Original Medicare covers a lot — but not everything. When you leave the hospital or a doctor’s office, the 20% coinsurance Medicare doesn’t pay doesn’t disappear. It becomes your bill. For a $100,000 surgery, that’s $20,000 out of pocket, with no cap. Medicare Supplement insurance — called Medigap — exists to cover exactly those gaps.
This guide covers every Medigap plan available in Nevada for 2026, what each plan covers, what premiums look like in the Las Vegas market, and how to decide which plan is right for your situation.
What Is Medicare Supplement (Medigap) Insurance?
Medigap is private health insurance designed to work alongside Original Medicare (Parts A and B). It fills the coverage gaps Original Medicare leaves: the Part A hospital deductible ($1,632 in 2026), the Part B coinsurance (20% of most outpatient services), excess charges from providers who don’t accept Medicare assignment, and skilled nursing facility coinsurance costs.
Federal law standardizes Medigap plans — every insurer selling Plan G in Nevada must offer identical benefits. What varies between carriers is the premium, not the coverage. This means shopping among carriers for Plan G is purely a price comparison: you are buying the exact same coverage at different prices.
Critical rule: Medigap is incompatible with Medicare Advantage. You must be enrolled in Original Medicare (Parts A and B) to purchase a Medigap policy. If you currently have Medicare Advantage and want to switch to Medigap, you must first return to Original Medicare — typically during the Annual Enrollment Period. See our Medicare Advantage vs. Original Medicare guide for a full comparison of the two paths.
Medigap Plans Available in Nevada
Nevada offers a standard set of Medigap plans. Plans C and F were closed to new enrollees after January 1, 2020 — if you turned 65 before that date you may still have one, but new applicants cannot enroll. The plans available to new enrollees in 2026 are:
| Plan | Part A Deductible | Part B Coinsurance | Part B Excess Charges | SNF Coinsurance | Foreign Travel |
|---|---|---|---|---|---|
| Plan A | No | Yes (100%) | No | No | No |
| Plan B | Yes (100%) | Yes (100%) | No | No | No |
| Plan D | Yes (100%) | Yes (100%) | No | Yes | 80% |
| Plan G ⭐ | Yes (100%) | Yes (100%) | Yes (100%) | Yes | 80% |
| Plan G+ | Yes (100%) | Yes (100%) | Yes (100%) | Yes | 80% |
| Plan K | 50% | 50% | No | 50% | No |
| Plan L | 75% | 75% | No | 75% | No |
| Plan M | 50% | Yes (100%) | No | Yes | 80% |
| Plan N | Yes (100%) | Yes (100%) | No | Yes | 80% |
Plan G is the most popular choice for new enrollees in Nevada in 2026. It covers every gap Original Medicare leaves except one: the Part B deductible ($257/year in 2026). Pay that $257 once per year and everything else is covered — no coinsurance, no copays, no excess charges. For most people, the peace of mind and predictability of Plan G is worth the slightly higher premium over Plan N.
Plan N is the leading budget alternative. It has the same core coverage as Plan G, but trades off two items: it does not cover Part B excess charges, and it charges small copays ($20 for most office visits, $50 for emergency room visits that don’t result in an inpatient admission). For relatively healthy enrollees who see a limited number of providers, Plan N can save $40–$70/month in premiums.
Plan G+ (High-Deductible Plan G): Plan G+ has a $2,800 deductible in 2026 before benefits kick in. Once you meet the deductible, coverage is identical to standard Plan G. Premium is significantly lower — sometimes under $50/month. It’s a fit for enrollees who are healthy, want catastrophic protection, and are comfortable with higher out-of-pocket risk early in the year.
Comparing Medigap plans takes about 5 minutes with the right tool.
MediPilot shows Plan G and Plan N quotes from every carrier available in your Nevada ZIP code — same coverage, different prices. Find out where you’d save.
Compare Medigap Quotes in Nevada →How Much Does Medigap Cost in Nevada?
