Medicare Advantage

Got a non-renewal letter? Here's your Feb. 28 window.

People in North Las Vegas can choose from 57 Medicare Advantage plans for 2027, against 74 this year. Eleven of this year's plans are gone, 9 are new to Clark County, and 18 that continue have changed their premium, deductible, plan type or name, 15 of them under a new name.

NORTH LAS VEGAS, Nev. — If you have a Medicare Advantage plan in North Las Vegas, this fall's mail is worth opening. Based on the latest CMS Medicare Advantage Landscape files comparing 2026 to 2027, 11 Advantage plans available in Clark County this year will not be offered in 2027, 9 plans are new, and 15 have new names. Another 18 are continuing but changing on premium, deductible, plan type or name. If your plan is on the leaving list, you have a special window — running through the end of February — to pick something else without waiting for next fall.

What is actually changing in Clark County

North Las Vegas is inside Clark County, and Medicare Advantage plans are sold at the county level. So when CMS releases its yearly plan file, the changes apply to every ZIP code in the county — North Las Vegas, Las Vegas, Henderson and the rest.

For 2027, CMS's file shows:

• 11 plans leaving after 2026
• 9 new plans arriving for 2027
• 15 plans keeping the same core plan but changing their name
• 18 plans continuing with a change to premium, deductible, plan type or name (the exact difference is in your ANOC)
• 48 plans continuing largely unchanged

The full lineup is in the table below on this page.

Plans that will not be offered in 2027

If you are enrolled in any of these, your coverage under this plan ends Dec. 31, 2026:

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

Two carriers are exiting the Clark County Medicare Advantage market entirely: Kaiser Permanente and Molina Healthcare of Nevada. If either is your current carrier, you will need to choose a new plan.

Plans that are new for 2027

These plans will be available for the first time next year in Clark County:

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

Plans with new names (same idea, new label)

Fifteen plans are keeping their same basic structure but going by a new name. If you get an ANOC that seems to say your plan is "gone" — check whether it's really just been renamed. Renamed plans for 2027 include several from Aetna, most of Alignment Health's Clark County lineup, Wellcare's Dual Access plan, one Select Health plan, and two UHC Dual Complete plans. The full list of old-and-new names appears in the plan table below.

Renaming does not automatically move you to a different plan. You'll be kept on the same plan under its new name, but you should still read the ANOC to see if premium, deductible, or benefits are changing.

What you should do

1. Watch the mail in late September and October. Every Medicare Advantage member gets an Annual Notice of Change (ANOC) that spells out what — if anything — changes for the coming year. That's where "a change exists" turns into specifics.

2. Confirm your doctors and drugs. Even a continuing plan can adjust its network or drug list. Check that your providers and prescriptions are still covered for 2027.

3. Know your window.

• Annual Enrollment Period: Oct. 15 – Dec. 7, 2026. Anyone with Medicare can join, switch or drop an Advantage or Part D plan for a Jan. 1 start.
• Medicare Advantage Open Enrollment: Jan. 1 – March 31, 2027. If you're already in an Advantage plan, you get one switch (to another Advantage plan or back to Original Medicare with a Part D plan).
• Special Enrollment Period for a non-renewing plan: If your plan is on the leaving list above, you have a SEP that runs through Feb. 28, 2027 to pick a new Advantage or Part D plan, or to move to Original Medicare with a Medigap and Part D plan.

4. Get one-on-one help if you want it. Nevada's State Health Insurance Assistance Program (SHIP), called Nevada SHIP, gives free, unbiased Medicare counseling. You can also call 1-800-MEDICARE or use the Plan Finder at medicare.gov.

A few program facts worth knowing

These aren't tied to any one plan — they apply across Medicare:

• The Part D out-of-pocket cap is $2,100 in 2026.
• The Part D maximum deductible is $615.
• The old coverage gap ("donut hole") is gone as of 2025; Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly amounts, at no extra charge.
• IRMAA surcharges begin above $109,000 in income for a single filer in 2026.