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Best Medicare Advantage Plans in Nevada for 2020

The best Medicare Advantage plans in Nevada for 2020 are designed to help senior citizens and disabled individuals who don’t want to pay a lot of out-of-pocket expenses for coinsurance, copayments (copays) and deductibles from Original Medicare. Advantage plans are a replacement option for Medicare. If you’re going to be eligible for Medicare in the near future and have been looking into Medicare Supplement plans and other plan options, you may want to look into Medicare Advantage plans in Nevada.

Many people who look into these plans, which are also known as Medicare Part C, find that they are the best option for cutting costs and improving their healthcare. Learn more about Medicare Advantage plans here on this page, and check out the rest of our website to get quotes for rates for Medicare Advantage plans. Also, don’t hesitate to give us a call and talk to one of our licensed insurance agents. We know that you’re excited and overwhelmed about becoming enrolled in Medicare Part A and Medicare Part B, and we want to help you through this exciting time in your life.

Overview of Medicare Advantage Plans in Nevada for 2020

Medicare Part A and Part B, which are known collectively as Original Medicare, cover many things. In exchange for minimal — and sometimes zero — premiums, you can enjoy much better coverage with Medicare Advantage. These are replacement Medicare plans sold by private insurance companies (like Aetna) and regulated by the government, and one of these health plans might be ideal for you.

Best Medicare Advantage Plans in Nevada: When Can You Enroll?

If you want to enroll in a Medicare Advantage plan to save on healthcare costs, you need to be aware of these important periods:

  • Medicare Initial Coverage Election Period ICEP: When you sign up and become a beneficiary of Medicare Part A and Part B, you will be given you’re first opportunity to sign up for Medicare Advantage.
  • Medicare Annual Election Period AEP: All beneficiaries are given the opportunity to sign up for, disenroll or change your Medicare Advantage policy during the period from October 15 to December 7.
  • Medicare Advantage Disenrollment Period MADP: This period has now been discontinued. Before, people who wanted to switch back to Original Medicare (Medicare Part A and Part B) from a Medicare Advantage policy could do so during this Medicare Enrollment Period.
  • Medicare Advantage Open Enrollment Period MA OEP: All new in 2019, this period will now run from January 1 to March 31st every year. You can change your MA policy during this period if you want to.
  • Medicare Special Election Periods SEP: If you lose your dual-eligible status and lose your Medicaid, an SEP will be triggered so that you can buy a Medicare Advantage policy. An SEP will be triggered in other situations, too, like if you move.

Best Types of Medicare Advantage Plans in Nevada for 2020

The best and most popular types of policies are outlined here. You’ll want to compare them before choosing a Medicare Advantage plan in Nevada.

PPO Preferred Provider Organization Plans (PPO) in Nevada

  • Networks do apply.
  • It is possible to see a doctor or hospital outside of your insurance company’s network at a higher cost
  • You will pay less when you stick to in-network doctors, hospitals and other healthcare providers.
  • No referrals are required

HMO Health Maintenance Organization Plans (HMO) in Nevada

  • You’re more likely to find a $0 premium or low monthly premium with this type of Medicare Part C policy in Nevada.
  • If you aren’t dealing with an emergency situation, you will have to choose in-network providers
  • You must get referrals from your primary care doctor (PCP).

Private Fee-for-Service PFFS in Nevada

  • How much the insurance company pays and how much you pay will be determined by the insurance company
  • You do not have network restrictions as a beneficiary of this type of policy

Special Needs Plans SNPs in Nevada

  • People with chronic health conditions or institutional conditions, such as end-stage renal disease ESRD, sign up for Special Needs Plans
  • Medicare Part D prescription drug plans must be included in these policies.

Enrollment Figures for Nevada Medicare Advantage Plans

These enrollment figures about Original Medicare (Medicare Part A and Part B) and Medicare Advantage are pretty interesting for Nevada residents:

  • The five largest counties in Nevada are Clark, Washoe, Nevada, Carson City, and Lyon.
  • There were 519,060 Medicare beneficiaries in Nevada in 2018.
  • 179,979 of Medicare beneficiaries in Nevada were enrolled in Medicare Advantage in 2018.
  • Many who don’t sign up for Medicare Advantage sign up for robust or cost-sharing Medicare Supplement policies.
  • Many beneficiaries in Nevada sign up for Part D plans, if not included in their Medicare Advantage policies. These Medicare prescription drug plans help them save money on medication costs.

