Nevada Senior Health Insurance
Explore Your Options
More and more retirees are choosing Nevada as their retirement destination and why wouldn’t they! With affordable homes, lower tax rates and beautiful scenery it’s no wonder why it’s a prime spot to settle down. So, if you were born a Nevadan or moved there for retirement it’s important to know the state’s Senior Health Insurance options. With a growing population of retirees Nevada offers these different options; Medicare Supplement Plans, Prescription Drug Plans and Medicare Advantage Plans. My Senior Health Plan is here to help you understand your options and feel confident about your Senior Health Insurance decision.
Medicare Supplement Plans are state specific and can range from Plans A-G with varying benefits. They allow you to use your Plan’s benefits state to state as long as you see a provider that accepts Medicare. If you like to travel out of state this may be something that you want to consider. For more information on Medicare Supplement Plans please contact MySeniorHealthPlan.com.
Because Medicare Supplement Plans (or Medigap plans) do not include Prescription Drug coverage they are often paired with a Prescription Drug Plan. Prescription Drug Plans are stand-alone plans that offer different levels of coverage depending on the prescriptions you are taking. Not taking any prescriptions? Most people still sign up for a PDP to avoid the government-imposed penalty for not having drug coverage or to make sure they are covered should they need to take prescriptions in the future. If you need Extra Help paying for your prescriptions, please visit http://www.socialsecurity.gov/medicare/prescriptionhelp/. To learn more about the penalty please call MySeniorHealthPlan.com or visit http://www.medicare.gov/part-d/costs/penalty/part-d-late-enrollment-penalty.html.
Similar to other states, Medicare Advantage Plans are offered based on county. There are options of HMO or PPO plans, however not all counties in Nevada have a Medicare Advantage Plan available. To see if you have one available to you, speak to a Senior Health Insurance Specialist at MySeniorHealthPlan.com today. They can walk you through the plan benefits and help you determine whether a network based, or non-network based MAPD would be best for you. Because these plans vary so much by carrier and coverage, it’s important you speak to a Senior Health Insurance Specialist who is well versed in these plans as they are very specific to your needs.
Medicare benefits are available to those who are 65 and older or who have been disabled for 2 years even if they receive Indian Health Services as well. The relationship between the Federal Government and Native American tribes constitutes various rules to follow. However, CMS has made Medicare & Medicaid healthcare services accessible to all Native Americans who are eligible. For more information visit http://www.cms.gov/Outreach-and-Education/American-Indian-Alaska-Native/AIAN/
Senior Resources:
Indian Health Services – http://www.ihs.gov
Medicare – www.Medicare.gov
Nevada Aging and Disability Services Division – www.adsd.nv.gov
Nevada Department of Humana Services – www.nv.gov
