Best Medicare Supplement Plans in Nevada 2026
Nevada has over 420,000+ Medigap enrollees. Plan G starts at $160/mo in Las Vegas and averages $212/mo statewide. We compared 30+ carriers to find the best coverage in the Silver State.
Nevada Has No Birthday Rule: Your Initial Plan Choice Matters
Unlike California, Oregon, and other states with birthday rules, Nevada does not give you an annual window to switch Medigap carriers without underwriting. Once your 6-month Open Enrollment Period ends, you will face health questions if you try to change plans. Nevada also has a large Medicare Advantage market in Las Vegas and Reno. If you enroll in MA and later want to switch to Medigap, you will generally need to pass medical underwriting unless you qualify for a guaranteed issue right.
More than 420,000 Nevadans have Medicare Supplement Insurance, also called Medigap. Nevada follows standard federal Medigap rules, offering plans A through N with no state-specific modifications. Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026).
Nevada has a large Medicare Advantage market, especially in Las Vegas and Reno. Many seniors in Nevada initially choose MA plans for their lower premiums, but later discover the network restrictions and unpredictable out-of-pocket costs. Switching from MA to Medigap after your first year requires passing medical underwriting unless you qualify for a guaranteed issue right.
Plan G premiums in Las Vegas range from $160/mo (LifeShield National or USAA) to $224/mo (AARP/UHC) for a 65-year-old. LifeShield National is the clear price leader for the general public at $52/mo below the state average. For the highest financial strength rating (A++) with local agents across Las Vegas, Henderson, and Reno, State Farm at $180/mo is the top choice.
Best Medicare Supplement Companies in Nevada
Ranked by MedicareFAQ Score, which weighs financial strength, customer satisfaction, premium competitiveness, plan availability, and discounts.
LifeShield National
Plan G
$160/mo
Plan N
$117/mo
AM Best
A-
LifeShield National offers the lowest Plan F, Plan G, and Plan N rates in Nevada for 2026. Plan G at $160/mo is $52/mo below the state average, and Plan N at $117/mo is $125/mo below average. For Nevada seniors focused on minimizing monthly premiums, LifeShield National is the clear value leader.
USAA
Plan G
$160/mo
Plan N
$N/A/mo
AM Best
A++
USAA ties for the lowest Plan G in Nevada at $160/mo and holds an A++ AM Best rating, the highest possible. USAA also offers the lowest Plan A in Nevada at $122/mo. Available only to military members, veterans, and their eligible family members.
State Farm
Plan G
$180/mo
Plan N
$N/A/mo
AM Best
A++
State Farm holds the highest possible AM Best rating (A++) and offers local agents across Las Vegas, Henderson, Reno, and Henderson. They also offer the lowest Plans C ($231/mo) and D ($180/mo) in Nevada. For Nevada seniors who want the highest financial strength and face-to-face service, State Farm is the top choice.
Transamerica
Plan G
$196/mo
Plan N
$N/A/mo
AM Best
A
Transamerica is the only Nevada carrier offering all 10 standard Medigap plan types with issue-age pricing. They offer the lowest Plans K ($90/mo) and L ($133/mo) in Nevada. Issue-age pricing locks your rate at enrollment, which can save money over a 10 to 20 year horizon.
Aetna
Plan G
$214/mo
Plan N
$N/A/mo
AM Best
A
Aetna offers the lowest Plan B rates in Nevada at $222/mo and strong financial stability. For Nevada seniors who want Plan B coverage, Aetna is the best value in the state.
Medicare Supplement Prices in Nevada
Sample monthly premiums from top carriers in Las Vegas for a 65-year-old female nonsmoker. Rates may include available household discounts. Nevada uses attained-age rating for most carriers, so premiums will increase as you age.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| LifeShield National | $160 | $117 | $192 |
| USAA* | $160 | N/A | N/A |
| State Farm | $180 | N/A | N/A |
| Transamerica | $196 | N/A | N/A |
| Aetna | $214 | N/A | N/A |
| Mutual of Omaha | $218 | $158 | $252 |
| AARP / UnitedHealthcare | $224 | $172 | $259 |
*USAA is only available to military members, veterans, and eligible family members. Lowest Plan G for the general public: $160/mo (LifeShield National). Source: Nevada Division of Insurance, FairSquare Medicare, MoneyGeek, May 2026.
Plan G vs. Plan N in Nevada
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Nevada. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Las Vegas) | $160-$196 | $117-$172 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission. Nevada allows excess charges, so Plan N enrollees should confirm their doctors accept Medicare assignment.
Nevada has a large Medicare Advantage market, but Medigap gives you something MA cannot: the freedom to see any Medicare-accepting provider in the country with no network restrictions. If you are healthy and want the lowest premium, LifeShield National Plan N at $117/mo is the best value in Nevada. If you want the highest financial strength with local agents in Las Vegas, Henderson, and Reno, State Farm at $180/mo with an A++ rating is the top pick. Military members should check USAA first at $160/mo with an A++ rating. Nevada has no birthday rule, so your initial enrollment decision is the most important one you will make.
Nevada Medigap Rules You Should Know
No Birthday Rule or Anniversary Rule in Nevada
Nevada does not have a birthday rule or anniversary rule. Your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B is your best opportunity to get Medigap coverage without medical underwriting. After that window, carriers can deny coverage or charge higher rates based on your health history.
Standard 6-Month Open Enrollment Period
Federal law gives you a 6-month Open Enrollment Period starting the month you turn 65 and enroll in Medicare Part B. During this window, no carrier can deny you coverage or charge higher premiums due to pre-existing conditions.
Large Medicare Advantage Market
Nevada, particularly Las Vegas and Reno, has a large Medicare Advantage market. However, Medigap plans offer broader provider access and no network restrictions, which can be important for seniors who travel or want to see any Medicare-accepting provider.
Excess Charges Apply
Nevada allows Medicare excess charges. Plan G covers these charges; Plan N does not. If your doctors do not accept Medicare assignment, Plan G provides more complete protection.
Under-65 Coverage Not Required
Nevada does not require Medigap carriers to offer coverage to Medicare beneficiaries under age 65 on disability. Some carriers offer coverage voluntarily, but availability and pricing vary.
Free MAP Counseling
Nevada MAP (Medicare Assistance Program) provides free, unbiased counseling through SHIP. Southern Nevada: (702) 616-4926. Statewide: (800) 307-4444.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Nevada market average
Plan Availability
Number of plan types offered in Nevada
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, Nevada Division of Insurance, FairSquare Medicare
Frequently Asked Questions
Find the Best Medigap Rate in Your Nevada ZIP Code
Nevada has no birthday rule, so your Open Enrollment Period is your best chance to lock in coverage without health questions. Plan G starts at $160/mo in Las Vegas. Compare all available carriers in your area before enrolling.