Medicare Advantage

Nine new Medicare Advantage plans reach North Las Vegas for 2027 — here is each one

People in North Las Vegas can choose from 72 Medicare Advantage plans for 2027, against 74 this year. Eleven of this year’s plans are gone, 9 are new to Clark County, and 33 that continue have changed their premium, deductible, plan type or name, 15 of them under a new name.

NORTH LAS VEGAS — When the 2027 Medicare Advantage lineup opens for enrollment on October 15, 2026, shoppers in and around North Las Vegas will see nine plans that were not on the shelf a year ago. North Las Vegas is in Clark County, where CMS's 2027 Landscape file shows those nine brand-new plans coming from six carriers: Aetna (CVS Health), Centene (WellCare), Humana, SCAN Health Plan, Select Health and UnitedHealthcare.

A new plan is not the same as a renewing one. It has no history yet with your doctors, your pharmacy or the Star Ratings program. That is not a mark against it — it is just a fact to work around when you compare options before the December 7, 2026 deadline.

What Medicare Advantage plans are new in North Las Vegas for 2027?

Nine of the 72 Medicare Advantage plans offered in Clark County for 2027 are new — meaning they were not sold here in 2026. They come from six carriers. Listed alphabetically by carrier, the new plans are:

• Aetna (CVS Health): Aetna Medicare Full Dual (HMO D-SNP) — with drug coverage
• Centene (WellCare): Wellcare SilverSummit Healthplan Dual Access (HMO-POS D-SNP) — with drug coverage
• Humana: Humana Gold Plus - Diabetes and Heart (HMO C-SNP) — with drug coverage
• Humana: Humana Gold Plus H1036-344 (HMO) — with drug coverage
• SCAN Health Plan: SCAN Costco Medicare Advantage (HMO) — with drug coverage
• Select Health: Select Health Medicare Veterans (HMO) — without drug coverage
• UnitedHealthcare: AARP Medicare Advantage Patriot No Rx NV-MA2 (HMO-POS) — without drug coverage
• UnitedHealthcare: UHC Dual Complete NV-Q3 (PPO D-SNP) — with drug coverage
• UnitedHealthcare: UHC Dual Complete NV-S6 (PPO D-SNP) — with drug coverage

The table on this page lists every 2027 plan sold in the county, both new and returning, so you can see how the newcomers fit into the fuller picture.

What plan types and Special Needs Plans are in the 2027 newcomers?

The nine new plans break down by type into four HMOs, two HMO-POS plans and three PPOs. Five of the nine are Special Needs Plans — four Dual Eligible SNPs (D-SNPs) for people who have both Medicare and Medicaid, and one Chronic Condition SNP (C-SNP) for people living with specific conditions such as diabetes and chronic heart failure.

Special Needs Plans are not open to everyone. If a plan has "D-SNP" in its name, you generally need to qualify for Medicaid as well as Medicare. If it has "C-SNP," you need a qualifying diagnosis your doctor can confirm. If neither applies to you, the general HMO, HMO-POS and PPO newcomers are the ones to look at.

Do the new 2027 plans include prescription drug coverage?

Seven of the nine new plans include Part D prescription drug coverage built in. Two do not: Select Health Medicare Veterans (HMO) and AARP Medicare Advantage Patriot No Rx NV-MA2 (HMO-POS). Plans without drug coverage are often designed for people who get drug benefits elsewhere — for example, through the VA.

If you enroll in a Medicare Advantage plan that does not include drugs and you do not have other creditable drug coverage, you generally cannot add a stand-alone Part D plan on top of it, and you may face a late-enrollment penalty later. That is a question worth asking before you sign anything.

For context on the Part D side, CMS has confirmed the 2027 Part D out-of-pocket cap will be $2,400 (up from $2,100 in 2026) and the maximum Part D deductible will be $700 (up from $615 in 2026).

How is a brand-new Medicare Advantage plan different from a renewing one?

A renewing plan has a track record. It has a Star Rating based on past member experience, past provider directories you may already know, and a formulary your pharmacy has had time to get used to. A brand-new plan has none of that history yet. Under CMS rules, new plans are not assigned a Star Rating until they have enough data — usually a few years in.

That is a program fact, not a reason to avoid new plans. Many new plans are launched by carriers that have been in the market for years, and the networks and formularies may draw from the same contracts the insurer already uses. It just means you cannot lean on a rating to shortcut your homework. You have to look directly at the plan's own documents and tools.

How can I check a new plan against my doctors and prescriptions before December 7?

The fastest, most accurate check runs through Medicare's own tools. Here is a simple order of operations:

1. Go to the Medicare Plan Finder at medicare.gov/plan-compare. Enter your ZIP code and your prescriptions exactly as you take them (dose and frequency). 2. Filter for the plan you are curious about. The Plan Finder will show whether each drug is on the formulary, what tier it sits on and which pharmacies have the lowest cost-share. 3. Click into the plan and open its provider directory. Search your primary care doctor, any specialists you see and the hospital you prefer. For a brand-new plan, directories may still be filling in — if a doctor is missing, call the plan directly to confirm. 4. Call the doctor's office too. Ask specifically whether they are contracted with that plan name for 2027. "They take Humana" or "they take UnitedHealthcare" is not detailed enough; plans vary within a carrier. 5. If you prefer to talk it through, call 1-800-MEDICARE (TTY 1-877-486-2048), available 24/7.

The Annual Enrollment Period runs October 15 through December 7, 2026. Any change you make takes effect January 1, 2027. If you do nothing, your current plan simply renews (if it is still offered next year) with the changes described in the Annual Notice of Change your plan mailed you in September.