rate
$160
Plan Types
A, F, G, N

pros
- Best Plan F rates in Nevada ($192/month)
- Best Plan G rates in Nevada ($160/month)
- Best Plan N rates in Nevada ($117/month)
cons
- Doesn't offer Plans B, C, D, K, L or M
- Attained Age Pricing means your premiums increase with age
LifeShield National ranks first for three popular plans, with Plan N at just $117 monthly, Plan G at $160 per month and Plan F at $192 monthly. These rates save Nevada seniors $125, $52 and $155, respectively, compared to state averages.

LifeShield National's portfolio includes Plans A, F, G and N, covering the most sought-after coverage levels. Seniors can customize their coverage according to their specific health care needs with LifeShield National's flexible plan options.

USAA

MoneyGeek Rating

4.5/ 5

4.8/5Affordability

4.3/5Pricing Style

4.1/5Plan Availability

Average Plan G Rate
$160
Plan Types
A, F, G, N

pros
- Best Plan A rates in Nevada ($122/month)
- Strong financial stability with high ratings
- Additional benefits for military members
cons
- Doesn't offer Plans B, C, D, K, L or M
- Attained Age Pricing means your premiums increase with age
USAA has the best rate for Plan A at just $122 per month, saving eligible members $103 compared to other Nevada insurers. USAA has four plan types, including A, F, G and N, with monthly costs ranging from $122 to $283 for 65-year-olds.

USAA has an A++ Superior rating from AM Best, indicating good financial stability for long-term coverage security. But USAA Medicare Supplement plans are only available to military members and their families, which limits access for other Nevada residents.

Aetna Medicare

MoneyGeek Rating

4.3/ 5

4.9/5Affordability

3.9/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$214
Plan Types
A, B, F, G, N

pros
- Best Plan B rates in Nevada ($222 per month)
- Strong financial stability for long-term coverage security
- Wide range of plan options available
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer cost-sharing plans (K or L)
- Limited plan selection compared to other insurers
Aetna ranks first for Plan B at $222 monthly, giving $78 in savings compared to the state average for seniors seeking this mid-tier coverage option. Aetna has five plan types, including A, B, F, G and N, with premiums ranging from $74 to $334 per month for 65-year-olds.

Aetna includes additional benefits like wellness programs and discounts on health-related services, which enhance the value of its Medicare Supplement plans. Aetna has an AM Best rating of A (Excellent), indicating strong financial stability and reliability for long-term coverage needs.

State Farm

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.3/5Pricing Style

4.2/5Plan Availability

Average Plan G Rate
$180
Plan Types
A, C, D, F, G, N

pros
- Best Plan C rates in Nevada ($231 per month)
- Best Plan D rates in Nevada ($180 per month)
- Six plan types including less common but valuable options (C, D)
- Strong financial stability with good ratings
cons
- Doesn't offer cost-sharing plans (K or L) or high-value Plan M
- Attained Age Pricing means your premiums increase with age
State Farm's national brand recognition comes with six plan types and competitive rates on select coverage options. State Farm ranks first for Plan C at $231 monthly, saving Nevada seniors $109 compared to the state average, and also leads Plan D pricing at $180 per month with $51 in savings.

State Farm's complete lineup includes Plans A, C, D, F, G and N, with premiums ranging from $139 to $360 for Nevada residents. State Farm has an A++ Superior rating from AM Best, indicating very strong financial stability and claims-paying ability.

Transamerica

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$196
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- Best Plan K rates in Nevada ($90/month)
- Best Plan L rates in Nevada ($133/month)
- All plan types available
- Strong financial stability with good ratings
cons
- Attained Age Pricing means your premiums increase with age
Transamerica has all 10 standardized plan types from A through N. Transamerica has the best rates for Plan K at just $90 monthly and Plan L at $133 per month, saving Nevada residents $30 and $58, respectively, compared to other providers.

Transamerica includes comprehensive coverage options with additional benefits not commonly found in other Medigap plans. Transamerica has an AM Best rating of A (Excellent), indicating strong financial stability and reliability for long-term coverage protection.

Find Nevada Medicare Supplement Plans That Fit Your Needs

Your specific needs may differ from these popular choices. Explore the filterable table below to find the best Nevada Medicare Supplement company that matches your specific situation.

