The Best Nevada Medicare Supplement Plans (2022)

When shopping for Medicare supplement plans in Nevada, there are 10 options from which to choose. However, some plans may only be available depending on when you become eligible for Medicare. In Nevada, Cigna and Aetna are the best providers for Medicare Supplement plans, also known as Medigap. You cannot purchase Medigap if you have Medicare Advantage because Medicare Advantage plans in Nevada and other states replace your entire Medicare plan, including Original Medicare.

Compare Health Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your health insurance. Compare quotes from the top insurance companies.

widget-location-pin
Last Updated: 7/1/2022
Advertising & Editorial Disclosure
By     |  

The average monthly cost of Medigap plans in Nevada is $142 for a 65-year-old and $227 for a 75-year-old. Plan F and Plan G are the most popular because they offer the most comprehensive coverage.

Plan G costs an average of $132.70 per month in Nevada for a 65-year-old, while Plan F costs $260.94 per month for a 75-year-old. You can only purchase Plan F if you were eligible for Medicare before 2020. Plan N, which costs $146.20 per month on average, is the next most popular plan since it offers similar coverages except for Medicare Part B excess charges.

MoneyGeek ranked the best options for these three plans based on average premiums and benefits. To learn more about different types of plans and coverages, you can refer to how to find the best Medicare supplement plan.

iconribbonBestMedigapNevada2022

Best Medicare Supplement Plans in Nevada

Best Medicare Supplement Plan G in Nevada

Aetna offers the best Medigap Plan G in Nevada at an average cost of $140.91 per month. Aetna also has a high deductible version of Plan G, which costs $52.76 per month.

MoneyGeek ranked the best providers in Nevada only where online quotes were available. There may be other providers in Nevada for Plan G Medigap that do not offer online quotes.

mglogo
MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $140.91

Aetna’s Plan G costs $140.91 per month, which is $20.69 cheaper than the average cost of Plan G Medigap plans in Nevada, which is $161.60 per month.

One of Aetna’s Plan G benefits is coverage for emergency foreign travel expenses. If you incur any emergency medical expenses while traveling outside the country, your plan will cover these costs up to 80% of your plan limit.

If you want to pay lower monthly premiums, you can opt for the high deductible Plan G from Aetna, which costs $45.78 per month. However, with this type of plan, you must pay for Medicare-covered costs such as coinsurance, deductibles and copayments up to a deductible of $2,490.

MORE ABOUT PLAN G IN NEVADA

Navigate to learn more about Medigap Plan G in Nevada, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Nevada

Plan G Medigap plans in Nevada cost an average of $161.60 per month. However, it is important to compare Medicare supplement plans in Nevada because rates can vary widely depending on the provider.

For instance, Aetna’s Plan G is the cheapest in Nevada at $96.80 per month, while the most expensive option, UnitedHealthcare, costs $162.10 monthly for a similar plan, which is a difference of $65.30.

The cost of Plan G Medigap in Medigap may also vary depending on other factors, including your current age, how old you are when you buy and medical underwriting factors.

Sort by Age:

65

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • Aetna
    $97
  • Humana
    $134
  • Cigna
    $148
  • Anthem
    $158
  • UnitedHealthcare
    $162

Providers Offering Plan G in Nevada

Thirty-three companies in Nevada offer Plan G Medigap, but not all of these providers have online quote options. MoneyGeek collected contact information for all providers in Nevada to help you find the best company for your needs. We also highlighted the providers’ pricing methods so you can learn which companies tend to charge more depending on age.

Providers Offering Plan G in Nevada

Scroll for more

swipe icon
  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan G Cover?

All Medigap policies have certain core benefits that are standardized across all providers. When you purchase Plan G, it will not include coverage for Medicare Part B deductibles.

Some providers may also include additional benefits apart from the standard coverages. For example, Aetna offers emergency foreign travel expenses coverage, which can be useful if you travel outside the country frequently.

Required Benefits of Plan G in Nevada
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Nevada

Cigna is the best provider for Plan F Medigap in Nevada at $210.12 per month. MoneyGeek rankings are only for companies where online quotes were available, so there may be other providers in Nevada who do not offer online quotes but have cheaper rates for Medigap Plan F.

mglogo
MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $210.12

If you purchase Plan F from Cigna, the average cost will be $210.12 per month. By selecting this plan, you will pay less than the average cost of Plan F Medigap in Nevada, which is $260.90. This means there is potential for saving up to $50.78 per month.

Cigna’s Plan F comes with additional benefits, including a health rewards program that allows you to get up to a 25% discount for eligible health and fitness programs and services. You also get access to a health information helpline. They also offer a foreign travel emergency benefit in which you can submit a claim for reimbursement if you incur medical expenses abroad.

MORE ABOUT PLAN F IN NEVADA

Navigate to learn more about Medigap Plan F in Nevada, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Nevada

Plan F in Nevada costs an average of $260.90 per month. Rates tend to vary depending on the company, so it is important to compare Medicare supplement plans in Nevada if you want to get the best rates.

Cigna’s Plan F is the cheapest in Nevada at $210.12 per month. This is $163.88 cheaper than the most expensive option, UnitedHealthcare, which costs an average of $374 per month.

Other factors that may impact Plan F costs include your age at enrollment, your current age, if you qualify for discounts and medical underwriting factors.

Sort by Age:

75

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • Aetna
    $176

Providers Offering Plan F in Nevada

In Nevada, you can buy Plan F from 34 companies but not all of them may offer quotes online. MoneyGeek collected contact information for all Plan F providers in Nevada to help you compare and find the best company for your profile. We also broke down the different pricing methods used by providers to help you figure out which companies may charge you more as you get older.

