Medicare in Las Vegas

In Las Vegas, there are several Medicare options available to meet your healthcare needs. Understanding each option will help you choose the best plan for you. Here’s a breakdown of what you can choose from:

1. Original Medicare (Parts A & B)

With Original Medicare, you’ll have hospital (Part A) and medical (Part B) coverage. However, you’ll be responsible for out-of-pocket costs, such as co-pays, deductibles, and coinsurance. Many individuals choose to add a Medicare Supplement Plan (also known as Medigap) to help cover these additional expenses.

2. Medicare Advantage Plans (Part C)

If you’re looking for a more comprehensive plan, Medicare Advantage Plans might be a good option. These private plans include both Part A and Part B, and often offer extra benefits such as prescription drug coverage, vision, dental, and hearing. 

3. Medicare Supplement Plans (Medigap)

If you want to fill the gaps left by Original Medicare, consider a Medicare Supplement Plan. These plans help pay for costs like co-pays, coinsurance, and deductibles. It’s important to note that Medigap plans do not include prescription drug coverage, so you may want to consider adding a Part D plan.

4. Prescription Drug Plans (Part D)

While Original Medicare doesn’t cover prescription drugs, you can add a Part D plan for coverage. This can either be a standalone Part D plan or included in a Medicare Advantage plan.

Important Medicare Enrollment Periods in Las Vegas

Timing is everything when it comes to Medicare enrollment. Missing a deadline could result in late enrollment penalties or gaps in coverage. Here are the key Medicare enrollment periods you need to know:

1. Initial Enrollment Period (IEP)

The Initial Enrollment Period is your first chance to enroll in Medicare. It lasts for seven months: three months before you turn 65, the month you turn 65, and three months after your birthday month. It’s crucial to enroll during this time to avoid penalties.

2. General Enrollment Period (GEP)

If you miss your Initial Enrollment Period, you can sign up during the General Enrollment Period (January 1 – March 31). Keep in mind that coverage will begin on July 1, and you may face penalties for late enrollment.

3. Special Enrollment Period (SEP)

If you’re still working and have employer coverage, you can qualify for a Special Enrollment Period (SEP) to enroll in Medicare without facing penalties. This period begins when your employer coverage ends or when you move out of your plan’s service area.

4. Annual Enrollment Period (AEP)

Each year, the Annual Enrollment Period (October 15 – December 7) allows you to make changes to your Medicare plan. You can switch from Original Medicare to a Medicare Advantage Plan, or vice versa, and add or change your Part D prescription drug plan.

5. Medicare Advantage Open Enrollment Period (OEP)

If you're already enrolled in a Medicare Advantage Plan, the Medicare Advantage Open Enrollment Period (January 1 – March 31) allows you to switch between Medicare Advantage plans or return to Original Medicare.