How do Medicare Advantage Plans in Nevada Cover Prescription Drugs?

A lot of beneficiaries find that it’s best to sign up for one of the policies that include Medicare Advantage prescription drug plans. Of course, it’s also best to look at the prescription drug tiers and formulary to make sure you’re clear on what is and isn’t included in your prescription drug coverage.

If you opt out of signing up for a Medicare Advantage plan that includes Medicare Part D drug coverage, you can sign up for a stand-alone plan. However, you will have to pay a separate monthly premium for it.

Network Restrictions for Medicare Advantage Plan in Nevada in 2020

Before you sign up during a Medicare Advantage Enrollment Period, you’ll need to know these things about network restrictions with a Medicare Advantage plan:

  • In-Network vs. Out-of-Network Within Coverage Area: PPO Medicare Advantage plans and HMO Medicare Advantage plans are both required to provide out-of-network care when you face an emergency situation. An HMO is not required to provide out-of-network coverage and doesn’t do so. A PPO will. An HMO-POS offers more flexibility outside of the provider network service area, too.
  • Traveling With Plan: Health maintenance organization HMO plans and preferred provider organization PPO plans both cover emergency care when you’re visiting another state, even if you’re outside of your provider network. If you have a PPO, you can even get other types of care from a doctor or in a hospital when you’re traveling, but you will have to pay more in out-of-pocket costs for it.
  • Moving Across State Lines: When you move from state to state, you do not have to worry about Medicare Part A and Medicare Part B being affected. With Medicare Part C in Nevada, though, you will need to change plans if your new state does not offer your plan.

Added Benefits of Medicare Advantage Plan in Nevada

Medicare Advantage plans sometimes include extra perks. Perks like the ones listed below aren’t included with Original Medicare or Medicare Supplement insurance, so you’ll need to pick a Medicare Advantage plan if you want to potentially enjoy these benefits. Compare policies to find the policy that has the perks that you want for rates that you can afford; you can get started shopping for policies with top star ratings right here on our website!

  • Hearing care, routine vision, and dental care
  • Wellness programs
  • Silver Sneakers or other similar gym membership
  • Recommendations for diet and nutrition
  • Allowance for over-the-counter medication costs
  • Healthy living seminars and classes
  • Transportation to and from medical appointments
  • Payment of some or all of the Medicare Part B premium

Here are a few changes for 2020:

  • Starting in 2020, insurance companies that provide Medicare Advantage plans in Nevada will be able to add some supplemental non-health related benefits to certain beneficiaries, such as providing help with making structural changes to the home when needed. This is designed to help those who might need help with widening doorways or installing ramps for their homes.
  • The Centers for Medicare and Medicaid Services approved a 2.53% payment increase to Medicare insurers that offer Medicare Advantage plans in Nevada.

Top-Rated Companies Offering Medicare Part C Plans in Nevada for 2020

Since this state is famous as a retirement destination, it shouldn’t surprise you to learn that plenty of Medicare insurance companies will want to compete for your business. These are examples of companies that you may find as you search for the best Medicare Advantage Plans in Nevada for 2020:

  • Aetna: Aetna’s HMO also has earned high-quality ratings.
  • Humana: Humana has signed up almost a third of all Medicare Part C plans in Nevada.
  • Renown Health: This smaller insurance company has a 10-percent share of the state’s MA plan marketing.

As you make your comparison of different plans, you will also want to check rates. It’s also important to consider the quality star ratings that Medicare publishes for each plan. There aren’t any Medicare Advantage plans in Nevada with a 5-star rating published at this time, but you should check for updated information as 2020 approaches. As Medicare updates their ratings during Open Enrollment, you may find plans with a 5-star rating in the future.

Nevada Medicare Resources

If you’re getting ready to become enrolled in Medicare Part A and Part B, you may want to learn more about the federal Medicare programs. You can read a complete description of benefits for Medicare and can learn about extra help for low-income individuals and more by checking out these helpful links: