I am Keith Faris, an independent Medicare specialist licensed in Nevada and 12 other states. This page covers everything you need to know about Medicare in Nevada for 2026, including costs, top carriers, local resources, and how to enroll.
Nevada Medicare At a Glance (2026)
On this page
Cities and regions we serve in Nevada
Whether you live in a major Nevada metro or a small town, we work with Nevada residents statewide by phone, video, or in person depending on location. Nevada's major regions include: Las Vegas Valley (Clark County), Reno-Sparks (Northern Nevada), Carson City Region, Rural Nevada.
Not seeing your city? We work statewide in Nevada. Call 1-888-289-1198 or send a message.
Nevada's Medicare market: what you need to know
Nevada has a 60-day birthday rule that lets you switch Medigap once a year without medical underwriting. Las Vegas Valley dominates the state's Medicare population. The state is a top retirement destination with no income tax.
Snowbird and travel note: Nevada attracts retirees year-round, particularly to the Las Vegas Valley. The mild winters mean fewer snowbirds leaving compared to colder states.
Nevada's birthday rule (60 days starting on your birthday) is one of the more generous in the country. The state also has no income tax, which lowers IRMAA pressure. SHIP services are provided through the Nevada Aging and Disability Services Division.
Top Medicare carriers in Nevada
Top Medicare Advantage carriers in Nevada
- UnitedHealthcare
- Humana
- Anthem
- Aetna
- Centene/WellCare
Top Medicare Supplement (Medigap) carriers in Nevada
- UnitedHealthcare/AARP
- Mutual of Omaha
- Anthem Blue Cross
- Cigna
- Aetna
Because we are an independent agency, we represent every major carrier in Nevada (and others). That means we can show you plans from any of these companies and find what actually fits your doctors, prescriptions, and budget. Read our guide on independent agents to learn why this matters.
Nevada's Medigap birthday rule
Nevada has a Medigap birthday rule. 60-day window starting on your birthday. This lets you switch your Medicare Supplement plan once a year around your birthday without medical underwriting.
This is a major advantage. In most states, switching Medigap after your initial 6-month enrollment window requires answering health questions. With Nevada's birthday rule, you can shop your Medigap every year and switch to a cheaper plan with the same benefits, even if your health has changed.
Learn more in our state-by-state birthday rule guide.
How much does Medicare cost in Nevada?
Medicare costs in Nevada for 2026:
- Part A (hospital): $0/month for most Nevada residents who worked 10+ years
- Part B (medical): $202.90/month standard nationwide (higher with IRMAA for higher incomes)
- Part D (drugs): $10-90/month for a plan, $2,100/year out-of-pocket cap
- Medigap (optional): Average $130-180/month for Plan G in Nevada
- Medicare Advantage: Often $0/month beyond your Part B premium
A typical Nevada resident pays $3,000-$7,000 per year total for Medicare depending on which coverage path they choose. See our complete 2026 Medicare cost guide for detailed scenarios.
Free Medicare resources for Nevada residents
- Nevada SHIP (SHIP): 1-800-307-4444 - Free, unbiased Medicare counseling
- Nevada Medicaid: 1-800-992-0900 - Medicare Savings Program applications (QMB, SLMB, QI)
- Aging services in Nevada: adsd.nv.gov
- Medicare.gov Plan Finder: Search plans available in your Nevada zip code
- Social Security Administration: 1-800-772-1213 - Medicare enrollment, Extra Help applications
How a Medicare call with Keith works
A free 20-minute call is the easiest way to find out if I can help your Nevada situation. Here is what we cover:
- A simple explanation of how Medicare actually works for Nevada residents
- The top 3 Medicare Supplement (Medigap) options in your Nevada zip code with real premium numbers
- The top 3 Medicare Advantage plans available in your county, checked against your specific doctors and prescriptions
- A side-by-side comparison so you can see the trade-offs in real dollars
- Answers to your specific questions, no scripts
- A check on whether you qualify for Nevada Medicare Savings Programs or Extra Help
- Zero obligation to enroll in anything
What I help Nevada clients with
- Medicare Supplements (Medigap) in Nevada: Plans G, N, F, High-Deductible G
- Medicare Advantage plans for Nevada: HMO, PPO, and Special Needs Plans
- Prescription Drug Plans (Part D) with annual reviews
- Senior life insurance: final expense and term
- Fixed indexed annuities
- Annual plan reviews every fall during AEP (October 15 - December 7)
- IRMAA appeals using Form SSA-44 for Nevada residents with reduced income
- Medicare Savings Programs (QMB, SLMB, QI) eligibility screening
Free Medicare tools for Nevada residents
Start on your own with these free tools (no signup required):
- Medicare Plan Picker Quiz - find out if a Supplement or Advantage plan fits you
- Medicare Timing Checker - see exactly when you can enroll
- IRMAA Calculator - find out if you will owe an income-based surcharge
- Penalty Calculator - what late enrollment would cost
- Should I Switch? Tool - decision tool for Annual Enrollment
Nevada Medicare FAQ
How much does Medicare cost in Nevada?
The Part B premium ($202.90/month in 2026) is the same nationwide. Nevada residents pay an average of $130-180/month for a Medicare Supplement Plan G. Medicare Advantage plans in Nevada are often $0/month beyond Part B. Total annual Medicare costs in Nevada typically run $3,000-$7,000 depending on your coverage choice. See our full 2026 cost guide.
How many Medicare Advantage plans are available in Nevada?
Nevada has 30-40 plans in metro areas in major metro areas. Rural counties have fewer options. 57% of Nevada Medicare beneficiaries are enrolled in Medicare Advantage plans, compared to the national average of about 51%.
Who are the top Medicare carriers in Nevada?
The top Medicare Advantage carriers in Nevada are UnitedHealthcare, Humana, Anthem, and others. The top Medigap (Medicare Supplement) carriers include UnitedHealthcare/AARP, Mutual of Omaha, Anthem Blue Cross, plus regional options. An independent agent can compare plans across all of these in one conversation.
When can I enroll in Medicare in Nevada?
The Medicare enrollment windows are the same in every state. You have a 7-month Initial Enrollment Period around your 65th birthday. The Annual Enrollment Period runs October 15 to December 7 every year. Special Enrollment Periods may apply if you have a qualifying life event. See our AEP 2026 guide.
Where can I get free Medicare help in Nevada?
Nevada residents can call Nevada SHIP at 1-800-307-4444 for free, unbiased Medicare counseling. The state Medicaid office handles Medicare Savings Programs applications and can be reached at 1-800-992-0900. Visit adsd.nv.gov for more state aging resources.