Medigap premiums in Nevada depend on four factors: your age, your ZIP code, your gender, and whether you use tobacco. Nevada uses attained-age rating, which means your premium will increase as you get older — it doesn’t lock in at the rate you paid when you first enrolled.
Clark County (Las Vegas Area) Typical Ranges — 2026
| Plan | Age 65 (Female, Non-Tobacco) | Age 70 | Age 75 |
|---|---|---|---|
| Plan G | $120–$165/mo | $145–$195/mo | $175–$250/mo |
| Plan N | $80–$120/mo | $100–$145/mo | $125–$180/mo |
| Plan G+ | $35–$60/mo | $45–$75/mo | $55–$90/mo |
These ranges reflect quotes across major carriers in Clark County in early 2026. Premiums for males typically run 5–15% higher than for females at the same age. Tobacco users can pay 10–50% more depending on the carrier. Rural Nevada ZIP codes may see slightly different pricing than the Las Vegas metro.
Major Carriers in Nevada
- AARP/UnitedHealthcare — Largest Medigap carrier nationally; competitive Plan G rates; strong brand recognition
- Mutual of Omaha — Consistently competitive pricing on Plan G and Plan N; high financial stability ratings
- Aetna — Competitive rates for younger enrollees; broad Nevada availability
- Cigna — Competitive pricing; available in Clark and Washoe counties
- Blue Cross Blue Shield of Nevada — Local carrier with strong Nevada presence and network relationships
Because Plan G benefits are federally standardized, choosing the lowest-premium carrier for your plan is mathematically correct — the coverage is identical. The only other factors to weigh are the carrier’s claims processing reputation and financial stability rating (A.M. Best rating).
The Medigap Open Enrollment Period
The Medigap Open Enrollment Period (OEP) is the most important enrollment window for Medigap — not to be confused with the Medicare Advantage Open Enrollment Period that runs January 1 through March 31.
Your Medigap OEP is a 6-month window that begins the first month you are both age 65 or older AND enrolled in Medicare Part B. During this window, every insurer in Nevada must:
- Sell you any Medigap plan they offer
- Charge you the same premium as a healthy applicant your age
- Not deny you coverage based on pre-existing conditions
Once this 6-month window closes, those guaranteed issue rights are gone. Nevada insurers can — and generally do — require medical underwriting for new applicants. That means a health history with diabetes, heart disease, cancer, or COPD can result in higher premiums, exclusions for related conditions, or outright denial of coverage.
If you delayed Part B: If you were still working at 65 and delayed Part B enrollment (covered by employer insurance), your Medigap OEP starts when you enroll in Part B — regardless of your age. A 70-year-old enrolling in Part B for the first time still gets the full 6-month guaranteed-issue window. See the Medicare Enrollment Periods guide for full details on Part B timing rules.
Are you in your Medigap Open Enrollment window right now?
If you’re turning 65 or just enrolled in Part B, this is your best chance to lock in Medigap coverage at guaranteed rates — no medical questions, no denials. MediPilot can show you your options in minutes.
Check My Medigap Eligibility →Medigap vs. Medicare Advantage in Nevada
The choice between Medigap and Medicare Advantage is the most consequential Medicare decision most Nevada seniors make. They are fundamentally different approaches to coverage, not just different price points.
| Factor | Medigap + Original Medicare | Medicare Advantage |
|---|---|---|
| Monthly premium | Higher ($120–$250+ for Plan G) | Lower (often $0–$50) |
| Out-of-pocket risk | Very low (near-zero with Plan G) | Higher (OOP max up to $8,850 in-network) |
| Provider access | Any provider accepting Medicare — nationwide | Network-restricted; HMOs require referrals |
| Referrals required | No | Yes (HMO); No (PPO) |
| Extra benefits | None (dental/vision separate) | Often includes dental, vision, hearing |
| Travel coverage | Nationwide + 80% foreign emergency (Plan G) | Network-based; limited out-of-area coverage |
| Drug coverage | Separate Part D plan required | Usually bundled |
| Clark County networks | All Nevada Medicare providers | Strong (Valley Health, Sunrise/HCA available) |
| Rural Nevada | Works everywhere Medicare is accepted | Very limited plan options outside metro |
Clark County has strong Medicare Advantage networks — the Las Vegas metro is one of the better MA markets in the country. But rural Nevada is a different story: limited plans, narrow networks, and HMO structures that can restrict access to specialists. If you live outside the metro or spend significant time traveling, Medigap’s nationwide coverage and zero-network-restriction model is a major practical advantage.