Providers Offering Plan F in Nevada

Scroll for more

swipe icon
  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan F Cover?

In Nevada and other states, all Medigap policies, including Plan F, are standardized and must have at least certain coverages. Plan F offers comprehensive protection, but it will only cover up to 80% of your emergency foreign travel expenses.

Some providers may offer additional benefits with their Plan F. For example, Cigna offers members access to a health information line and discounts on select fitness and health programs through its healthy rewards program.

Required Benefits of Plan F in Nevada
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Nevada

The best Plan N in Nevada is offered by Cigna at an average cost of $105.39 per month. MoneyGeek rankings are only for providers where online quotes were available, so there may be more providers available in Nevada that do not have online quotes.

mglogo
MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $105.39

Cigna’s Plan N costs $73.61 less than the average cost of Plan N Medigap plans in Nevada, which averages $179 per month.

Some of the benefits included in Cigna’s Plan N include a healthy rewards program that allows you to get discounts on health and wellness services such as fitness club membership, acupuncture, physical therapy and other services. Cigna members also access a health information helpline and up to 80% coverage for emergency foreign travel expenses.

MORE ABOUT PLAN N IN NEVADA

Navigate to learn more about Medigap Plan N in Nevada, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Nevada

On average you will pay $179 for Plan N in Nevada. However, actual rates tend to vary depending on the provider. Cigna is the cheapest for Plan N with average rates of $105.40. Humana is the most expensive option at $170.30. This means you could save an average of $64.90, depending on the plan you select.

How much you pay for Plan N in Nevada may also depend on how old you are when you purchase the plan, your age, medical underwriting factors and applicable discounts.

Sort by Age:

65

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • Cigna
    $105
  • Aetna
    $106
  • UnitedHealthcare
    $140
  • Anthem
    $166
  • Humana
    $170

Providers Offering Plan N in Nevada

There are 32 providers in Nevada that offer Plan N Medigap. Some providers may not offer online quotes, but we collected contact data for all companies to help you compare quotes and coverages to get the best fit. MoneyGeek also highlights the providers' pricing methods so you can understand which companies tend to charge more depending on age.

Providers Offering Plan N in Nevada

Scroll for more

swipe icon
  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan N Cover?

All Medicare supplement plans in Nevada and other states are standardized and must have certain minimum benefits. Plan N typically offers comprehensive protection, but it does not include coverage for Medicare Part B deductibles or excess charges. Plan N also will only cover up to 80% of foreign travel medical expenses.

Plans may also come with additional benefits apart from the standardized coverages. For instance, Cigna’s Plan N has a healthy rewards program that you can take advantage of to get discounts on health and wellness services.

Required Benefits of Plan N in Nevada
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Nevada: Other Plan Types

Apart from Plans F, G and N, you can also buy other Medigap Plans in Nevada, including Plan A, B, C, K and L. However, these other plans are not as popular since they do not offer comprehensive coverage.

MoneyGeek ranked the best providers in Nevada for each plan type where quotes were available. Based on our ratings, Cigna is the best company for plans C and N, UnitedHealthcare is the best company for Plans A, K, and L, Aetna is best for Plans B and G while Humana is best for Plan C.

If you are newly eligible for Medicare after January 1, 2020, you will not be able to buy Plan C in Nevada or any other state.

The Best Medicare Supplement in Nevada - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $124.59

  • B

    Aetna

    $158.03

  • C

    Humana

    $330.37

  • F

    Cigna

    $210.12

  • G

    Aetna

    $140.91

  • K

    UnitedHealthcare

    $63.89

  • L

    UnitedHealthcare

    $110.25

  • N

    Cigna

    $105.39

How to Find the Best Medicare Supplement Plans in Nevada

To help you understand Medicare supplements in Nevada, MoneyGeek created an easy comparison chart for the different plan types in Nevada. We also collected and analyzed pricing data.

Nevada Medicare Supplement Plans Comparison Chart

Different Medigap plans offer different levels of coverage, but some plan types will only be available depending on when you became eligible for Medicare. Plan F and Plan C were the most comprehensive Medigap plans but they cannot be bought by new enrollees. These plans have been replaced by Plan G and Plan D.

You can use the chart below to compare coverages and average rates.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Nevada

The cost of Medigap plans in Nevada can vary greatly depending on the plan type and company. Cigna is the cheapest option for Plan F and Plan N, while UnitedHealthcare is cheapest for Plan K, L and A. Aetna is cheapest for Plan B and Plan G, while Humana is cheapest for Plan B and Plan B and C.

The pricing methods used by providers in Nevada include:

  • Attained age: This is the most common pricing method for Medigap plans in Nevada. This pricing method bases premiums on your age, so you will pay higher premiums for your plan as you get older.
  • Issue age: Issue-age pricing method calculates premiums based on your age when you purchase the plan. If you enroll at a younger age, your premiums will be lower compared to someone who enrolls at an older age. Premiums remain consistent and will not change based on age.
  • Community rated: Community rated pricing does not factor in age, so everyone pays the same monthly premium regardless of age.
Average Cost of Medicare Supplement in Nevada

Sort by Plan Letter:

65

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $125
  • Aetna
    $138
  • Cigna
    $150
  • Anthem
    $154
  • Humana
    $180

FAQs About Medicare Supplement Plans in Nevada

We have answered some of the most common questions asked about Medicare supplement plans in Nevada to help you learn more about Medigap.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Nevada for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources