Medicare in Las Vegas

Medicare Store Locations

Medicare in Las Vegas

When you’re looking for your Medicare options in Las Vegas, The Medicare Store makes it easy.  Our services cost you nothing. We’ll show you the plans, let you compare them, and we answer your questions until you’re confident that you’re on the best plan for you.

Medicare Store Locations

Medicare in Las Vegas

When you’re looking for your Medicare options in Las Vegas, The Medicare Store makes it easy.  Our services cost you nothing. We’ll show you the plans, let you compare them, and we answer your questions until you’re confident that you’re on the best plan for you.

Medicare in Las Vegas

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Las Vegas Medicare Store Locations

The Medicare Store serves the Medicare insurance needs of more than 10,000 locals. We know Medicare in Las Vegas. 

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Las Vegas Medicare Store Events

We love the Las Vegas community. Come visit with us at one of our events including:
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Medicare in Las Vegas

Las Vegas, Henderson, and the surrounding areas in Clark County are home to more than 2 million residents. Approximately 1 in 6 Southern Nevada residents are age 65 or older and could qualify for Medicare.

Medicare is a national health insurance for seniors and qualified people with disabilities. Usually, when people want to know about Medicare in Las Vegas, they are enrolled in Original Medicare Parts A & B. Then they often decide they want to know more about a Medicare Advantage Plan (Part C), prescription drug coverage (Part D), and Medicare Supplement Insurance (Medigap).

When someone is looking for Medicare in Las Vegas, they want to learn how Medicare works and what their insurance options are. There are different Medicare insurance plans throughout the nation so they need to know which plans are specifically for Medicare in Las Vegas – or for Medicare in Clark County and Southern Nevada.

There’s a lot to know when it comes to signing up for Medicare and choosing a Medicare plan in Las Vegas. 

 

PEOPLE WITH MEDICARE IN LAS VEGAS

With a large population of people on Medicare in Las Vegas, the Medicare health insurance plan preferences differs greatly. Some people are on Original Medicare only. Most people choose either a Medicare Advantage Advantage Plan or a Medicare Supplement plan – both are offered by  private insurance companies.

Just like in other cities, there are certain requirements that Las Vegas residents must meet in order to be eligible for Medicare coverage in Las Vegas. 

Beneficiaries

To be eligible for Medicare, a person need to be a Medicare beneficiary. A Medicare beneficiary is someone who is enrolled in Medicare Part A and/or B. When someone has Part A and Part B, they have Original Medicare. Original Medicare covers some medical expenses, but not all. Medicare beneficiaries in Las Vegas who only have Original Medicare may be required to pay coinsurance and copays for some services.

To qualify as a Medicare beneficiary in Las Vegas, a person must:

  • be a U.S. citizen or resident for five years or more
  • be 65 years of age or older

Some people may also be eligible for Medicare if they are under 65 and have received Social Security Disability Insurance (SSDI) for 24 months or have End-Stage Renal Disease (ESRD).

 

MEDICARE OPTIONS IN LAS VEGAS

Medicare options in Las Vegas depend on personal preferences and information. A person can choose to stick with the basic coverage of Original Medicare. Or, they can choose to purchase supplemental insurance from a private insurance company. They also need to consider how their prescription medications can be covered by their Medicare plan in Las Vegas. There are four major Medicare plan coverage options: Parts A through D.

Medicare Part A and B

The core components of Original Medicare are Parts A and B. Part A is the hospital portion of Original Medicare. Part B is the medical insurance part of Original Medicare. 

For most people who are on Medicare in Las Vegas, Part A does not have a premium. If someone has worked and paid taxes into the Medicare program for at least 40 quarters, they don’t have to pay a Part A premium. If someone has worked for less than 30 quarters, they may have to pay a premium of approximately $437 per month. If someone has worked between 30-39 quarters, they may have to pay a premium of approximately $240 per month.

Nationwide, including people on Medicare in Las Vegas, Part A for hospital coverage has a deductible of approximately $1,364 per year. So someone on Medicare in Las Vegas would pay the deductible amount out of their own pocket before Original Medicare would start paying. After the deductible is met, someone on Medicare nationwide and in Las Vegas is covered for up to 60 days of care. After 60 days, the cost is about $341 per day up to day 90. Then, for people on Medicare across the nation, including people on Medicare in Las Vegas, after day 90 in the hospital and when they’ve used up their “lifetime reserve days”, they are responsible for all costs.

Original Medicare Part B is standardized nationwide and includes people on Medicare in Las Vegas. Part B is the medical insurance portion and the premium is typically $135.50 per month. The Part B premium can vary based on income, though, so people on Medicare in Las Vegas could pay more. The deductible for Part B is approximately $185 per year. When someone on Medicare meets their deductible nationwide and in Las Vegas, they pay 20% of the costs associated with doctor’s visits and other outpatient care. The other 80% of their costs is covered by Original Medicare. This guideline is the same whether someone is on Medicare in another city or in Las Vegas.

Part C

Many people with Medicare in Las Vegas choose additional coverage after they sign up for Original Medicare. They choose between a Medicare Advantage Plan and a Medicare Supplement Plan for their Medicare Insurance in Las Vegas. A Medicare Advantage plan is from a private insurance company and is often referred to as Medicare Part C or sometimes MAPD (when it includes a Prescription Drug Plan). Medicare Advantage plans in Las Vegas follow many of the same rules as plans nationwide. They are required to offer the same minimum benefits as Original Medicare. In addition to offering the same benefits as Original Medicare, Medicare Advantage plans in Las Vegas may also include additional benefits, such as dental or vision care, or prescription drug coverage.

To decide which Medicare Advantage Plan in Las Vegas might be right for someone, we recommend they do a cost and benefits comparison. They should consider deductibles, copays, whether their doctor is in the plan network and the costs of their prescription drugs on that plan.

People can use online tool to search for Medicare Advantage plans in Las Vegas with or without prescription drug coverage. But Medicare is complicated, so The Medicare Store is also ready to provide Medicare plan information to locals in Las Vegas.

It is important to know that even when someone chooses a Medicare Advantage Plan to replace original Medicare, they must still pay their Part B monthly premium. Although many Medicare Advantage plans in Las Vegas have $0 premiums, some don’t. People on Medicare in Las Vegas who have a Medicare Advantage Plan must also pay the premium for their Medicare Advantage plan.

Medicare Supplement Insurance

If someone doesn’t feel that a Medicare Advantage plan in Las Vegas is right for them, they can consider Medicare Supplement Insurance, or Medigap. Instead of using a private insurance company to  manage their health insurance through a Medicare Advantage Plan in Las Vegas, some people purchase a plan to cover the “gaps” in costs that Original Medicare doesn’t cover. For example, someone in Las Vegas can choose a Medicare Supplement plan that helps pay for copays and coinsurance costs that Original Medicare would not cover. Some people also choose Medicare Supplement plans so they can see any doctor who accepts Medicare in Las Vegas.

Medicare Supplement plans are standardized from state to state – and also in Las Vegas. Medicare Supplement plans are labeled by alphabetical letters. The plans of the same letter offer the same benefits regardless of which insurance company someone chooses. 

Within the realm of Medicare Supplements, the different plan benefits can vary widely by letter. Someone can choose a comprehensive plan with high premiums and few out-of-pocket costs, or a plan with a low monthly premium that covers fewer expenses. The best plan for you will depend on how often you expect to see a doctor and whether your doctor charges “excess charges” beyond the approved rates.

You can use this guide to compare Medigap premiums in Las Vegas for 2019. We can help you enroll in the plan of your choice.

Medicare Part D

Finally, there’s Medicare Part D, which offers prescription drug coverage. This plan is optional, and you’ll have to get it from a private insurer. 

As with Part C and Medigap, you’ll have to do some research to find out which plan is the best fit for your prescription drug needs. Not all plans cover all prescriptions, so make sure the plan you choose covers from the drugs that you take or offers comparable alternatives.

You can purchase prescription drug coverage as part of a Medicare Advantage plan, or you can buy standalone coverage to supplement your Original Medicare plan. You can sign up when you first enroll in Medicare, or during the Annual Enrollment Period from October 15 – December 7.

You have more opportunities to switch prescription drug plans than you do other Medicare plans, and your insurer must notify you if they stop covering your prescribed drugs.

 

APPLYING FOR MEDICARE IN LAS VEGAS

There are several ways to get Medicare coverage in Las Vegas. Regardless of which plan you’re applying for, it’s important to apply during your initial enrollment period to get the best coverage and most affordable premium.

You can apply for Original Medicare online via Social Security, or compare quotes from private insurers if you’re applying for Medicare Advantage.

Enrollment Periods

For most people, the best time to enroll in Medicare is just before or after your 65th birthday. If you’re already receiving Social Security retirement benefits when you turn 65, then you should automatically be enrolled in Medicare Part A.

If not, you’ll have 7 months to apply for Parts A and B, beginning 3 months before your birthday and ending three months after it. If you don’t apply during this window, you can apply during the open enrollment period from January 1st to March 31st, but your Part B premium will increase by 10% for each year you delay.

The only exception is if you or your spouse are still working and have insurance through your employer or your spouse’s employer. If that’s the case, you can still choose to enroll in Part A (since there’s no premium, it will provide you additional insurance at no extra cost) and you’ll have an 8-month window during which to enroll in Parts A and B once you stop working or no longer receive coverage through your employer.

Once you are 65 years old and have signed up for Medicare Part B, you have six months to purchase Medicare Supplement Insurance (Medigap) if you choose to. It’s important to sign up during your initial enrollment period – otherwise, you’ll be subject to medical underwriting: your insurance can decline you or charge you a higher premium based on your health status. The initial enrollment period is the only time they are required by law to insure you.

You’ll also be able to sign up for a Medicare Advantage plan and Prescription Drug plan during your initial enrollment period when you turn 65 or lose employer coverage.

Getting Assistance

We can help you.

We do this stuff for a living, and we help people with Medicare plans every day, so please feel free to reach out to us here.

If you’re a low-income resident, then you may also be eligible for a Medicare Savings Program through the state of Nevada to help you pay your premium.

Start during your research now so you’ll be well informed of your options, and can choose the Medicare plan that’s right for you. Be sure to apply as soon as you become eligible (three months before you turn 65) to avoid any gaps in your coverage.

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