Medicare Supplement
Same Plan G, Different Premiums: Here's Why
Two neighbors in Henderson can buy the exact same Medigap Plan G and pay very different premiums for it. That is not a mistake, and it is not because one policy is "better." Under federal rules, every Plan G sold in Nevada covers the same things — the differences are in who is selling it, how they set the price, and whether they ask health questions when you apply. Here is how to line up those pieces before you sign anything.
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Key takeaways
- Medigap plan letters are standardized, so a Plan G from one Nevada insurer covers the same benefits as a Plan G from any other.
- What changes between insurers is the price, the pricing method (attained-age, issue-age or community-rated), rate-increase history, household discounts and medical underwriting outside your open enrollment window.
- Use the Medicare.gov Medigap policy search by ZIP code and the Nevada Division of Insurance rate guide to see which insurers sell in Clark County and how their rates have moved.
- Nevada SHIP counselors will walk you through comparisons at no cost — call before you enroll if anything is unclear.
The same letter really is the same coverage
Medigap policies are standardized by the federal government. If you are newly eligible for Medicare today, the letters you can buy in Nevada are A, B, D, G, high-deductible G, K, L, M and N. (Plans C and F are only for people who were eligible for Medicare before January 1, 2020.)
That standardization matters. A Plan N is a Plan N no matter whose name is on the envelope. So when you compare insurers, you are not comparing coverage — you are comparing price, pricing method, service and stability.
How insurers price the same plan differently
There are three ways a Medigap insurer can set your premium in Nevada:
- Attained-age rated. The premium is based on your current age and goes up as you get older. It often starts lower at 65 and rises over time.
- Issue-age rated. The premium is based on the age you were when you first bought the policy. It does not go up just because you had a birthday, though it can still rise for other reasons.
- Community rated. Everyone with that policy in the area pays the same base premium, regardless of age.
All three methods can still see rate increases from inflation, claims experience or medical costs. The label just tells you what role your age plays. When you call an insurer or read a brochure, ask which method they use — it changes what your premium looks like ten years from now, not just this year.
Rate history is the piece most shoppers skip
A low starting premium is not much help if the insurer raises rates sharply every year. The Nevada Division of Insurance publishes a Medigap rate guide that shows recent increases by company and plan letter. Looking at three to five years of history gives you a much better sense of what to expect than a single quote.
You can also ask the insurer directly for their rate-increase history in Nevada for the plan letter you are considering. A reputable agent will have this on hand.
Household discounts and underwriting
Two more things move the real price:
- Household or spousal discounts. Some Nevada insurers reduce the premium — often in the range of 5% to 12% — if another adult in your household also has a policy with them, or sometimes just lives with you. The rules vary by company, so ask.
- Medical underwriting. During your six-month Medigap Open Enrollment Period (which starts when you are 65 or older and enrolled in Part B), insurers must sell you any plan they offer at their best available rate, regardless of health. Outside that window, most insurers in Nevada can ask health questions and can decline you or charge more. A handful of guaranteed-issue situations exist, but they are narrow.
If you are inside your open enrollment window, that is the moment your choices are widest.
How to find every insurer selling in Henderson
Henderson is in Clark County, and Medigap availability is set at the state level in Nevada, so any insurer licensed to sell a given plan letter in Nevada can sell it to you. To build your own comparison list:
1. Go to medicare.gov and use the Medigap policy search. Enter a Henderson ZIP code, then filter by the plan letter you want. You will see every insurer offering that letter, along with sample premiums and the pricing method each uses. 2. Check the Nevada Division of Insurance website for the current Medigap premium comparison guide and recent rate-change filings. 3. Call Nevada SHIP (the State Health Insurance Assistance Program) for free, unbiased counseling. They do not sell policies. 4. If you work with an agent, ask them to show quotes from every insurer they are appointed with — not just one or two.
The table on this page lists the standardized plan letters available today; use it as a checklist as you shop.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Clark County
(MA penetration in Clark County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Who sells Medigap here
Medigap insurers in Nevada
Insurers offering Medigap policies in Nevada, listed alphabetically. Prices vary by insurer for the same letter and are not shown here.
