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MEDICARE SUPPLEMENT
INSURANCE
PREMIUM COMPARISON GUIDE
State of Nevada
Department of Business & Industry
Division of Insurance
2021
Barbara D. Richardson, Commissioner of Insurance
Steve Sisolak, Governor Terry Reynolds, Director
Table of Contents 2021 Medicare Supplement Guide
TABLE OF CONTENTS
Letter from the Commissioner…………..………………………..4-5
Introduction……………………………………………………….6-7
10 Medicare Supplement Plans…………………………………..10-13
Medicare Supplement Insurance Shopping Tips………………....14-23
Cost Comparison and Guide to Premium Chart……………….....24-28
2021 Policy Benefit Chart………………………………………...29-30
Medicare Options …………………………………………………47-56
The Basics of Medicare Supplement Insurance..………………...8-9
Who Sells Medigap in Nevada?......................................................31
2021 Annual Premium Comparisons.………...………………......32-46
Medicare PPO Plans…………………………………………….....57
High Deductible Plans..……………………………………………58
Nevada State Health Insurance Assistance Program (SHIP)………61-67
Policy Checklist…………………………………………………….70
Definitions…………………………………………………………71-80
Guaranteed Issue…………………………………………………...59-60
Other Resources…………………………………………………....68
How to File an Inquiry or Complaint...………………………….....69
Page 2
Table of Contents 2021 Medicare Supplement Guide
To be used with the Guide to Health Insurance for People with
Medicare as developed by the National Association of Insurance
Commissioners (NAIC) and the Centers for Medicare & Medicaid
Services of the U.S. Department of Health and Human Services
(CMS) (see page 15 for a link to the guide).
Page 3
Letter from the Commissioner 2021 Medicare Supplement Guide
LETTER FROM THE COMMISSIONER
Dear Fellow Nevadan:
The decision of whether or not to purchase Medicare supplement
insurance, and which kind of insurance to buy, are important ones.
However, shopping for this insurance requires time and effort and can be
confusing. That is why we are pleased to provide you with Nevada’s
2021 Medicare Supplement Insurance Premium Comparison Guide.
This guide provides valuable information that will assist you in
comparing many of the Medicare supplement policies, Medicare
Advantage, and Medicare drug plans currently being offered in Nevada.
You may also wish to seek the advice of a licensed agent, broker,
producer or consultant to assist you in selecting appropriate Medicare
supplement insurance coverage. Further information is available
through the Nevada Department of Health and Human Services,
Division for Aging Services, which administers the Nevada State Health
Insurance Assistance Program (SHIP). Their program director and
volunteer counselors are available to provide you with individual
counseling concerning your questions on Medicare or Medicare
supplement products.
Page 4
Letter from the Commissioner 2021 Medicare Supplement Guide
Your insurance concerns are very important to us at the Division of
Insurance. We are here to assist you with any insurance questions or
problems you may have.
Our offices in Northern Nevada are located in Carson City. For
information, please call our consumer services section at (775) 687-
0700. In Southern Nevada, our offices are located in Las Vegas, and
you may reach a consumer services officer at (702) 486-4009. The toll-
free number for use in Nevada is 1-888-872-3234. The Nevada SHIP
advisers may be reached at (702) 486-3478 in Las Vegas or toll free in
Southern Nevada at 1-800-307-4444 or 1-844-826-2085 in Northern
Nevada.
Sincerely,
Barbara D. Richardson
Commissioner of Insurance
Page 5
Introduction 2021 Medicare Supplement Guide
Introduction
Throughout this guide you will find information regarding the
following items:
The basics of Medicare supplement insurance;
Information on all the 10 versions of Medicare supplement
plans, A through N;
Important information on changes for January 1, 2021.
Tips for purchasing a plan;
Various carriers providing Medicare supplement insurance;
Premiums for each plan;
Medicare Options, Medicare PPOs, High deductible plans,
and the Medicare SHIP Program; and
Common definitions related to Medicare supplement.
