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Understanding Medicare in Nevada

With over 105 Medicare Advantage plans and a rapidly growing retiree population, Nevada offers more choices than most states. Here's how Medicare works — in plain English with 2026 figures.

Part A

Medicare Part A — Hospital Insurance

Covers care inside a hospital or facility. Most people qualify for premium-free Part A.

  • Inpatient hospital stays
  • Skilled nursing facility care (up to 100 days)
  • Hospice care
  • Some home health care services
2026 Costs: $0 premium for most · $1,736 deductible · Days 61–90: $434/day · Days 91+: $868/day · SNF: $217/day
Part B

Medicare Part B — Medical Insurance

Covers outpatient care and preventive services — doctors, tests, and services.

  • Doctor and specialist visits
  • Outpatient surgery
  • Preventive care, screenings, vaccines
  • Lab tests, X-rays, MRIs
  • Mental health (outpatient)
  • Durable medical equipment
  • Ambulance services
2026 Costs: $202.90/month · $283 deductible · 20% coinsurance (no cap on Original Medicare)
Part C

Medicare Part C — Medicare Advantage

An all-in-one alternative to Original Medicare. Nevada has 105+ plans from 10+ carriers.

  • Everything Part A and Part B cover
  • Prescription drug coverage (usually)
  • Dental, vision, and hearing
  • Fitness programs (SilverSneakers)
  • OTC allowances, transportation
  • Max out-of-pocket limit
2026 in Nevada: Many $0 premium plans · Average MA premium just $1.06/month · 50+ plans in Clark County alone
Part D

Medicare Part D — Prescription Drug Coverage

Covers prescription medications. Needed if on Original Medicare or Medigap.

  • Brand-name and generic drugs
  • Part D vaccines (e.g., shingles)
  • Each plan has its own formulary
  • Coverage phases: deductible, initial, gap, catastrophic
  • Extra Help / Low-Income Subsidy
2026 Costs: ~$35–$50/month average · Max deductible $615 · $2,100 out-of-pocket cap · Penalty if you delay
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Medicare Basics Guide — Chapters 1–4

Plain-English breakdown of Medicare Parts A, B, C, D, enrollment windows, and coverage. Includes 2026 costs and real-world examples.

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