Medigap Policies in Las Vegas
Supplemental Coverage for Your "Original Medicare"

Helping pay the unexpected medical costs that aren't covered by "Original Medicare" 
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Medigap Plans in Las Vegas

A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits and fills in the gaps that Original Medicare has.

Each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medigap policies:
  • Don't have to offer every Medigap plan
  • Must offer Medigap Plan A if they offer any Medigap policy
  • Must also offer Plan C or Plan F if they offer any plan

Keep in mind, that the Medicare Supplement policy only covers the co-insurance after you've paid the deductible (unless the Medigap policy also pays the deductible).

Medigap Basics in Las Vegas
Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private insurance company to help pay your share of costs in Original Medicare.

You can only buy Medigap if you have Original Medicare.
Generally, that means you have to sign up for
Medicare Part A (Hospital Insurance)
and
Part B (Medical Insurance)
before you can buy a Medigap policy. 

You get a 6 month “Medigap Open Enrollment” period, which starts the first month you have Medicare Part B and you’re 65 or older. During this time, you can enroll in any Medigap policy and the insurance company can’t deny you coverage due to pre-existing health problems. After this period, you may not be able to buy a Medigap policy, or it may cost more. Your Medigap Open Enrollment Period is a one-time enrollment.  It doesn’t repeat every year, like the Medicare Open Enrollment Period. 

All Medigap policies are standardized.
This means, they offer the same basic benefits no matter where you live or which insurance company you buy the policy from.
There are 10 different types of Medigap plans offered in most states, which are named by letters: A-D, F, G, and K-N.
Price is the only difference between plans with the same letter that are sold by different insurance companies.
In some states, you may be able to buy another type of Medigap policy called
Medicare SELECT.
If you buy a Medicare SELECT policy, you have the right to change your mind within 12 months and switch to a standard Medigap policy.    

Important: In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

Every Medigap policy must follow federal and state laws designed to protect you. It’s important to watch out for illegal practices by insurance companies, and protect yourself when you’re shopping for a Medigap policy.  


​How do you get a Medigap Policy in Las Vegas?

To qualify for a Medicare Supplement, you must first enroll in Medicare Parts A and B. Once you turn 65, enroll in Original Medicare, or enroll in Medicare Part B, you will enter your Open Enrollment period.

What is the Medigap Enrollment Period?

The Medigap Open Enrollment Period is a six-month period starting the first day of the month after you turn 65 and have Medicare Part B. , or it is the six month period after you get your Part B at any age, like obtaining it after leaving an Employer Group Health plan. During your Medigap Open Enrollment window you cannot be asked Health questions, so you cannot be declined, and also PRE-EXISTING conditions do not factor into the approval process.

What do Medigap policies cost in Las Vegas?

Medigap plan monthly premiums differ depending on several factors.
  • Age
  • Location
  • Tobacco use
  • Plan type (A through N)

Different insurers also vary their monthly rates depending on actuarial models, though many offer discounts to those who live with a spouse. You do have the option to enroll outside of your Open Enrollment, but acceptance is not guaranteed, and you may have to pass a health underwriting exam.

The 2025 Deductibles,Copays,and Coinsurance that a Medigap Policy Can Pay:

Medicare Part A: Hospitalization
  • Days 1-60: 2023 $1,676.00 deductible (billed the first day)
  • Days 61-90: 2023 $419.00 per day
  • Days 91-150: 2023 $838.00 per day (60 reserve days over your lifetime)
  • Days 150+ Not covered

Skilled Nursing Facility Coinsurance:
  • Days 1-20: $0 per day
  • Days 21-100: 2024 $209.50 per day
  • Days 100+ Not covered

Part B deductible per year* in 2025 is $257.00 only paid for by Plan C and F

Medicare Part B Coinsurance: 20%

Medicare Part B Excess Charges: Up to 15% (in addition to coinsurance)

Foreign Travel Emergency: Not covered

If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Your Medigap policy pays its share.

COMPARING MEDIGAP PLAN BENEFITS
IN LAS VEGAS FOR 2025

Review the chart and look at what each Plan pays.

What it means is the per cent in the box is the amount the Medigap policy covers.
If you don’t have a Medicare Supplement, you will pay these costs associated with Original Medicare.
​
The chart below shows basic information about the different benefits Medigap policies cover.
 A Checkmark means the plan covers 100% of this benefit
 An X means the plan doesn't cover this benefit
 A % = the plan covers that percentage of this benefit and you’re responsible for the rest
N/A = not applicable
The Medigap policy will only pay your coinsurance after you’ve paid the deductible
in 2025  the Deductible is based on Medicare Part B which is $257.00
(unless the Medigap policy also covers your deductible)
Only Medigap Plans C and F cover this Deductible.


What You Also Need to Know About Medigap Policy Benefits  in Las Vegas

  • You must have Medicare Part A and Part B.
  • If you have a Medicare Advantage Plan, you can apply for a Medicare Supplement insurance policy, but make sure you can leave the Medicare Advantage Plan before
  • ▪ You pay the private insurance company a monthly premium for your Medicare Supplement insurance policy in addition to the monthly Part B premium that you pay to Medicare.
  • ▪ You can buy a Medicare Supplement insurance policy from any insurance company that’s licensed in your state to sell one.
  • It’s illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.
  • Medicare supplement plans cover only one person. Your spouse must have his or her own individual policy.
  • The annual election period in the fall is for drug plans. It does not apply to Medicare supplements in any way.
  • Many carriers offer household discounts if two or more people enroll in Medicare supplemental plans from the same company.
  • Any standardized Medicare Supplement insurance policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medicare Supplement insurance policy if you pay the premium. Medicare
  • Supplement insurance policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join
  • a Medicare Prescription Drug Plan (Part D).
  • You can drop your supplement at any time. There is no annual election period for Medicare Supplement plans.

Medigap Plans in Las Vegas Are Standardized

Finally, every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as “Medicare Supplement Insurance.” Insurance companies can sell you only a “standardized” policy identified in most states by letters.



​Get a Medigap Policy Review

Do I Have the Right Medigap Policy if I Live in Las Vegas?
MACRA has caused many changes to Medigap policies. At Medicare in Las Vegas and in Nevada, we encourage our clients with Medigap policies to Review, and Compare Prices and Policy Benefits frequently. New Carriers are frequently coming into the market offering lower competitive pricing along with additional ways to save money. An example is the Household discount. Household discounts can range from 3% up to 15%. This opportunity is available when 2 or more people live in a residence and either one or both purchase a Medigap policy from the same carrier or make up a household. This discount can impact the premium you pay monthly for your policy. Feel free to reach out to us for a Medigap Policy Review. It’s easy and quick. We can search our list of Carriers and see if you may qualify to make a change and present you with a list of options. The key benefit of the change would be the opportunity to SAVE money monthly.

Fill out a 'Get a Medigap Policy review Form
Give us a call, or Text Us.
​If you have had your policy for a few years you would be surprised that you may save money for the exact same benefits.
​
By filling out the form above you are agreeing to have a licensed insurance agent mail,call, text,or email you to discuss Medicare Part D Prescription Drug Plans
(702) 403-6348 (711)
Las Vegas, NV 89134​
Calling the above number will direct an individual to a licensed agent/broker 
​     (All calls are recorded for Quality Control)
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​Medigap 2024 From Medicare.Gov

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