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Medicare beneficiaries who wish to cover other costs not covered under Original Medicare (Part A and Part B), such as coinsurance, deductibles, and copayments, have the option to enroll in Medicare Supplement (Medigap or MedSup). Medigap, which is standardized in most states, covers these out-of-pocket costs for Medicare beneficiaries.
It is important to know the best time for enrolling in Medicare Supplement insurance plans in Nevada. Any Medicare beneficiary in Nevada already enrolled in Medicare Part B can enroll in Medigap during the Medigap Open Enrollment Period (OEP). The OEP is the six-month period following the day the Medicare beneficiary turns 65 and is enrolled in Medicare Part B. During the OEP, a Medicare beneficiary may enroll in a Medicare Supplement insurance plan in Nevada without the need to submit medical underwriting, and without fear of being charged higher premiums due to previous health conditions or even denial.
A Medicare beneficiary may still enroll in a Medicare Supplement insurance plan in Nevada after the OEP, but may have to undergo a medical background check, and could end up paying higher premiums, be restricted from pre-existing conditions*, or even be denied coverage.
As mentioned above, Medicare Supplement insurance plans in Nevada do not vary in coverage or benefits and are standardized for all insurers who offer Medigap plans. The benefits of a Medigap plan that starts with the same letter will be identical, regardless of the county in which you reside. However, the costs of Medigap plans may differ depending on the private insurer’s own premium structure. Thus, it is important to not only search for Medicare Supplement insurance plans in your area to suit your health needs, but your budgetary requirements as well.
*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.