Each year, the Nevada Division of Insurance (DOI) provides a
voluntary survey to the companies who provide Medicare supplement
coverage in Nevada to collect information on the policy premiums for
the New Year. The results of this survey are summarized in the section
titled 2021 Annual Premium Comparisons (pages 32 - 46). The
comparisons shown in the Guide will give you a start in shopping for
Medicare supplement coverage by offering a comparison of premium
costs on policies.
Page 6
Introduction 2021 Medicare Supplement Guide
This Comparison Guide is to help you understand the options
available for Medicare supplement insurance. This guide will not cover
information on Medicare itself. If you are seeking more information on
Medicare, the Centers for Medicare and Medicaid Services publishes a
guide titled, Medicare and You
. This guide summarizes Medicare
benefits, rights and obligations, and provides answers to the most
frequently asked questions regarding Medicare. A digital version of
Medicare and You can be downloaded at:
https://q1medicare.com/PartD-
MedicareAndYouCMSGuideToMedicare.php.
If a paper version of this guide
is preferable, printed copies may be found at the Nevada State Health
Insurance Assistance Program (SHIP) or your local Social Security
office. Please see pages 61 through 67 of this Guide for contact
information.
Page 7
The Basics of Medicare Supplement Insurance 2021 Medicare Supplement Guide
The Basics of Medicare Supplement Insurance
Recent Medicare Enrollment
According to the Centers for Medicare and Medicaid Services, 546,598
Nevadans (20.24% of the population), were eligible to receive benefits
through the federal Medicare program in 2020
1
. Of these, 220,703 individuals
received their benefits through Medicare Advantage and other Health Plans.
Medicare Supplement enrollment for 2019 was 99,256 Nevadans, as reported
by the Medicare Compare USA
2
.
This shows that many Nevadans enrolled in Medicare may not be
receiving the full amount of coverage they need to keep medical costs down.
This guide will provide you with the tools to understand Medicare supplement
and decide whether or not it is beneficial in covering your medical costs in
2021.
Medicare Supplement Fills the Gaps
Medicare supplement insurance, also known as a “Medigap policy”, is a
distinct type of insurance policy which is sold by private companies to “fill
the gaps” in original Medicare plan coverage. While Medicare supplement
policies cover many of the medical expenses Medicare does not cover (such as
additional hospitalization expenses, blood drawing expenses, and additional
1
https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/Dashboard/Medicare-
Enrollment/Enrollment%20Dashboard.html
2
https://medicarecompareusa.com/providers/medicare-supplement-enrollment-by-state/.
Page 8
The Basics of Medicare Supplement Insurance 2021 Medicare Supplement Guide
Medical expenses), Medicare supplement policies purchased after 2006
cannot include coverage for prescription drugs. Prescription drug coverage
can be provided through Medicare Part D insurance (see pages 52 - 53).
Medicare supplement policies are guaranteed renewable if they are
purchased after 1990. Unless you are not truthful about information on your
application, cease to pay your monthly premium, or the company goes
bankrupt, your insurance company cannot drop you from the policy you
choose to purchase.
Medicare Supplement Eligibility
In order to be eligible for Medicare supplement, you must be enrolled in
Medicare Part A and Part B. If you are currently in your Medigap open
enrollment, you are guaranteed the right to buy a Medicare supplement policy.
You may not be eligible for Medigap if you: are already enrolled in a Medigap
policy, have Medicaid, are enrolled in a Medicare Advantage Plan, or are
under the age of 65.
Why Should You Buy Medicare Supplement Insurance?
Medicare supplement insurance is necessary because Medicare does not
pay for every medical expense. A Medigap policy will cover the medical
expenses which Medicare does not pay such as the Medicare Part B yearly
deductible, Medicare Part B covered services, blood, hospital stays, and
skilled nursing facilities.