For a full decision framework on which path fits your situation, see our Medicare Advantage vs. Original Medicare Nevada guide and the Best Medicare Plans in Las Vegas 2026 article for Clark County-specific plan comparisons.
How to Choose the Right Medigap Plan
Most Nevada seniors choosing Medigap in 2026 are deciding between Plan G and Plan N. Here’s the decision framework:
Choose Plan G if:
- You want the most predictable, near-zero out-of-pocket cost structure
- You see specialists regularly or have chronic conditions requiring frequent care
- You see providers who don’t accept Medicare assignment (excess charge risk)
- You travel frequently and want coverage that works anywhere in the U.S.
- The premium difference vs. Plan N is less than $70/month (Plan G often pays for itself)
Choose Plan N if:
- You want lower premiums and can accept $20 office visit copays and $50 ER copays
- You rarely see specialists and your doctor accepts Medicare assignment (no excess charge risk)
- You’re relatively healthy and the premium savings are meaningful to your budget
- The annual premium savings exceed $600/year vs. Plan G (covering 30+ office visits)
Consider Plan G+ (High-Deductible) if:
- You are healthy and rarely use medical services
- You want catastrophic protection but can absorb up to $2,800 out of pocket in a bad year
- Budget is a significant constraint and premium savings of $100+/month are the priority
Note that Medigap does not cover prescription drugs — you’ll need a standalone Part D plan alongside any Medigap policy. For Part D plan options in Nevada, see our Medicare Part D Plans Nevada 2026 guide.
Nevada-Specific Resources
Nevada has dedicated resources to help seniors evaluate Medigap options at no cost:
Nevada SHIP (State Health Insurance Assistance Program)
SHIP provides free, unbiased one-on-one Medicare counseling from trained volunteers with no sales incentive. SHIP counselors can compare Medigap plans, explain your enrollment options, and help you understand your guaranteed-issue rights. Call 1-800-307-4444 or visit the Nevada SHIP website to schedule a counseling session.
ADSD (Aging and Disability Services Division)
The Nevada Aging and Disability Services Division coordinates Medicare counseling statewide through the ADSD network. Their main benefits counseling hotline is 1-866-303-6323. ADSD can connect you with local counselors in Clark, Washoe, and rural Nevada counties.
Nevada Division of Insurance
The Nevada Division of Insurance maintains a Medigap rate comparison tool that shows premiums for all standardized plans from all licensed carriers in the state. Because Nevada requires insurers to file their rates, this tool provides an objective starting point for premium comparisons. Visit doi.nv.gov and search for Medicare Supplement rate comparisons. Note: rates are updated periodically and may not reflect the most current premiums from each carrier — always verify with the carrier before enrolling.
Medicare.gov Plan Finder
The official Medicare Plan Finder at medicare.gov/plan-compare allows you to compare Medigap policies by plan type and ZIP code. It shows carriers, premiums, and contact information for all federally approved Medigap plans in your area.
Next Steps
Medigap is a high-value decision made once — and the window for guaranteed-issue enrollment doesn’t wait. If you’re approaching 65 or just enrolled in Part B, comparing plans now is the right move.
- Return to the MediPilot blog for the full Nevada Medicare guide library
- Review the Medicare Advantage vs. Original Medicare guide if you haven’t decided between the two paths
- Compare Best Medicare Plans in Las Vegas 2026 for Clark County-specific MA options
- See the Medicare Part D plans Nevada 2026 guide to select drug coverage alongside your Medigap plan
- Check your enrollment period eligibility to confirm which window applies to you
- Read the Medicare FAQ for answers to common Nevada senior questions