- AARP - UnitedHealthcare Insurance Company Plans A, B, C, F, G, K, L, N
- AFLAC Plans A, F, G, N
- American Benefit Life Insurance Company Plans A, F, G, N
- Anthem Blue Cross and Blue Shield - Nevada Plans A, F, G, N
- Bankers Life (Underwritten by Washington National Insurance Company) Plans A, F, G, G-HD, N
- Continental Life Insurance Company of Brentwood, Tennessee (Aetna) Plans A, B, F, G, G-HD, N
- GPM Health and Life Insurance Company Plans A, F, G, N
- Guarantee Trust Life Insurance Company Plans A, F, G, N
- HealthSpring Insurance Company Plans A, F, G, G-HD, N
- Humana (Humana Benefit Plan of Illinois, Inc.) Plans A, F, G, G-HD, N
- Insurance Company of North America Plans A, F, G, G-HD, N
- LifeShield National Insurance Company Plans A, F, G, N
- Lumos Insurance Plans A, F, G, G-HD, N
- Mutual of Omaha (Omaha Insurance Company) Plans A, F, G, G-HD, N
- Physicians Select Insurance Company Plans A, F, G, G-HD
- State Farm Mutual Automobile Insurance Company Plans A, C, F, G, N
- United American Insurance Company Plans A, B, C, D, F, F-HD, G, G-HD, K, L, N
- USAA Life Insurance Company Plans A, F, G, N
- Wisconsin Physicians Service Insurance Corporation Plans A, C, F, G, N
Source: Medicare.gov Medigap policy search. No insurer is ranked or recommended.
Medicare Supplement (Medigap)
The Medigap plans you can buy in Nevada
Medigap plans are standardized by federal law: a Plan G from one insurer covers the same things as a Plan G from any other. Insurers set their own prices, which are not shown here.
| Plan | What it covers | Open to new enrollees |
|---|---|---|
| Plan A | The basic benefits every Medigap plan includes: Part A hospital coinsurance and up to 365 extra hospital days, Part B coinsurance, the first three pints of blood, Part A hospice coinsurance. | Yes |
| Plan B | Plan A plus the Part A hospital deductible. | Yes |
| Plan C | Plan B plus skilled-nursing coinsurance, the Part B deductible and foreign-travel emergency care. Closed to people newly eligible for Medicare on or after January 1, 2020. | Only if you were eligible before 2020 |
| Plan D | Plan B plus skilled-nursing coinsurance and foreign-travel emergency care (not the Part B deductible). | Yes |
| Plan F | Every standardized benefit, including the Part B deductible and Part B excess charges. Closed to people newly eligible on or after January 1, 2020. A high-deductible version exists. | Only if you were eligible before 2020 |
| Plan G | Every standardized benefit except the Part B deductible (which you pay yourself each year). A high-deductible version (G-HD) pays after you meet a yearly deductible. | Yes |
| Plan K | Pays a share of most cost-sharing (50 percent for several benefits) with a yearly out-of-pocket limit set by federal rules. | Yes |
| Plan L | Like Plan K with a larger share (75 percent) and a lower yearly out-of-pocket limit. | Yes |
| Plan M | Like Plan D but covers half of the Part A hospital deductible. | Yes |
| Plan N | Like Plan G, except a small copayment for some office and emergency-room visits, and it does not cover Part B excess charges. | Yes |
Source: CMS, Medicare Supplement Insurance (Medigap) rules; medicare.gov.
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Good to know
Frequently asked questions
Is a Plan G from a bigger-name insurer better than a Plan G from a smaller one?
When can I switch Medigap insurers without health questions?
Does the Medigap Open Enrollment Period line up with the Annual Enrollment Period in the fall?
Where do I find a full, current list of Medigap insurers in Nevada?
- Medicare.gov Medigap policy search and state insurance-department rate guides
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Also for Henderson
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This page was last updated: September 2026.