Page 9
10 Medicare Supplement Plans 2021 Medicare Supplement Guide
10 Medicare Supplement Plans:
A Through N
Important! Starting January 1, 2020, Medicare supplement plans
sold to newly eligible individuals with Medicare won’t be allowed
to cover the Part B deductible. Because of this, Plans C and F will no
longer be available to people new to Medicare starting on January 1,
2020. If you already have either of these 2 plans (or the high
deductible version of Plan F) or are covered by one of these plans
before January 1, 2020, you’ll be able to keep your plan. If you were
eligible for Medicare before January 1, 2020, but not yet enrolled,
you may be able to buy one of these plans. High Deductible Plan G is
also available as of January 1, 2020!
You can choose from 10 different Medicare supplement policies. Each plan,
A, B, C, D, F, G, K, L, M and N, has different benefits and premiums. Each
lettered plan is required to have certain benefits, no matter which company you
choose to purchase from; however, some plans provide extra benefits.
An insurer may or may not offer all plans. The plans are described on
the chart on pages 29 - 30, which show the minimum benefits in each plan –
this chart will also be included in every company’s sales material. In addition
to the 10 plans, insurers may offer one high deductible version of Plan F and
Page 10
10 Medicare Supplement Plans 2021 Medicare Supplement Guide
Plan G (starting on January 1, 2020). This plan includes the same coverage as
Plan F, except you will be responsible for the first $2,340 (2020) of medical
expenses each year (adjusted annually) and the premium is significantly less
than the premium for regular plans A through N.
*See chart on pages 29-30 for list of basic benefits.
Each plan, A through N, varies with the established benefits offered. Plans K
and L cover 50% and 75%, respectively, of the co-insurance for basic
benefits*, skilled nursing and the Part A deductible. Once you reach the
annual out-of-pocket limit, K and L pay 100% of the Medicare co-payments,
co-insurance, and deductibles for the rest of the calendar year. The out-of-
pocket annual limit does not include charges from your provider that exceed
Medicare-approved amounts, called “excess charges.” You are responsible for
paying excess charges for all of the Medicare supplement plans unless you
have Medicare supplement policies F, G, high deductible Plan F or high
deductible Plan G, which cover 100% of the Medicare Part B excess charges.
Medicare Parts A, B, C, and D
Medicare Part A typically pays for your inpatient hospital expenses,
hospice services, home health care, and care in a skilled nursing facility.
Tip: a benefit is a health care service or supply that is paid for in part
or in full by Medicare.
Page 11
10 Medicare Supplement Plans 2021 Medicare Supplement Guide
Medicare Part B typically covers your outpatient health care expenses
including doctor fees.
Tip: You may have to use certain Medicare-contracted suppliers to get
certain durable medical equipment in some geographic areas. Call 1-
800-MEDICARE (1-800-633-4227) for more information. TTY users
should call 1 (877) 486-2048.
Medicare Part C (Medicare Advantage plans) must cover at least the same
benefits covered under Medicare Part A and Part B; however, your costs may
be different, and you may have extra benefits, such as coverage for
prescription drugs or extra days in the hospital. If you are already enrolled in
Medicare Part C, contact your Medicare Advantage plan administrator for
specific plan information.
Tip: Not all doctors accept Medicare Advantage plans, so be sure to
check first!
Under Medicare Part D, all enrollees receive a subsidy for prescription
drug insurance – an additional low-income subsidy (LIS) is available to
enrollees with sufficiently low income and assets. There are two types of
Medicare plans that may help lower prescription drug costs and help to
protect against higher costs in the future: Medicare Advantage plans (see
Part C) and other Medicare health plans, and Medicare Part D. Medicare Part
D is prescription drug coverage that provides additional coverage to the
original Medicare plan, some Medicare cost plans, and Medicare private fee-
for-service plans. These plans are offered by insurance companies and other
Page 12
10 Medicare Supplement Plans 2021 Medicare Supplement Guide
private companies approved by Medicare.
review each carefully. You choose the drug plan and pay a monthly
premium. If you decide not to enroll in a drug plan when you are first
eligible, you may pay a penalty if you choose to join later.
