Get the Medicare plan that fits you.
Choosing the Medicare insurance plan you’ve earned shouldn’t be a difficult process. We help Nevada residents understand their options and find the right plan.
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Based in Sparks | Serving all of Nevada
What Are Your Medicare Insurance Options?
There are many Medicare plans available, but all fall into two types:
Type 1: Medicare Supplement
Medicare Pays First. You add a Medicare Supplement Plan & Medicare Part D Rx Plan.
Premiums: Vary by plan
RX Coverage: Separate Part D Rx plan & premium
Cost: Minimal cost for medical care
Provider Restrictions: Provider Access: Choose any Medicare provider in the USA
Dental & Vision: Not included
Value Added Benefits: None, with some exceptions
Type 2: Medicare Advantage
Assign your Medicare benefits to a Medicare Advantage HMO or PPO plan.
Premiums: Most plans have $0 premiums
RX Coverage: Included in most plans
Cost: Copayments or Coinsurance required for most services
Provider Access: In most cases, restricted to plans network
Dental & Vision: Included in some plans
Value Added Benefits: Gym, transportation, OTC allowance, and more on certain plans
Medicare Part A: Hospital Care
Inpatient care
Skilled nursing facility care
Hospice care
Home health car
Medicare Part B: Medical Insurance
Doctor services and other health care providers
Outpatient care
Emergency Room, Urgent Care, Labs & Imaging
Durable medical equipment (Walkers, CPAPs, Diabetic Supplies, Etc.)
Preventative care (screenings, vaccines, wellness visits)
Medicare Part C: Medicare Advantage Plans
Original Medicare alternative
Private insurance company plans regulated by Medicare
Most Plans Combine Medical and Rx Coverage
Network based plans
lower out-of-pocket costs than Original Medicare
May include Value Added benefits such as dental, vision, and hearing benefits
Medicare Part D: RX Prescription Drug Coverage
Prescription Drug Coverage
Standalone or included with Medicare Advantage
Private insurance company plans regulated by Medicare
Medicare Supplement (Medigap)
Pays some or all of the balance after Medicare Pays.
Offered through a private health insurance company
All Medicare Supplements follow federal and state laws to protect you
Standardized benefits – regardless of Insurance Company
Contact us to see how we can help.
Get StartedHow We Help Nevada Residents Find Their Perfect Medicare Plan
Listen
Everyone seeking Medicare coverage has different needs. Our agents take the time to understand yours.
Educate-First
Our job is to explain Medicare Parts A, B, C, D & Medicare Supplement Plans. Our goal is to empower you to make an informed and confident deicison.
Ongoing Support & Annual Review
We do not just sign you up and send you off. Our office is dedicated to providing you continual support.
Frequently Asked Questions
Yes, we advise our clients to look into coverage options such as Medicare Supplement plans or Medicare Advantage plans to help protect yourself from high out of pocket costs that you could be left with if you only have Medicare Part A & Part B. Additionally, Original Medicare only, with some exceptions, does not provide prescription drug coverage.
Late enrollment penalties can be imposed for Medicare Parts A, B and D.Talk to an expert at Senior Insurance Agency to understand whether or not these penalties apply to you.
Typically, no. If you are collecting Social Security income before turning 65, you’ll be automatically enrolled in Medicare Parts A and B. If you aren’t receiving these benefits, you’ll need to manually enroll in Medicare during the Initial Election Period, which is three months prior to the first of the month of your 65th birthday, the month of your birthday, and three months following.
Yes, Medicare is a federal health insurance program available in all 50 states, Puerto Rico, the Virgin Islands, Guam, the Northern Mariana Islands, and American Samoa. Beneficiaries enrolled in Original Medicare (Parts A and B) can receive covered services from any provider in the U.S. that accepts Medicare.
If you are enrolled in a Medicare Advantage plan (Part C), the plan may have network restrictions, but it’s still required to cover emergency services anywhere in the U.S. – regardless of network limitations.
Senior Insurance Agency is licensed in NV, CA, ID, AZ, and UT, however, not all of our agents are licensed in those states. Depending on your needs, we will make sure you are with an agent that holds an active license in the state that you reside.