Medicare in Reno, Nevada

Northern Nevada's medical hub — and the place half the state ends up travelling to.

Reno is the referral centre for most of northern Nevada. Residents of Fernley, Fallon, Lovelock, Yerington and Hawthorne come here when their local hospital cannot handle something, which makes the Reno provider network relevant well beyond Washoe County.

Washoe County · ZIP codes: 89501–89513, 89519, 89523, 89533, 89557

If you live in Reno itself, the upside is straightforward: you have the second-deepest provider bench in Nevada, with several competing hospital systems and a good spread of specialists.

Fewer plans than the south

Washoe County has a solid Medicare Advantage market, but not the sheer volume of Clark County. That is not necessarily a disadvantage — fewer, better-matched options is an easier decision than fifty. It does mean network fit matters more, since there is less room to shop around if your specialist is out of network.

Medigap and the birthday rule

Reno has a healthy Medicare Supplement market, and Nevada's birthday rule gives you an annual window to change policies without medical underwriting. If your premium has risen, that window is worth using rather than absorbing.

Comparing plans in Reno costs you nothing

We are an independent agency appointed with 10 Nevada carriers. Bring your doctor list and your prescription list and we will check them against what is actually offered in Washoe County — at no cost, with no obligation. You can also compare every plan available in your area yourself at Medicare.gov or by calling 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day.

Common Questions

Questions we get

Yes, Washoe County has a smaller Medicare Advantage market than Clark County. That usually means an easier decision rather than a worse one, but it does put more weight on network fit — with fewer plans there is less room to shop around if a key specialist is out of network.

Not directly if you live in Reno. But if you live elsewhere in northern Nevada and travel here for specialists, your plan's Washoe County network matters as much as its coverage at home — your county sets which plans you can join, the network decides whether the plan is usable.

Check My Dual Plan Eligibility

We will look at your ZIP code, your doctors and your prescriptions — at no cost.

Want a second set of eyes on this?

Free, unbiased, and no pressure. We are appointed with 10 Nevada carriers.

(702) 706-6564

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Written and reviewed by Darin Weidauer — licensed Nevada insurance agent (NPN 18580338), Gerontologist (USC Davis School of Gerontology), MBA, Registered Social Security Analyst, and 22-year U.S. Air Force veteran. Independent and appointed with 10 Nevada carriers.Last reviewed September 2, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov or 1-800-MEDICARE.