Page 13
Medicare Supplement Insurance Shopping Tips 2021 Medicare Supplement Guide
Medicare Supplement Insurance Shopping Tips
You May Not Need Medicare Supplement Insurance
If your income is low, you may qualify for a government program that
will fill the gaps in your Medicare coverage. To find out if you are eligible
for Medicaid or if you are a Qualified Medicare Beneficiary (QMB),
Specified Low-Income Medicare Beneficiary (SLMB) or a Qualified
Individual (QI) contact the State Department of Health and Human Services,
Division of Welfare and Supportive Services (DWSS) in Reno at (775) 684-
7200, (702) 486-1646 in Las Vegas/Henderson, or toll free: (800) 992-0900.
For a complete list of local phone numbers you may visit https://dwss.nv.gov/
.
Right to Coverage
The best time to buy a Medigap policy is during your Medigap open
enrollment period. This period lasts for 6 months and begins on the first day of
the month in which you are 65 or older and enrolled in Medicare Part B. If you
joined Medicare because of a disability before you turned 65, federal law now
requires that you be given another open enrollment opportunity when you turn 65.
Tip: If you apply for a policy after that six-month period, some companies
will reject your application if your health is not good.
Page 14
Medicare Supplement Insurance Shopping Tips 2021 Medicare Supplement Guide
Shop for Benefits, Service and Price
Check the chart of the 10 plans on pages 29 - 30 to see the benefits that are
included in each plan. Every company must use the same letters (A through
N) to label its policies. Plan A will always be a company’s lowest-priced
Medicare supplement policy. It covers valuable basic benefits and must be
sold by every company. Plans B through N add other benefits to fill different
gaps in your Medicare coverage.
Use the Medicare Guide
The Choosing a Medigap Policy: A Guide to Health Insurance for People with
Medicare (“Guide”), written by the federal government and the National
Association of Insurance Commissioners (NAIC), has excellent information
about Medicare, as well as health insurance. Any agent or company that offers to
sell you Medicare supplement insurance must give you a copy. Upon request, a
copy of the Guide is also available from the Division of Insurance, the Division
for Aging Services or the State Health Insurance Assistance Program (“SHIP”).
Tip: Download a copy of Choosing a Medigap Policy: A Guide to Health
Insurance for People with Medicare at:
https://www.medicare.gov/Pubs/pdf/02110-Medicare-Medigap-guide.pdf
Read the Outline of Coverage
The outline of coverage is useful to understand the policy in general
terms – the outline of coverage for Medicare supplement insurance includes
more details about each of the benefits listed in the plan’s policy.
Page 15
Medicare Supplement Insurance Shopping Tips 2021 Medicare Supplement Guide
Evaluate Your New or Existing Policy
In order to understand the details of your coverage, you must read the
policy. When reviewing the policy, spend extra time studying the provisions
about pre-existing conditions. Don’t change policies just to solely get a lower
price. Premiums can change, and a new policy may not remain less expensive
than the old one. Ask yourself, “Would a new policy really improve my health
coverage?” Perhaps your old policy can be updated to provide the additional
coverage you want.
Tip: Premiums paid in advance are sometimes non-refundable. For
example, if you paid for a one-year policy period and decide to cancel in
the middle of the policy term, the premium may be earned by the
company when paid by you and there may be no provision for a refund of
premium at any time during that policy period.
Page 16
Medicare Supplement Insurance Shopping Tips 2021 Medicare Supplement Guide
Purchasing a Plan
Conduct Research on Medicare Supplement Plans
1. Contact the Insurance Division at 775-687-0700 to confirm that the
company is licensed (https://di.nv.gov/ins/f?p=licensing:search).
