Medicare in Sparks, Nevada

Our team will help you navigate the ins and outs of Medicare in Sparks  so you can find the perfect plan for your needs.  

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Understanding Medicare in Sparks, Nevada

Medicare coverage in Nevada consists of Original Medicare, Medicare Advantage, and Medicare Part D. 

Original Medicare and Medicare Part D are government-administered healthcare plans, while Medicare Advantage provides private add-on coverage options. Medicare is available to US citizens and permanent residents who are either over the age of 65, have disability status, or have certain qualifying health conditions.  

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Options for Medicare Coverage in Sparks

Original Medicare (Parts A & B)

Original Medicare is a federally run medical insurance program for adults over the age of 65, as well as adults with certain disabilities and medical conditions. You can apply prior to turning 65 or during an open enrollment period. 

This program consists of Medicare Parts A and B. Part A is hospital insurance, providing coverage for hospital visits, in-home care, and skilled nursing services. 

Part B is medical insurance, sometimes also called doctor’s insurance. This will cover a wide range of outpatient services, including preventative screenings, outpatient care, lab testing and imaging, medical supplies, and more.

Original Medicare covers medically necessary procedures and services. While Medicare covers most costs associated with these services, patients will have a deductible and copays.

Some patients choose a Medicare Advantage plan instead of opting for Original Medicare. Medicare Advantage plans are offered by private insurers and may come with additional costs. These plans combine Original Medicare and Part D coverage. They often include additional forms of coverage and benefits that aren’t available in Original Medicare.

Medicare Prescription Drug Coverage (Part D)

Medicare Part D provides prescription drug coverage for patients. Medicare Part D is optional, but highly recommended. 

If you have Original Medicare, you can get a standalone Medicare drug plan as an add-on. These plans are provided by private insurance companies but are regulated by Medicare. 

You can also get prescription drug coverage as part of a Medicare Advantage plan. If you opt for Medicare Advantage, prescription drug coverage is usually built-in, so there’s no need for a separate Part D plan.  

Medicare Supplement Insurance (Medigap)

Medigap is a Medicare supplemental plan that can help make medical costs more manageable. Medigap plans can be purchased in addition to Original Medicare. These plans help reduce your co-pays and other out-of-pocket costs. They are run by private insurers but are regulated by Medicare. 

Nevada Medigap insurance provides additional hospital and medical coverage beyond what’s included in Original Medicare. It can help reduce co-pays and offers more days of hospital coverage. 

Medigap differs from Medicare Advantage in that it is used in addition to Original Medicare, rather than as a replacement for it. Medicare Advantage may also offer supplemental dental and vision coverage that Medigap does not. 

If you’re planning to use Original Medicare, but are concerned about out-of-pocket costs, purchasing a Medigap plan can help make them more manageable. 

Medicare in Sparks- Senior Insurance Agency

We help Nevada residents find the Medicare coverage they need as they approach 65. 

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Compare Medicare in Sparks

Senior Insurance Agency is a Medicare insurance agency in Nevada that can help you find cost-effective coverage. 

Our team will help you navigate the complexities of Sparks Medicare insurance plans. We’re always here to answer your questions, and our services come with no additional charge for clients. Your premiums will be the same as if you enrolled directly with an insurance provider. 

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Rated 5 out of 5 on Google Reviews.

