Medicare Supplement

Medigap in Las Vegas: which lettered plans Nevadans can still buy today

If you live in Las Vegas and you're pairing Original Medicare with a Medigap policy — or thinking about it — the first thing to know is that Medigap plans are federally standardized. That means a Plan G in Nevada covers the same set of gaps as a Plan G anywhere else in the country (with a few state exceptions that don't apply here). What changes from insurer to insurer is the price and the service, not the benefits inside a given letter.

Medicare SupplementLas Vegas, NV

Medigap in Las Vegas: which lettered plans Nevadans can still buy today

Here's what Nevadans newly eligible for Medicare can shop for today, how Medigap fits with Part D, and where to look up real prices for your ZIP code.

The plan letters you can buy in Nevada

Medigap policies are labeled by letter, and each letter is a fixed benefit package set by federal rules. In Nevada, if you're becoming eligible for Medicare today, the letters available to you are:

• Plan A
• Plan B
• Plan D
• Plan G
• Plan G High-Deductible (Plan G-HD)
• Plan K
• Plan L
• Plan M
• Plan N

Plans C and F are closed to anyone who became eligible for Medicare on or after January 1, 2020. If you were eligible before that date and never enrolled, you may still be able to buy them.

Because the benefits inside each letter are identical across insurers, the shopping question isn't "which company has the best Plan G?" — it's "which company offers the letter I want at a price I can live with, with service I trust?"

How Medigap fits with Original Medicare and Part D

Medigap only works alongside Original Medicare — Part A (hospital) and Part B (medical). It helps pay some of the out-of-pocket costs Original Medicare leaves behind, like coinsurance and, depending on the letter, the Part A deductible.

A few things to keep in mind:

• Medigap does not work with Medicare Advantage. You can't use both at the same time.
• Medigap does not include prescription drug coverage. To get drug coverage, you'll usually add a stand-alone Part D plan.
• In 2026, Part D has a $2,100 annual out-of-pocket cap and a maximum deductible of $615. The old coverage gap ("donut hole") was eliminated in 2025, and there are now three payment phases. If your drug costs are uneven month to month, you can ask about the Medicare Prescription Payment Plan, which spreads them across the year.

Higher-income enrollees should also know IRMAA surcharges on Part B and Part D begin above $109,000 in income for a single filer in 2026.

When you can buy — and why timing matters in Nevada

Las Vegas is in Clark County, and Nevada follows federal Medigap rules. Your best protection as a buyer is your Medigap Open Enrollment Period: a one-time, six-month window that starts the month your Part B coverage begins and you're 65 or older. During that window, insurers must sell you any Medigap policy they offer at their best available rate, regardless of your health history.

Once that window closes, insurers in Nevada can generally use medical underwriting, which means they can ask about your health and, in some cases, charge more or decline coverage. There are limited federal "guaranteed issue" rights — for example, if a plan leaves the area or your employer coverage ends — but they are narrower than the initial open enrollment right.

Nevada may offer additional consumer protections beyond federal law. Before assuming a rule applies to you, confirm with the Nevada Division of Insurance or Nevada SHIP.

Pricing methods — the piece most shoppers miss

Two people can buy the exact same Plan G on the exact same day and pay very different premiums. That's because insurers use different pricing methods:

• Community-rated — everyone pays the same premium regardless of age.
• Issue-age-rated — your premium is based on your age when you buy.
• Attained-age-rated — your premium is based on your current age and typically rises as you get older.

None is universally "better." What matters is how the premium may change over time, and that's a question to ask before you sign. Rate increases can also happen due to inflation and claims experience, separate from the pricing method.

How to shop without getting overwhelmed

The table below lists every plan letter available to newly eligible Nevadans. To turn that into real quotes:

1. Use the Medicare.gov Medigap policy search. Enter your Las Vegas ZIP code to see which insurers offer which letters in your area and to pull sample premiums. 2. Check the Nevada Division of Insurance's Medigap rate guide. It publishes premium information by insurer so you can compare on paper. 3. Call Nevada SHIP (State Health Insurance Assistance Program). SHIP counselors offer free, unbiased, one-on-one help. They don't sell anything. 4. Ask each insurer the same questions. What pricing method do you use? What have your rate changes looked like over the past few years? What's your household discount, if any?