2. Ask how an insurance company prices Medigap policies. The manner in
which they set the price affects how much you pay now and in the future.
Tip: A good question to ask is if there are factors other than age that
may affect the cost of your Medigap policy. Policies may have
discounts based on your sex, whether you smoke, whether you are
married and/or if you have automatic bank withdrawal.
3. Before you shop for plans, make sure you will benefit from Medicare
supplement insurance before you buy.
4. Find out if you are eligible for group coverage. Group coverage is
marketed through employers, labor unions and various private associations.
If you have group insurance, ask before retirement if you can continue your
employee health insurance or convert it to suitable group Medicare
supplement coverage after you turn 65. Group insurance often costs less
and is more comprehensive than individually purchased coverage. Also, if
your spouse is included in your group health plan, be sure to check on his
or her eligibility.
5. Ask the reference section of your local public library for financial rating
publications that summarize an insurance company’s financial position.
Page 17
Medicare Supplement Insurance Shopping Tips 2021 Medicare Supplement Guide
Some publications rate companies by letter grades, which can be
informative. Four organizations are commonly relied upon to rate
insurance companies: A.M. Best, Standard & Poor's (S&P), Moody's
Investor Service, and Fitch Ratings. The role of these agencies is to assess
the debt and financial strength of companies by providing a neutral
analysis. In rating debt and financial strength, these agencies assist in
judging an insurer's ability to meet their claims paying obligations. If an
insurance company cannot pay future claims or benefits, all other
considerations, such as coverage and pricing, become relatively
unimportant.
Tip: Consider factors other than price when selecting a policy,
including claims handling and a company’s reputation for service.
Pick your Plan
1. When you find a plan you like, compare before you buy. Shop around and
talk to several agents and companies before making a decision. When
shopping for a Medigap policy, be sure you are comparing the same policy.
Do not be embarrassed to ask questions. Do not buy a policy until you are
satisfied with the answers you receive.
2. Carefully read the plan’s membership materials and enrollment forms to
learn your rights and the nature and extent of your coverage. Remember,
Medicare Advantage plans will likely require extra out-of-pocket expenses
from non-network providers.
Page 18
Medicare Supplement Insurance Shopping Tips 2021 Medicare Supplement Guide
3. Get a copy of the policy.
4. Discuss the policy with a relative, friend or someone else whom you trust
before buying. When buying by mail, check whether the company has a
local agent or a toll-free number that you can call for answers to your
questions and for help filing claims. Ask friends and family members
about their experience with various companies.
5. Take full advantage of your “free look” period by carefully reviewing
your new policy. You have 30 days from the date you receive the policy
to return and cancel it for a full refund. Read the policy when it arrives;
don’t wait until the last minute. The Division of Insurance Consumer
Services section can help you understand what your policy covers. You
can reach the Consumer Services section by calling (775) 687-0700 to
reach the Carson City office, (702) 486-4009 to reach the Las Vegas office,
and (888) 872-3234 to reach the Division of Insurance toll-free. Also,
some senior citizen organizations have volunteer insurance advisors. See
pages 61 through 64 for information regarding senior resources and
Nevada’s State Health Insurance Program (SHIP).
Avoiding Fraud
• Buying locally from a licensed agent with a good reputation is safer than
buying from someone you do not know. A traveling agent may never
return to your area.
Page 19
Medicare Supplement Insurance Shopping Tips 2021 Medicare Supplement Guide
• Be careful to answer all questions accurately. Don’t let the agent fill out
the application for you. If an agent helps you to complete the application,
do not sign it until you are sure that all questions have been completely
answered and all requested medical information is included and correct.
Tip: The omission of information may cause the company to deny
your claims or cancel your policy.
• Do not pay cash or make a check out to the agent or in the agent’s
name. Get a receipt for all payments. Checks should be made payable
only to the insurance company.
