Nevada Medicare Insurance Plans
Medicare Supplement Insurance (Medigap) Policies
Nevada does not mandate plan providers to sell Medicare Supplement Insurance (or Medigap) policies to Medicare recipients under age 65. Some plan providers may still offer Medicare supplement options to those under 65, but they may charge higher costs or set other restrictions that do not apply to those 65 and older, or they may deny your application.
Medicaid is Nevada’s health insurance program for low-income individuals and families.The Nevada Department of Health and Human Services expanded Medicaid eligibility to include low-income adults in order to make free or low-cost health insurance available to more residents. ACCESS Nevada is the state’s online application portal for Medicaid and other benefits.
Mini-COBRA Policies (Small Group)
The Nevada Continuation of Coverage law requires small employers (less than 20 employees) to offer continuation coverage for a maximum of 18 months to employees who were covered under the company’s group insurance plan for at least three months immediately prior to coverage ending.
Medicare Savings Program in Nevada
Nevada offers four Medicare Savings Programs that individuals who qualify may apply for through the Nevada Department of Health and Human Services Division of Health Care Financing and Policy. The qualification standards are:
- Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $958 or couples with a monthly income under $1,293 who are receiving Medicare Part A, the state pays all premiums, deductibles, copayments, and coinsurance for Medicare Parts A and B.
- Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income between $958 and $1,149 or couples with income between $1,293 and $1,551 per month who are receiving Medicare Parts A and B, the state pays the Medicare Part B premium.
- Qualified Individuals (QIs): For individuals with a monthly income between $1,149 and $1,293 or couples with income between $1,551 and $1,745 a month who are receiving Medicare Parts A and B, the state pays the Medicare Part B premium.
- Qualified Disabled and Working Individuals (QDWIs): For individuals with a monthly income under $1,915 and couples with income under $2,585 who lost disability benefits due to earnings and are eligible to enroll in Medicare Part A, the state pays the Medicare Part A premium.
Nevada State Health Insurance Assistance Program (SHIP)
Nevada SHIP is a state-wide program through the Aging and Disability Services Division of the Department of Health and Human Services. Volunteer counselors provide free one-on-one assistance for seniors and their families, as well as answers to common Medicare questions like choosing a plan and processing claims. The SHIP program also actively participates in community outreach and refers to other state and community service providers.
Low-Income Subsidy (Extra Help) for Prescription Drugs
In 2015, the low-income subsidy for Extra Help with prescription drugs in Nevada is $24.25.
If you live in Nevada and have questions about the benefits listed above or how to choose the health care coverage that’s best for you, consult with one of our Medicare specialists for customized guidance. Our knowledgeable team members can help you compare Nevada Medicare insurance plans and ensure you find the plan that meets your needs.