Data filtered by:


USAA	G	No	65	$160	$0	No Data
LifeShield National	G	No	65	$160	$0	No Data
State Farm	G	No	65	$180	$0	No Data
Wisconsin Physicians Service	G	No	65	$181	$0	No Data
Nassau	G	No	65	$190	$0	No Data
Anthem	G	No	65	$195	$0	No Data
Transamerica	G	No	65	$196	$0	No Data
AFLAC	G	No	65	$197	$0	No Data
MedMutual Protect	G	No	65	$198	$0	No Data
Aetna	G	No	65	$214	$0	No Data

Nevada Medicare Supplement Plan Cost

For 65-year-olds in Nevada, Medicare Supplement insurance costs range from $120 to $347 monthly depending on which plan you choose.

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

Plan N runs $242 monthly, giving a budget-friendly alternative for seniors wanting strong coverage without premium pricing. Other economical options include Plan M at $164 and Plan L at $191 monthly.


A	$225	$2,700
B	$300	$3,600
C	$340	$4,080
D	$231	$2,772
F	$347	$4,164
G	$212	$2,544
K	$120	$1,440
L	$191	$2,292
M	$164	$1,968
N	$242	$2,904

How to Choose the Best Nevada Medicare Supplement Plan

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

Most Comprehensive Coverage

Plan G: Similar to Plan F, covers everything except the Part B deductible.
Plan F: Covers all gaps, including Part B deductible and excess charges (closed to new members since 2020).

Best Value Options

Plan D: Good coverage without Part B deductible or excess charges protection.
Plan N: Extensive benefits with minor copays and lower premiums for balanced affordability.

Budget-Friendly Choices

Plan L: Comparable to Plan K with 75% cost-sharing and a lower out-of-pocket limit of $4,000.
Plan K: Most affordable premiums with 50% cost-sharing and an out-of-pocket limit of $8,000.
Plan M: Covers 50% of Part A deductible with moderate premiums.

Premium Coverage

Plan C: Covers Part B deductible and foreign travel emergency coverage (not available for new enrollees since 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Nevada Medicare Supplement Company

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

1
Customer satisfaction and complaints
Companies may have complaints about service, so these ratings help you identify trustworthy options. Examine customer feedback from J.D. Power and the NAIC. These resources provide valuable insights into insurer reliability and service quality. Check complaint ratios and satisfaction scores before making your decision.
2
Plan pricing
Identical plans cost different amounts across insurers, sometimes varying by hundreds of dollars annually. Do side-by-side comparisons of monthly premiums from multiple companies. Look for the best value without sacrificing coverage quality or service standards. Consider both current rates and historical rate increase patterns to understand long-term costs.
3
Added benefits
Insurers may include discounts on other services like gym memberships, vision care or wellness programs. These perks add value to your coverage across different policy types, including Medigap plans. While not the primary factor, these benefits can help differentiate between similar plans and give additional savings opportunities.

Nevada Medicare Resources

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.

Medicare Supplement Plans in Nevada: FAQ

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

What does Medigap cover in Nevada?

Medigap covers gaps in Original Medicare by paying for Part A and Part B deductibles, coinsurance, copayments and the first three pints of blood. Some plans also cover Part B excess charges, skilled nursing facility coinsurance and foreign travel emergencies. But Medigap excludes prescription drugs, dental, vision and long-term care services.

Are Medicare Supplement plans worth it?

Medicare Supplement plans help people who want stable costs and nationwide doctor choice. They're helpful for seniors with ongoing healthcare needs or chronic conditions who can't afford surprise medical bills. But healthy individuals with strong financial reserves might find Original Medicare's lower premiums sufficient for their situation.

When can I enroll in Medigap plans in Nevada?

You can enroll in Medigap plans in Nevada at any time throughout the year. But the optimal enrollment window is during your six-month initial enrollment period, which begins when you turn 65 and enroll in Medicare Part B. During this timeframe, insurance companies must accept you regardless of health conditions and cannot charge higher premiums for pre-existing medical issues.

Can I switch from Medicare Advantage to Medigap in Nevada?

Yes, you can switch from Medicare Advantage to Medigap in Nevada, but insurers will review your health and can deny coverage or charge higher premiums based on medical conditions. Your best opportunity is during your Medigap Open Enrollment Period at age 65 when insurers can't reject you.

Our Review Methodology

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.

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.

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.

Read Full Bio »

Best Medicare Supplement Plans in Nevada (2026)

Best Cheap Medicare Supplement Companies in Nevada

Find Nevada Medicare Supplement Plans That Fit Your Needs

Nevada Medicare Supplement Plan Cost

How to Choose the Best Nevada Medicare Supplement Plan

How to Find the Best Nevada Medicare Supplement Company

Nevada Medicare Resources

Medicare Supplement Plans in Nevada: FAQ

What does Medigap cover in Nevada?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Nevada?

Can I switch from Medicare Advantage to Medigap in Nevada?

Our Review Methodology

Related Articles