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HomeMedicare SupplementNevadaMedigap in Nevada for 2027: 19 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Nevada for 2027: 19 Insurers and the Plans They Sell

LAS VEGAS — Nevadans with Original Medicare have a wide field of Medicare Supplement Insurance (Medigap) options heading into 2027. A Medicare.gov Medigap policy search for ZIP code 89101 lists 19 insurers selling federally standardized plans in the state, with letters ranging from A to N. Here is what Nevada readers should know as they weigh a Medigap policy for the year ahead.

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Key takeaways

  • Medicare.gov's Medigap policy search for ZIP code 89101 lists 19 insurers selling Medigap in Nevada, with plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, and N available from at least one of them.
  • Plans C and F are closed to anyone newly eligible for Medicare on or after January 1, 2020.
  • A six-month Medigap Open Enrollment Period starts the month you are 65 or older and enrolled in Part B — the one time an insurer in Nevada must sell you any Medigap plan it offers without medical underwriting.
  • CMS Landscape files show 21 Medicare Advantage plans offered somewhere in Nevada in 2026 will not be offered anywhere in the state in 2027; affected members receive a federal guaranteed-issue right to buy certain Medigap plans.
Happy senior couple at home — illustrating this Medicare guideMedicare SupplementNevada
Photo: SHVETS production Photo by SHVETS production on Pexels
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in Nevada
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in Nevada?

Medigap is a private insurance policy that works alongside Original Medicare (Parts A and B) to help pay some of the out-of-pocket costs Original Medicare leaves behind, such as coinsurance and copayments. It is not Medicare Advantage. Medicare Advantage (Part C) is a different way to get Medicare benefits, through a private plan that replaces Original Medicare's claims process and usually uses a network. You cannot use a Medigap policy with a Medicare Advantage plan — Medigap works only with Original Medicare.

Because Medigap plans are standardized by federal letter, Plan G from one insurer offers the same core benefits as Plan G from another. Premiums, customer service, and underwriting rules can differ.

Which insurers sell Medigap in Nevada and what plan letters do they offer?

Medicare.gov's Medigap policy search for ZIP code 89101 lists 19 insurers in Nevada. What is available can differ by ZIP code and by applicant age, sex, and tobacco use. Here is the list, alphabetical, with the standardized plan letters each insurer is shown offering:

Taken together, Nevadans can find at least one insurer offering plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, or N. Plans C and F are closed to people who first became eligible for Medicare on or after January 1, 2020.

What is the six-month Medigap Open Enrollment Period in Nevada and why does it matter?

The Medigap Open Enrollment Period is a one-time, six-month window that begins the first month you are both age 65 or older and enrolled in Medicare Part B. During this window, any insurer selling Medigap in Nevada must sell you any policy it offers at the same price it charges people in good health, and it cannot refuse you or make you wait for coverage of a pre-existing condition in most cases.

Once that six months is over, insurers in Nevada can generally use medical underwriting to decide whether to sell you a Medigap policy and what to charge, unless you have a guaranteed-issue right. That is why the initial window matters: it is the time with the fewest obstacles to getting the policy you want.

What happens to my Medigap options in Nevada if my Medicare Advantage plan is not returning in 2027?

According to CMS Landscape files, 21 Medicare Advantage plans offered somewhere in Nevada in 2026 will not be offered anywhere in the state in 2027. If you are enrolled in one of those non-returning plans, federal rules give you a guaranteed-issue right to buy certain Medigap policies — meaning an insurer must sell you a qualifying plan without medical underwriting, within the time limits Medicare sets.

Guaranteed-issue rights also apply in other situations, such as losing certain employer coverage. For the full list of qualifying situations and the specific plan letters available in each, see Medicare.gov or call 1-800-MEDICARE.

Does Medigap cover prescriptions in Nevada, and how do I get drug coverage for 2027?

Medigap sold today does not cover outpatient prescription drugs. To get Part D drug coverage in Nevada, you enroll in a separate standalone Medicare Part D plan alongside Original Medicare and your Medigap policy.

For 2027, federal rules set a $2,400 annual out-of-pocket cap on covered Part D drugs (up from $2,100 in 2026), and no Part D plan may charge a deductible higher than $700. The 2027 Part D base beneficiary premium — a national figure used to calculate the late-enrollment penalty — is $41.33; actual plan premiums are set by each plan. You can compare Part D plans on the Medicare Plan Finder at Medicare.gov.

How do I compare Medigap policies in Nevada?

Start with the standardized letter. Because every Plan G, every Plan N, and so on offers the same core benefits across insurers, the comparison is largely about premium, how the insurer prices by age, customer service, and underwriting rules outside the initial open enrollment window. Medicare.gov's Medigap policy search lets you enter your ZIP code and see the insurers listed for your area; for exact premiums and benefit documents, contact the insurer directly.

Keep in mind that the Annual Enrollment Period of October 15 – December 7, 2026 — with choices effective January 1, 2027 — applies to Medicare Advantage and Part D. Medigap uses its own enrollment and guaranteed-issue rules year-round.

Where can Nevadans get free help with Medigap questions?

Free, official help is available from Medicare itself. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week, or visit Medicare.gov to use the Medigap policy search and the Medicare Plan Finder for Part D. These tools are free to use and are the authoritative source for current plan listings in your ZIP code.

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.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can I switch from Medicare Advantage to Medigap in Nevada during Annual Enrollment 2027?
You can use the Annual Enrollment Period of October 15 – December 7, 2026 to leave a Medicare Advantage plan and return to Original Medicare for 2027, but buying a Medigap policy is a separate step. Outside your initial six-month Medigap Open Enrollment Period or a guaranteed-issue situation, Nevada insurers can generally use medical underwriting. Check Medicare.gov or call 1-800-MEDICARE for details.
Are Medigap Plans C and F still available to new Nevadans in 2027?
Plans C and F are closed to anyone newly eligible for Medicare on or after January 1, 2020. People who became eligible before that date may still buy or keep them if an insurer in Nevada offers them; the Medicare.gov Medigap policy search shows the plan letters each listed insurer sells in your ZIP code.
Does my Nevada Medigap policy include Part D drug coverage for 2027?
No. Medigap sold today does not include outpatient prescription drug coverage. To get drug coverage with Original Medicare and a Medigap policy, enroll in a standalone Part D plan during a valid enrollment period and compare options on the Medicare Plan Finder at Medicare.gov.
What if my Medicare Advantage plan in Nevada is one of the 21 not returning in 2027?
Federal rules give you a guaranteed-issue right to buy certain Medigap policies without medical underwriting, within Medicare's time limits. For the exact plan letters available to you and how to apply, visit Medicare.gov or call 1-800-MEDICARE.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov: the Medigap policy search results for ZIP code 89101, including the 19 insurers listed and the plan letters each offers.
  • CMS Landscape Source Files: the count of 21 Medicare Advantage plans offered in Nevada in 2026 that will not be offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): standardized plan letters, the six-month Medigap Open Enrollment Period, and guaranteed-issue rights.
  • CMS — Medicare enrollment periods (medicare.gov): the Annual Enrollment Period dates of October 15 – December 7, 2026 and the January 1, 2027 effective date.
  • CMS: the 2027 Part D parameters, including the $2,400 out-of-pocket cap, the $700 maximum deductible, and the $41.33 base beneficiary premium.
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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