Understanding What's Changed in 2026
Nevada residents on Medicare have more to consider this year. There are now 105 Medicare Advantage plans available in the state, up from 97 last year. Most seniors can access a $0 premium plan, and the average monthly premium has dropped to just $1.06.
That sounds like good news, but more choice doesn’t always make the decision easier. Plan differences matter — especially when it comes to prescriptions, provider networks, and out-of-pocket limits. Picking the wrong plan can lead to denied claims, unexpected costs, or limited care access.
How to Compare Plans Without the Guesswork
Choosing between Medicare Advantage, Medigap, or standalone drug coverage depends on more than just monthly premiums. It depends on how you use your care, where you live, and what your priorities are.
Medicare Advantage (Part C)
- Bundles hospital, medical, and often prescription coverage
- May include extras like dental, vision, hearing, and fitness benefits
- Premiums are low or even $0, but coverage rules vary by plan
Medigap (Medicare Supplement)
- Helps pay the out-of-pocket costs left by Original Medicare
- Offers more flexibility with providers
- Best for people who travel often or want predictable costs
Part D (Prescription Drug Plans)
- Needed if you choose Original Medicare without an Advantage plan
- Premiums vary based on your selected plan and medications
- Late enrollment penalties can apply if you skip this coverage
What to Check Before Enrolling
Comparing plans is about more than price. Here’s what to focus on:
Your Doctors and Specialists
Are they covered under the plan’s network? Some plans limit which providers you can see.
Prescriptions
Does the plan cover the medications you take, and how much will they cost at your pharmacy?
Total Yearly Costs
Premiums are just one piece. Look at the deductible, copays, and maximum out-of-pocket limit.
Benefits Beyond the Basics
Some Advantage plans offer dental, vision, hearing, or over-the-counter allowances. Others do not.
Why Local Advice Matters
National ads and phone banks don’t know which hospitals are nearby, which plans work best in Clark County or Washoe, or which carriers have strong networks in your ZIP code. Local guidance matters when you’re choosing between dozens of nearly identical plans.
At Nevada Benefits, we’re based here. We help clients across Las Vegas and Reno find the plan that fits their care, their medications, and their life.
And we don’t disappear after enrollment. We’re here if something goes wrong with your billing, if your doctor drops your plan, or if you just have a question.
Ready to Feel Confident in Your Coverage?
Let’s walk through your options and compare plans that actually work for your care needs and budget. Our Medicare experts will give you a clear answer — not a sales pitch.
