Medicare Supplement

Does Your Henderson Medigap Letter Cover What You Think?

If you live in Henderson and you're pairing Original Medicare with a Medicare Supplement policy — often called Medigap — the good news is that the coverage itself is standardized by the federal government. Every Medigap policy sold in Nevada follows the same letter labels, so a Plan G from one company covers the same core benefits as a Plan G from another. What changes between insurers is the price and the service, not the benefits inside the letter.

Medicare SupplementHenderson, NV

The short version for Henderson readers

Henderson is in Clark County, and Nevada residents shopping for a Medigap policy today can choose from Plans A, B, D, G, high-deductible G, K, L, M and N. Plans C and F are still around, but only for people who became eligible for Medicare before January 1, 2020.

What the plan letters actually mean

Medigap is private insurance that helps pay some of what Original Medicare leaves behind — things like coinsurance, copays and hospital costs after Part A benefits run out. Because the plans are standardized, the letter tells you the benefits. Two people in Henderson with a Plan N have the same Plan N benefits, even if they buy from different companies.

Plans A and B are the more basic options. Plan G and Plan N are the most commonly chosen among newly eligible enrollees today, because they cover a broad share of out-of-pocket costs. High-deductible Plan G has the same benefits as regular Plan G, but you pay a set deductible before the policy starts paying. Plans K, L and M share costs differently, often with lower premiums in exchange for more cost-sharing on your end.

We're not going to tell you which letter is best — that depends on your health, your budget and how you use care. A licensed agent, Nevada SHIP counselor, or the Medicare.gov comparison tool can walk you through it.

How Medigap fits with Original Medicare and Part D

Medigap only works with Original Medicare. If you're enrolled in a Medicare Advantage plan (Part C), you can't also use a Medigap policy — the two aren't designed to work together.

Medigap also doesn't include prescription drug coverage. If you want help paying for medications, you'd sign up for a stand-alone Part D drug plan. For 2026, Part D has an annual out-of-pocket cap of $2,100, a maximum deductible of $615, and the old coverage gap ("donut hole") is gone — replaced by three simpler payment phases since 2025. There's also an optional Medicare Prescription Payment Plan that lets you spread drug costs across the year in monthly amounts instead of paying big bills at the pharmacy.

Higher-income enrollees may pay an IRMAA surcharge on Part B and Part D; for 2026 that starts above $109,000 in income for a single filer.

The Nevada rules that shape your choice

Federal law gives you a six-month Medigap Open Enrollment Period that starts the first month you're 65 or older and enrolled in Part B. During that window, insurers in Nevada must sell you any Medigap policy they offer at their standard rate, regardless of your health history. This is the strongest shopping window most people ever get.

Outside that window, insurers can generally use medical underwriting — meaning they can ask health questions and either charge more or decline coverage — unless you qualify for a federal guaranteed-issue right (for example, if your Medicare Advantage plan leaves the area).

Nevada may have additional state-level rules or protections beyond the federal ones, and those can change. Rather than guess, confirm your current rights with the Nevada Division of Insurance or your local SHIP counselor before you switch.

How to compare policies sold in Henderson

Because Medigap benefits are locked in by letter, price and customer service are what really vary. The table below lists the plan letters available in Nevada. To see which insurers sell which letters in your ZIP code:

• Use the Medigap policy search on Medicare.gov (enter a Henderson ZIP code).
• Ask the Nevada Division of Insurance for its Medigap rate comparison guide.
• Call Nevada SHIP for free, unbiased one-on-one help.

When you compare quotes, ask each company how it prices the policy — issue-age, attained-age or community-rated — because that affects how the premium may change as you get older. Ask about the insurer's rate-increase history, too.