• Don’t be misled into believing that a Medicare supplement policy is
endorsed by or sold by the state or federal government. Although the
Division of Insurance reviews Medicare supplement policy forms to make
sure they meet Nevada requirements, the Division does not endorse
particular companies or policies.
• Don’t be pressured to buy insurance on the agent’s first visit. If you can,
invite a trusted friend or relative to be present during the agent’s visit. An
agent who objects to this may not be the right agent for you.
Tip: It is a violation of federal and state law for insurance
companies or agents to suggest they are acting on behalf of the
government when selling Medicare supplement insurance.
Page 20
Medicare Supplement Insurance Shopping Tips 2021 Medicare Supplement Guide
• Don’t be stampeded by statements that a certain policy or premium rate
will be available only for a limited time. Such statements are seldom true.
Completing the Application
• Never sign a blank application form.
• All applicable questions must be filled out accurately and completely.
Tip: An agent may assist you, but you should never let an agent fill
out the application for you. Always double check the
information for correctness before signing the application to
avoid fraud.
• Be sure you have the agent’s name and address and the address of the
company from which you are purchasing the policy. Know how to contact
your agent or the company if you need help. Always check the license
status of the agent and the insurance company with the Division of
Insurance.
Tip: You may also verify an insurance company on the Division’s
Web site at http://di.nv.gov/ins/f?p=licensing:search or by contacting
the Division at 1-888-872-3234.
• Read what you are being asked to sign. If the agent tries to rush you, be
suspicious.
Page 21
Medicare Supplement Insurance Shopping Tips 2021 Medicare Supplement Guide
Tip: If you are replacing policies, you should have full coverage for all
pre-existing conditions when you have been covered for six months under
the old policy, the new policy or both. This should be explained to you in
a Replacement Notice provided by the new insurance company or its
agent. If you return the policy to the company, be sure to send it by
certified mail with a return receipt requested. This will give you a record
of the date it was returned in case there is a dispute.
Special Information for Military Retirees
You or your spouse may be eligible for TRICARE For Life if either has
retired from the United States military service. The benefits covered by
TRICARE For Life supplement Medicare coverage and eliminate the need for
a Medicare supplement policy. In addition, TRICARE For Life benefits
include coverage for outpatient prescription drugs not covered by Medicare.
Unlike Medicare supplement policies, there is no enrollment fee to belong to
TRICARE For Life. If you believe that you are eligible for this program, you
can contact TRICARE For Life at https://tricare.mil/tfl, (866) 773-0404 or
TDD at (866) 773-0405.
Page 22
Medicare Supplement Insurance Shopping Tips 2021 Medicare Supplement Guide
More Information is Available
The Division of Insurance Consumer Services section is happy to
answer any additional questions you might have. If you have more questions
about Medicare supplement insurance, contact us at:
State of Nevada
Department of Business & Industry
Division of Insurance
Carson City Office (775) 687-0700; cscc@doi.nv.gov
Las Vegas Office (702) 486-4009
Refer to pages 63 - 66 of this guide for free counseling and other
resources.
Page 23
Cost Comparison and Guide to Premium Chart 2021 Medicare Supplement Guide
Cost Comparison and Guide to Premium Chart
This section of the booklet has a chart outlining the 10 standard plans, a
section which outlines who sells Medigap in Nevada and offers a comparison of
premiums by insurance company and plan type. Premiums are listed by premium
from lowest to highest for age 65 rates.
NOTICE:
The policy comparison section summarizes material
submitted by the insurers. The figures are theirs, not those of the
Division of Insurance. Some information may not be current at
the time you read this publication. The policy itself becomes the
contract between the insurance company and you; and will be the
basis of final determinations. Only policies that meet the
requirements of Nevada laws and regulations at time of
publication are included.
Publication of this comparison is for informational purposes
only. Inclusion of information about a policy in this brochure does
not in any way constitute endorsement of a policy or company by
the Division of Insurance.
