Medicare Advantage

Got an ANOC Letter in Las Vegas? Read This First

For 2027, Las Vegas is looking at 57 Medicare Advantage plans from 10 carriers: 9 new, 11 gone since 2026, and 18 still here but changed on premium, deductible, plan type or name, 15 of them under a new name. Below, how the lineup shifted in Clark County and what to compare, with no plan ranked or recommended.

Medicare AdvantageLas Vegas, NV

Las Vegas, Nev. — The Medicare Advantage lineup in Clark County is shifting for the 2027 plan year, and the Annual Notice of Change letters landing in mailboxes now spell out what that means for each member. According to a comparison of CMS's Medicare Advantage Landscape Source Files for 2026 and 2027, 11 plans currently sold in Clark County will not return next year, 9 new plans are being added, and 15 existing plans are being renamed. Another 18 plans are changing on things like premium, deductible, plan type or name, while 48 plans continue.

Two carriers — Kaiser Permanente and Molina Healthcare of Nevada — will not offer Medicare Advantage plans in Clark County next year. Members in any of those plans will need to make a choice during this fall's Annual Enrollment Period or use the Special Enrollment Period that follows a plan non-renewal.

Plans leaving Clark County after 2026

Eleven Medicare Advantage plans currently offered in Clark County are ending after the 2026 plan year. In alphabetical order by carrier, they are:

• Aetna (CVS Health): Aetna Medicare Signature (HMO)
• Centene (WellCare): Wellcare Simple (HMO-POS); Wellcare Specialty Simple (HMO-POS C-SNP)
• Champion Health Plan: Champion Select (HMO-POS C-SNP)
• Kaiser Permanente: Senior Care Plus Complete Plan (HMO); Senior Care Plus Enriched Duals Plan (HMO D-SNP)
• Molina Healthcare of Nevada: Molina Medicare Complete Care (HMO D-SNP)
• SCAN Health Plan: SCAN MyChoice (HMO)
• Select Health: Select Health Medicare Dual (HMO D-SNP)
• UnitedHealthcare: AARP Medicare Advantage from UHC NV-0002 (HMO-POS); UHC Complete Care Support NV-11 (HMO-POS C-SNP)

If you are in one of these plans, you should have already received — or will soon receive — a non-renewal notice from your insurer. That letter is important. Keep it. It's the proof you'll use to take advantage of the Special Enrollment Period described below.

New plans coming to Clark County for 2027

Nine new Medicare Advantage plans are being introduced in Clark County for the 2027 plan year:

• Aetna (CVS Health): Aetna Medicare Full Dual (HMO D-SNP)
• Centene (WellCare): Wellcare SilverSummit Healthplan Dual Access (HMO-POS D-SNP)
• Humana: Humana Gold Plus – Diabetes and Heart (HMO C-SNP); Humana Gold Plus H1036-344 (HMO)
• SCAN Health Plan: SCAN Costco Medicare Advantage (HMO)
• Select Health: Select Health Medicare Veterans (HMO)
• UnitedHealthcare: AARP Medicare Advantage Patriot No Rx NV-MA2 (HMO-POS); UHC Dual Complete NV-Q3 (PPO D-SNP); UHC Dual Complete NV-S6 (PPO D-SNP)

Several of these are Dual-eligible or Chronic-condition Special Needs Plans, which have specific eligibility rules. If a name catches your eye, check with the insurer or on medicare.gov to confirm you qualify before you enroll.

Renamed plans — same plan, new label

Fifteen plans in Clark County are being renamed for 2027. A renamed plan is not a new plan; it's the same contract with a different label on it. But the new name is what you'll see on medicare.gov's plan finder this fall, so it's worth knowing which is which. Notable renames include:

• Aetna Medicare Partial Dual (HMO D-SNP), previously Aetna Medicare Dual Prime (HMO D-SNP)
• Aetna Medicare Prime (HMO) and Aetna Medicare Prime Extra (HMO) — these two names have swapped, so check your ANOC carefully
• Aetna Medicare Signature (HMO), previously Aetna Medicare Signature Extra (HMO)
• Aetna Medicare Value Care (HMO), previously Aetna Medicare Value Plus (HMO)
• Several Alignment Health plans have added number suffixes (for example, Alignment Health Duals+ 005 was Alignment Health the ONE)
• Wellcare SilverSummit Healthplan Dual Liberty (HMO-POS D-SNP), previously Wellcare Dual Access
• Select Health Medicare Value Giveback (HMO), previously Select Health Medicare + Kroger
• Two UHC Dual Complete plans have moved from NV-S001/S002 numbering to NV-Q1/Q2

Because the Aetna Prime and Prime Extra names have effectively swapped between two plans, members in those should read their ANOC especially carefully to know which plan they'll actually be in next year.

What changed and what didn't

CMS's file shows 18 additional Clark County plans have a change on premium, deductible, plan type or name for 2027. The Annual Notice of Change (ANOC) your carrier sends every September is the document that spells out the specifics — what the premium and deductible will be, whether the plan type is changing, whether a benefit or the drug formulary is different. If you haven't read yours, that's the single most useful hour you'll spend before Dec. 7.

Forty-eight plans in Clark County are continuing with no name change and no change to the tracked fields in the CMS landscape file. That doesn't mean nothing about them is different — benefits and networks can shift year to year — so the ANOC is still worth a look.

The table on this page lists every 2027 Medicare Advantage plan available in Clark County, by carrier.

What to do if your plan is leaving

If your Medicare Advantage plan is one of the 11 not returning to Clark County, you have two enrollment windows:

Annual Enrollment Period, Oct. 15 – Dec. 7. During this period, anyone with Medicare can switch to a different Medicare Advantage plan, join a stand-alone Part D drug plan, or return to Original Medicare. Coverage starts Jan. 1.

Special Enrollment Period for plan non-renewal. When CMS confirms your plan is not being renewed, you get a Special Enrollment Period that runs from Dec. 8 through the end of February. During this window you can choose a different Medicare Advantage plan or move to Original Medicare (with or without a Part D plan). If you don't act, you may be moved back to Original Medicare on Jan. 1 with no drug coverage, so making an active choice is better than waiting.

If you had a Medicare Supplement (Medigap) policy before joining your current Advantage plan, ask about your rights to return to Medigap coverage — leaving an Advantage plan that's ending can trigger a guaranteed-issue right in Nevada under federal rules.

A few program facts worth knowing

Whichever plan you land in, a few program-level changes affect everyone on Medicare drug coverage:

• The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once your drug costs hit that number, you pay nothing for covered drugs the rest of the year.
• The Part D maximum deductible is $615.
• The "donut hole" coverage gap was eliminated in 2025, so Part D now has three phases, not four.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in monthly installments, at no added cost. You have to opt in.
• IRMAA (the income-related surcharge on Parts B and D) begins above $109,000 in income for a single filer in 2026.

Where to get personalized help

For personalized answers, use official resources — not a call from a number you don't recogn