Medicare in Reno, Nevada
Evaluating your options for Medicare in Reno? Senior Insurance Agency is here to help you find coverage for your healthcare needs and income level.
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Medicare Advantage Plans in Reno, NV
It doesn’t matter who you are – you have the right to a personal consultant for Medicare in Reno
At Senior Insurance Agency, we’ll partner you with a well-trained, experienced agent who will guide you away from common Medicare mistakes. We offer compassionate advice rooted in a deep understanding of healthcare insurance, and we’re prepared to answer all of your questions.
Get StartedOptions for Medicare Coverage in Reno
Options for Medicare Coverage in Reno
Original Medicare, consisting of Medicare Parts A and B, provides essential health coverage for hospital stays and medical services.
Part A covers inpatient hospital care, skilled nursing facility care, hospice and some home health services.
Part B includes coverage for doctor visits, outpatient care, preventive services, and certain medical supplies.
While Original Medicare offers broad coverage, it does not cover everything. Therefore, many beneficiaries opt for additional coverage through Medicare Advantage plan or Medigap to help manage out-of-pocket costs and access extra benefits.
Medicare Prescription Drug Coverage (Part D)
Medicare Part D Prescription Drug Plans offer coverage for a wide range of medications, ensuring that beneficiaries can afford their necessary prescriptions.
These prescription drug policies are designed to complement Original Medicare and can be purchased separately or as part of a Medicare Advantage plan that includes drug coverage.
By enrolling in a Medicare Part D Prescription Drug Plan, beneficiaries can significantly reduce their out-of-pocket costs for medications, providing an essential layer of Medicare coverage for managing health conditions and maintaining overall well-being.
Medicare Supplement Insurance (Medigap)
Medicare supplement plans are commonly referred to as “Medigap” options. Medigap provides additional coverage to help with costs payable after Medicare payment, such as copayments, coinsurance, and deductibles.
Offered by private insurance companies, supplement plans can significantly reduce out-of-pocket expenses. These Medigap plans are particularly beneficial for those who frequently require medical services, have significant health care needs and prefer to see any Medicare provider.
By filling the gaps left by Medicare Parts A and B, Medigap ensures that individuals have a more comprehensive healthcare coverage package.
Medicare In Reno – Senior Insurance Agency
Choose a Medicare plan with confidence. We’re here to simplify the decision process and clear up any confusion.
Get StartedCompare Medicare Options in Reno
Feeling overwhelmed by your options? We’re here to help.
At Senior Insurance Agency, we walk individuals through the process of comparing plans’ benefits, coverages, providers and prescription coverage. Then, we’ll narrow down the possibilities to the top most cost-effective plans and answer any questions you may have.
Take a deep breath – we’re in this together.
Why Choose Us?
Senior Insurance Agency has been proudly serving Nevada families since 1986. We’re not here to pressure you into making a sale – we’re simply interested in helping you and your loved ones understand all the available insurance options.
Our agents stay on top of the ever-changing Medicare developments and requirements (so you don’t have to). With our help, you can choose the most appropriate plan for your needs based on the latest, most accurate information in Nevada.
Frequently Asked Questions
No, Medicare is not entirely free in Nevada or any other state.
While most people do not pay a premium for Part A (hospital insurance) if they or their spouse paid Medicare taxes while working. Medicare Part B (medical insurance) typically requires a monthly premium, which varies based on income.
Additionally, there are out-of-pocket expenses such as deductibles, copayments, and coinsurance. For those who need extra coverage, Medicare Advantage plans and Part D (prescription drug coverage) plans are available, but may have their own premiums and costs.
The monthly income limit for Medicaid eligibility in Nevada varies depending on the specific program and the applicant’s household size.
For a single adult under the Medicaid expansion, the income limit is set at 138% of the federal poverty level (FPL), which translates to about $1,677 per month in 2024. Different limits apply for families, pregnant women, children, and aged, blind, or disabled individuals.
Reach out to our team to learn more. We’re happy to help you understand your income requirements and limits.
Medicare does not cover all healthcare services and expenses.
Notably, Medicare does not pay for long-term care, also known as custodial care, if that’s the only care you need. Routine dental care, dentures, most vision care (including eyeglasses), hearing aids, and examinations for fitting them are also excluded. Additionally, cosmetic surgery, and routine foot care are not covered.
Beneficiaries should understand these gaps in coverage and consider supplemental insurance plans, such as Medigap, to help manage costs not covered by Medicare.
If you cannot afford Medicare in Nevada, there are several assistance programs available to help.
The Medicare Savings Programs (MSP) can assist with paying Medicare premiums, and in some cases, deductibles, copayments, and coinsurance. Medicaid also provides coverage for low-income individuals and can work alongside Medicare to cover additional costs.
The Extra Help program helps with Part D prescription drug costs. Additionally, Nevada residents can seek assistance from the State Health Insurance Assistance Program (SHIP) for personalized counseling and information on these programs.