Page 24
Cost Comparison and Guide to Premium Chart 2021 Medicare Supplement Guide
GUIDE TO THE PREMIUM COMPARISON CHART
Annual Premiums
The premiums shown are only a sampling of January 2021 annual rates. For
consistency among the carriers, they were asked to provide the premiums for 65 and
70 year old female, non-smokers, in downtown Las Vegas (zip 89102), Clark
County, Southern Nevada. Rates specific to whether or not you smoke, your age,
and your gender can be obtained from the insurance company. Keep in mind, the
rate may change as companies file new rates with the Division of Insurance. While
rates may change because of increased age and/or an insurance company’s
increased claims for all similar policyholders, your premiums cannot increase based
on your individual claims.
Tip: Some companies expect you to pay annually, while others bill
every month, and some bill every two to three months.
Age Groups
Premiums for Medicare supplement insurance will be based on your age when
you purchase the policy. Although companies may have different premiums for
each age, this comparison shows premiums only for ages 65 and 70.
Page 25
Cost Comparison and Guide to Premium Chart 2021 Medicare Supplement Guide
Premium Type
Companies have two different methods of pricing policies which are both
based upon your age. These are shown in the Premium Type column, in the 2021
Annual Premiums chart.
• Issue Age: These policies are priced at your age when you initially purchase
the policy. Your future rates will not increase because of age as you become
older. If you buy the policy at age 65 you will always pay the premium that
the company charges 65-year-old customers; however, your premiums can
increase because of an insurance company’s overall claims experience. While
the initial rate for an Issue Age policy may be greater than a similar Attained
Age policy, it could be less expensive over the life of the policy.
• Attained Age: In addition to the annual rate increases for changes in
Medicare and overall claims experience, the premium will increase as you
become older. If you buy a policy at 65, when you are 70 you will pay
whatever the company is currently charging individuals who are 70 years old.
• Community Age Rating: The premium is the same for all customers who
buy this policy, regardless of age.
Tip: Premiums will most likely increase every year in order to keep up
with changes in Medicare. Premiums may also increase if overall claim
expenses are higher than anticipated.
Area
Some companies charge different premiums based on where you live.
Page 26
Cost Comparison and Guide to Premium Chart 2021 Medicare Supplement Guide
Smoker
Some companies may charge different premiums for non-smokers and
smokers. You should check with the company to find out if your premium would
be higher or lower.
Sex
In the 2021 Annual Premiums chart, premiums shown are for women.
Premiums for men are generally higher than those for women. You should check
with the company to find out if your premium would be higher or lower.
Health Screening / Underwriting
Although most companies underwrite*, some companies offer policies
regardless of any health problems you may now have. A company must sell you
any Medigap policy they sell, regardless of your health, at the price of a healthy
person if you apply during your Medigap open enrollment.
*See pages 71 – 80 for word definitions.
Page 27
Cost Comparison and Guide to Premium Chart 2021 Medicare Supplement Guide
Innovative Benefits
Each plan, A through N, no matter what company you buy from, is required to
have certain benefits; however, some plans provide extra benefits that are termed
innovative. Some examples of innovative benefits are: decreasing deductibles,
hearing and vision coverage, gym memberships, and preferred rates based on
underwriting. While the standard benefits are guaranteed to remain with the policy,
the innovative benefits may not be permanently a part of the policy. They may
instead only be provided at the company’s discretion. Please read the policy
carefully to see if the innovative benefits are guaranteed.
Tip: To find out which companies provide innovative benefits please visit our
website:
http://doi.nv.gov/Health_Insurance_Rates/Medicare_Supplement_Rates/
For specific information about the benefits, you may have to contact the
companies – contact information is also provided on the website for most
companies.
