Understanding Your Options for Medicare in Nevada

If you’re looking for a Medicare plan in Nevada that suits your needs, it’s important to understand your options. You can choose between Original Medicare (Parts A and B), Medicare Advantage (Part C), prescription drug coverage (Part D), and Medicare Supplement Insurance plans (Medigap). Alignment Health Plan is here to help you understand your options and select the best coverage for you.

Medicare beneficiaries in Nevada must be U.S. citizens or permanent legal residents living in the U.S. for at least five years. Additionally, you must meet one of the following requirements:

• Be 65 or older
• Be on Social Security Disability Insurance (SSDI) for two years
• Have Lou Gehrig’s disease or end-stage renal disease (ESRD)

If Medicare Part B or A won’t cover enough of your medical expenses, you might consider the benefits of Medicare Part C. Here’s what you should know about this private health insurance option.

 

What Does a Medicare Advantage Plan Cover?

Original Medicare is offered through the federal government, whereas Medicare Part C is covered by private insurance companies. The United States government requires Medicare-approved health insurance companies to cover everything provided by Medicare Parts A and B.

They can also offer additional benefits, such as vision, dental, and prescription drug coverage. Some Medicare Part C plans provide non-medical supplemental services like meal delivery, in-home care, and transportation to non-emergency medical appointments.

 

Types of Medicare Advantage Plans in Nevada

Nevada residents can choose between HMOs, PPOs, D-SNPs, and C-SNPs. We’ll guide you through each of these plans below.

• HMO - In a Health Maintenance Organization (HMO) Plan, all care and medical services must come from a provider within the network. You’ll have to pay out of pocket for any out-of-network services (except in emergencies). You must choose a primary care physician (PCP) to coordinate your care. The main benefit of HMO is lower out-of-pocket costs.
• PPO - With a Preferred Private Organization (PPO) Plan, you won’t have to choose a PCP. You’ll need to pay upfront and file a claim for reimbursement if you see a doctor out-of-network. PPO offer greater flexibility but tend to have higher premiums than HMOs.
• SNP -
  • D-SNP - Dual Special Needs Plans (D-SNP) are available to those eligible for both Medicaid and Medicare. This plan includes prescription drug coverage, Medicare Parts A and B, and full Medicaid benefits.
  • C-SNP - Chronic Special Needs Plans (C-SNP) are designed for individuals with disabling chronic conditions. You must be eligible for Medicare Parts A and B and diagnosed with qualifying conditions such as cancer, dementia, HIV/AIDS, and autoimmune disorders. You can check the official federal government website Medicare.gov for a complete list of qualifying conditions.

If you have questions about Medicare Advantage Plans in Nevada, reach out to Alignment Health Plan. It’s our mission to promote high quality care and service and promote the health and wellness of our members.

 

How to Pick the Best Medicare Advantage Plan in Nevada

There are many factors to consider when determining the best Nevada Medicare plan for you. What services do you need? What are the monthly premiums, copayments (copays), deductibles, and coinsurance? Are there limits on out-of-pocket costs, and how high are they?

Most importantly, think about your health care needs. For example, HMO plans offer less flexibility but provide a carefully selected Primary Care Provider (PCP) who coordinates your care, organizes a personalized “care team” for you, and makes referrals to trusted specialists when necessary.

Considering all these factors can seem overwhelming, but our concierge team will help walk you through the process. We want to bring you peace of mind and get the most out of your Medicare coverage.

 

Benefits of Alignment Health Medicare Advantage Plans

A federal Medicare program may not offer the medical services you need. If you’re looking for a private medical insurance option in Carson City, Clark, Douglas, Nye, Storey, or Washoe counties, Alignment Health Plan offers a variety of plans specifically developed for our beneficiaries.

Alignment Health Plan is here to serve you and your needs. We provide the personal care, attention, and assistance you deserve as you navigate the complex world of Medicare. You’ll receive first-class service, accessibility of care, and a friendly concierge team available 24/7. Our plans and commitment to seniors have earned us the Senior Choice Gold Award and the Excellence in Medicare Advantage Benefits Value for 2022.

Click here to learn more about available Alignment Health plans in your area and join our family.