David Weyhenmeyer
I have dealt with Robbie for years and he has consistently had our best insurance coverage interests in mind when guiding us to our policies. I have referred a number of friends and clients to him and he has provided them great service in their medical insurance choices as well.
Cindy Baker
I feel so fortunate to have been referred to this agency and specifically, Aliana Rushing. She was very thorough, and patient with me and explained all the possible options! I would never have been able to figure this all out on my own.
Susan Pittman
Jason has to be the most comfortable person my husband and I have ever sat down and talked to about our future. Sweet man and very knowledgeable in what he does. if we have questions, he always gets back to us in a very reasonable amount of time. We always recommend him to our friends!
Keith Lane
Chanté Padilla was so helpful and patient with my medical insurance needs and whenever I call and need assistance with things she is always available to take care of my needs! Thank you again. Chante has helped us out with our insurance coverage and always giving us the best options.
My wife and I are very happy Seleah, with Senior Insurance Agency. Seleah goes out of her way to make sure we have the right Insurance Company that fits our budget. She is very professional and informed about her job.
Naunie Gardner
I highly recommend this agency. Their services cost you nothing. They have been wonderful and work every year to find me the best plans and prices.
K Geney
Signing up for Medicare is very confusing and I received excellent advice & enrollment help from Robbie. Thank you so much!
Rick Anderson
On the recommendation of a long time Insurance rep we went to Aliana at Senior Insurance when i was ready to enroll with Medicare. My Wife and i were amazed at her skills and the best service you will find! I would highly recommend Aliana and this company.
Lisa Syfers
Chante has provided us exceptional service and assistance in finding health insurance coverage. We have always been covered by a huge group policy from my work, and when I retired early, it was all a mystery to us. Chante helped us understand what we were looking at and helped us find our best coverage. I would definitely recommend Senior Insurance Agency to anyone who wants not only to navigate but also understand, the world of health insurance!
Honey Austen
In all the years that I’ve had insurance in my entire life I have never had the kind of service that I received from Jason and the crew at senior insurance! Jason goes out of his way for each and every client to make sure their needs are met and that they are happy with what plans they receive and the service given. My husband and I could not be happier or more pleased!
Susan Hennessy
Se’Leah is very friendly, helpful and easy to talk to. The company is family centered and welcoming.
Debra Mann
This agency is THE BEST!!!!!!! Any questions, problems, or concerns will be addressed immediately. All our doctors and medication needs were matched to the best coverage choice. THANK YOU SOOOOO VERY MUCH!
Randy Idler
Always the best advice in a timely manner. Couldn’t be happier.
Debby Butler
Love these guys! Their work makes is easy for me to make the annual decision on my healthcare.

Why Choose Us?

At Senior Insurance Agency, we understand that navigating Medicare can be daunting. Our team is here to support you and advocate for you as you find the right Medicare plan. 

We don’t use aggressive sales tactics — the focus is always on finding the plan that works for YOUR medical needs and budget. 

Frequently Asked Questions

There are many resources available to Nevada residents looking to understand Medicare and its associated topics. Our recommendation is to speak with a professional insurance business that can help you navigate the complexities with care and compassion. 

At Senior Insurance Agency, we understand that it’s not easy to choose the right health insurance plan. We’re not interested in pushing sales – we’re interested in finding the plan that fits YOU. 

Medicare does not cover several key services and items. Notably, it excludes routine dental care, vision exams related to prescribing glasses, hearing aids and exams for fitting them, and most long-term care services such as custodial care in nursing homes. 

Additionally, Medicare does not cover cosmetic surgery, acupuncture, or alternative medicine practices like naturopathy. Routine foot care and over-the-counter medications are also not covered. 

Nevada beneficiaries often need to seek supplemental insurance plans, like Medicare Advantage or Medigap, to help cover these gaps.

No, Medicare does not cover hospital bills in their entirety. Under Medicare Part A, which covers inpatient hospital care, patients are responsible for a deductible for each benefit period. After the deductible, Medicare covers the full cost of hospital care for the first 60 days of each benefit period. 

From day 61 to day 90, patients pay a daily coinsurance amount ($400 per day in 2024), and from day 91 onward, patients must use their lifetime reserve days at a higher coinsurance rate ($800 per day in 2024). Once lifetime reserve days are exhausted, patients are responsible for all costs.

Medicare itself does not have a strict maximum out-of-pocket limit for hospital stays under Part A. Instead, beneficiaries face different levels of cost-sharing depending on the length of their hospital stay and the use of lifetime reserve days. 

However, Medicare Advantage plans, which are an alternative to Original Medicare, do have a cap on out-of-pocket expenses. In 2024, the maximum out-of-pocket limit for these plans is $8,850 for in-network services and $13,300 for combined in- and out-of-network services.

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Call us direct: (775) 829-9600

    We do not offer every plan in your area. Currently, we represent (See Below) organizations which offer (See Below) products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
    Carson City 7 organizations which offer 34 products in your area - Churchill 5 organizations which offer 21 products in your area - Clark 8 organizations which offer 50 products in your area Nye 7 organizations which offer 43 products in your area - Douglas 6 organizations which offer 27 products in your area - Lyon 6 organizations which offer 24 products in your area - Mineral 1 organizations which offer 4 products in your area - Storey 7 organizations which offer 31 products in your area - Washoe 9 organizations which offer 43 products in your area - NV 7 organizations which offer 20 PDP products in your area