Key takeaways

  • Nevada residents have multiple Medicare options, including Original Medicare (parts A and B), Medicare Advantage (Part C), Medicare Part D (prescription drug coverage), and Medigap plans, allowing them to choose the coverage that best fits their needs.
  • When selecting a Medicare plan in Nevada, it’s important to consider individual healthcare costs, needs, and plan quality ratings to ensure the chosen plan provides adequate coverage and meets your needs.
  • Eligibility for Medicare in Nevada extends to individuals 65 and older, as well as certain younger adults with disabilities or chronic conditions, with enrollment opportunities available during an initial enrollment period, an open enrollment period, and special enrollment periods.

Medicare is a health insurance program for people 65 and older, as well as people of any age who have certain health conditions and disabilities.

It’s made up of four parts:

  • Part A (hospital insurance) and Part B (medical insurance) are known as Original Medicare
  • Part C, also known as Medicare Advantage, is an alternative to Original Medicare
  • Part D, which is prescription drug coverage

You can also purchase a supplemental insurance plan (Medigap) to help cover the out-of-pocket costs associated with Original Medicare.

Snapshot of Medicare in Nevada

The Centers for Medicare & Medicaid Services (CMS) reported the following information on Medicare trends in Nevada for the 2026 plan year:

  • A total of 612,400 residents of Nevada are enrolled in Medicare.
  • In Nevada, the average Medicare Advantage monthly premium decreased compared with last year, changing from $2.30 in 2025 to $1.06 in 2026.
  • There are 105 Medicare Advantage plans available in Nevada for 2026, compared with 97 plans in 2025.
  • Around 97.4% of Medicare enrollees in Nevada have access to Medicare Advantage plans, including ones with $0 monthly premiums.
  • There are 10 stand-alone Part D plans available in Nevada for 2026, with a monthly premium of $0 being the lowest.
  • Around 89.3% of people with a stand-alone Part D plan have access to a plan with a lower premium than they paid in 2025.
  • Approximately 22.4% of individuals with a stand-alone Part D plan receive Extra Help.

Medicare is more than just one part. Different plans and components cover various aspects of your healthcare.

  • Original Medicare: Original Medicare is managed by the federal government and includes two main parts: Part A (hospital insurance) and Part B (medical insurance). Neither part covers prescription drugs.
  • Medicare Advantage (Part C): Medicare Advantage plans are provided by Medicare-approved private insurance companies and offer the same coverage as Original Medicare. They may also cover benefits like vision, dental, or prescription drugs. Some plans have limited provider networks, so confirm your doctors and facilities are in-network before enrolling.
  • Medicare Part D: Medicare Part D is also offered by Medicare-approved private insurance companies and provides prescription drug coverage. If you have Original Medicare, you can purchase a stand-alone Part D plan. If you have a Medicare Advantage plan without prescription drug coverage, you can speak with your insurer to verify if you can purchase a stand-alone Part D plan.
  • Medicare supplement (Medigap): Medigap plans help cover some of the costs associated with Original Medicare, which might include copays and coinsurance. Medigap plans are standardized in most states, and you can choose among 10 plans to supplement Original Medicare. You cannot use Medigap with Medicare Advantage.

For all private Medicare options, availability varies by county, so check Medicare.gov for what’s available in your area.

If you live in Nevada, you can qualify for Medicare at age 65 years if you’re a U.S. citizen or legal resident for at least 5 years. If you’re under 65 years, you may also qualify through disability or by living with end stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS).

When choosing a plan, consider provider networks, costs, and quality ratings. You may be able to join a plan or modify your coverage during one or more of the following enrollment periods:

  • Initial enrollment: Enroll 3 months before to 3 months after the month of your 65th birthday.
  • Open enrollment: Join or change plans from October 15 to December 7.
  • Medicare Advantage open enrollment: Switch Medicare Advantage plans or return to Original Medicare from January 1 to March 31, if you already have Medicare Advantage.
  • Special enrollment period: Enroll after a life change, such as losing job-based coverage.

If you’re eligible for Medicare due to a disability, you’ll be automatically enrolled. If you’re eligible based on age, you’ll need to enroll yourself.

The following resources in Nevada can help you make the best Medicare decisions for your circumstances:

If you live in Nevada, you can choose from a number of different Medicare options, including Original Medicare (parts A and B), Medicare Advantage (Part C), and Medicare Part D (drug coverage).

Various private insurance companies in Nevada offer Medicare Advantage plans.

There are also Medigap plan options available if you live in Nevada and are looking for additional coverage. However, please note that you cannot have both a Medigap and a Medicare Advantage plan simultaneously.