Medicare in Henderson, Nevada
Are you eligible to enroll in Medicare? Senior Insurance Agency is here to help you explore Medicare plans in Nevada that offer quality healthcare coverage.
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Medicare Advantage Plans in Henderson, Nevada
When it comes to choosing a Medicare Advantage plan, you have options. Our Medicare insurance agents in Henderson, Nevada will guide you through all the available choices to inform your decision.
Medicare Advantage, also known as Medicare Part C, provides a privately-run alternative to Original Medicare. These plans offer the same coverage as Part A and Part B, and may also provide add-on coverage options.
While Medicare Advantage plans are administered by private insurers, they are approved by the federal government.
Get StartedOptions for Medicare Coverage in Henderson
When signing up for Medicare in Henderson, beneficiaries have many coverage options to choose from. Here’s a look at the plans you can discuss with your Henderson Medicare agent.
Medicare Part A & B
Medicare Parts A & B are also known as Original Medicare. This coverage is provided directly by the federal government and offers cost-effective care for many basic medical services. It is available to everyone over the age of 65, and to some people under 65 with certain qualifying medical conditions.
Part A provides hospital insurance and covers things like inpatient hospital stays, hospice care, and skilled nursing. Part B provides insurance for necessary outpatient medical services and items. This includes doctor’s visits, preventative services, and other outpatient care, as well as medical equipment.
Medicare Advantage
Medicare Advantage plans offer the same base coverage as Original Medicare, as well as add-on services. Most Medicare Advantage plans have prescription drug policies, and many also offer coverage for vision, dental, and wellness services.
Since these plans are administered by private insurance companies, the exact coverage options and costs will vary by provider. Additionally, some doctors that might not be accepting new Medicare patients may accept new patients on certain Medicare Advantage plans.
Medicare Supplements
Medicare supplement plans, or Medigap, provide additional coverage to reduce costs associated with Original Medicare. In particular, Medigap covers most copays, coinsurance, and deductibles for Original Medicare patients, as well as some excess medical charges.
Like Medicare Advantage plans, Medigap plans are offered by private companies. However, they are not government funded plans and are regulated by the Division of Insurance. There are 10 Medigap plans available, labeled alphabetically from A to N.
Using Medigap plans can help make out-of-pocket costs more manageable for beneficiaries with Original Medicare.
Prescription Drug Plans (Part D)
A Medicare Part D prescription drug plan is a standalone plan that covers drug costs. Beneficiaries can purchase Part D plans in addition to Original Medicare coverage to manage the cost of prescriptions.
Part D plans are offered by private insurance companies and supervised by the federal government. Exact coverage will vary from plan to plan depending on the provider. The government requires these plans to cover many different types of prescription drugs.
Medicare in Henderson – Senior Insurance Agency
Our local insurance agents in Henderson are here to help you navigate the ins and outs of Medicare.
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We know that comparing Medicare plans in Nevada can feel overwhelming. Before getting started, we’ll get to know your healthcare needs and your budget, and we’ll address any questions or concerns you may have.
With this information, we’ll provide personalized guidance to help you compare your options and make an informed decision about Medicare in Henderson.
Why Choose Us?
Senior Insurance Agency’s team of compassionate and knowledgeable agents are here to support you through the Medicare enrollment process. We’ve been in business since 1986 and stay up-to-date on all the latest changes and updates to Medicare. We pride ourselves on offering highly personalized service for all of our Nevada clients.
Frequently Asked Questions
Yes, it is possible to have both Medicare and Medicaid simultaneously in Nevada, a situation often referred to as being “dual-eligible.”
Medicare primarily serves individuals who are 65 and older or who have certain disabilities, regardless of income, while Medicaid provides health coverage for low-income individuals and families. If you qualify for both programs, Medicaid can help cover some of the costs after Medicare, such as premiums, deductibles, and co-payments, depending on your income and resource levels.
Being dual-eligible in Nevada means you can receive a wider range of benefits and reduce your out-of-pocket healthcare costs significantly. Medicaid often pays for services that Medicare does not, like long-term care in a nursing home, personal care services, and other community-based services.
To qualify, you must meet the eligibility criteria for both programs, which includes both income and assets for Medicaid.
Medicare does not have an income limit for eligibility because it is available to all individuals who meet the age or disability requirements, regardless of income.
However, additional programs like the Medicare Savings Program (MSP) and Extra Help, which assist with Medicare costs, do have income and resource limits. In Nevada, these limits are based on the federal poverty level (FPL) and can vary slightly depending on the specific program and household size.
For instance, to qualify for the Qualified Medicare Beneficiary (QMB) program in Nevada, an individual’s monthly income must be at or below 100% of the FPL, while the limit is slightly higher for couples.
Other programs, like the Specified Low-Income Medicare Beneficiary (SLMB) and Qualified Individual (QI) programs, have higher income limits but provide different levels of assistance.
The approval process for Medicare in Nevada can vary, but typically, it takes about two weeks to two months to get approved after submitting your application.
If you are applying at age 65, you can apply three months before the month of your birthday, the month of your birthday, or three months after. Applications submitted during this initial enrollment period are usually processed promptly, especially if done online through the Social Security Administration’s website.
If you are applying due to a disability, the process may take longer as it involves more detailed eligibility criteria and documentation. Once approved, Medicare coverage typically begins 24 months after the date you were eligible
Keep in mind that if you are already receiving Social Security benefits, you will be automatically enrolled in Medicare Part A and Part B at age 65, and you will receive your Medicare card three months before your 65th birthday.
Medicare does not typically cover 100% of hospital bills in Nevada or anywhere else in the United States.
Under Medicare Part A, which covers inpatient hospital stays, there are deductibles and co-payments that beneficiaries must pay. For instance, in 2024, the Medicare Part A deductible for each benefit period is $1,632. After this deductible, Medicare covers the first 60 days of hospitalization with no co-payment, but starting on the 61st day, you are responsible for a daily co-payment.
For more extended stays, co-payments increase, and after 90 days, lifetime reserve days are used, which also come with a daily co-payment. Additionally, Medicare Part B, which covers outpatient services, also involves monthly premiums, deductibles, and typically covers 80% of the approved amount for covered services, leaving you responsible for the remaining 20%.
To help cover these out-of-pocket costs, many people opt for supplemental coverage through Medigap or enroll in a Medicare Advantage Plan.