Page 28
2021 Policy Benefits Chart 2021 Medicare Supplement Guide
2021 POLICY BENEFIT CHART
Medicare supplement insurance can be sold in only 10 standard plans
and two high deductible plans. The chart on the next page shows the
benefits for each plan. Every company must make available Plan A.
Some plans may not be available in Nevada.
Basic Benefits:
• Hospitalization - Part A coinsurance plus coverage for 365
additional days after Medicare benefits end.
• Medical Expenses - Part B coinsurance (generally 20 % of
Medicare-approved expenses) or co-payments for hospital
outpatient services. Plans K, L and N require insured to pay a
portion of Part B co-insurance or co-payments.
• Blood - First three pints of blood each year.
• Hospice - Part A co-insurance.
Page 29
Benefit Chart of Medicare Supplement Plans Sold on or after January 1, 2021
This chart shows the benefits included in each of the standard Medicare supplement plans. Some plans may not be available. Only applicants first eligible for Medicare before 2020 may purchase Plans C, F and high
deductible F.
Benefits
Plans Available to All Applicants
A B D
G
1
K L M N
Medicare Part A coinsurance and
hospital coverage (up to an
additional 365 days after Medicare
benefits are used up)
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Medicare Part B coinsurance or
Copayment
✔ ✔ ✔ ✔
50% 75%
✔
✔ copays
apply
3
Blood (first three pints)
✔ ✔ ✔ ✔
50% 75%
✔ ✔
Part A hospice care coinsurance or
copayment
✔ ✔ ✔ ✔
50% 75%
✔ ✔
Skilled nursing facility coinsurance
✔ ✔
50% 75%
✔ ✔
Medicare Part A deductible
✔ ✔ ✔
50% 75% 50%
✔
Medicare Part B deductible
Medicare Part B excess charges
✔
Foreign travel emergency (up to
plan limits)
✔ ✔ ✔ ✔
Out-of-pocket limit in [2020]
2
[$5,880]
2
[$2,940]
2
Medicare first eligible before 2020 only
C
F
1
✔
✔
✔
✔
✔
✔
✔ ✔
✔ ✔
✔ ✔
✔ ✔
✔
✔ ✔
Note: A ✔means 100% of the benefit is paid.
1 Plans F and G also have a high deductible option which require first paying a plan deductible of [$2,340 in 2020] before the plan begins to pay. Once the plan deductible is met, the plan
pays 100% of covered services for the rest of the calendar year. High deductible plan G does not cover the Medicare Part B deductible. However, high deductible plans F and G
count your payment of the Medicare Part B deductible toward meeting the plan deductible.
2 Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.
3 Plan N pays 100% of the Part B coinsurance, except for a co-payment of up to $20 for some office visits and up to a $50.
Page 30
Who Sells Medigap in Nevada? 2021 Medicare Supplement Guide
Who Sells Medigap in Nevada?
Company Telephone Number Website
Americo Financial Life and Annuity Insurance
Company
1-800-220-7074 www.americo.com
Bankers Fidelity Life Insurance Company 1-866-458-7504 www.getaquote@bflic.com
Central States Health & Life Company of Omaha 1-866-877-9323 www.cso.com
Cigna Health and Life Insurance Company 1-855-891-9368 www.cigna.com/medicare/supplemental/
Colonial Penn Life Insurance Company 1-800-800-2254
www.bankerslife.com/products/medicare-supplement-
insurance/
Continental Life Insurance Company of
Brentwood, Tennessee
1-800-264-4000 www.aetnaseniorproducts.com
Garden State Life Insurance Company 1-888-290-1085 www.slaico.com
Globe Life and Accident Insurance Company 1-888-534-3257 www.globecaremedsupp.com
Great Southern Life Insurance Company 1-888-220-7074 www.americo.com
Guarantee Trust Life Insurance Company 1-800-338-7452 www.gtlic.com
Humana Insurance Company 1-888-310-8482 www.humana.com
Individual Assurance Company, Life, Health &
Accident
1-888-524-3629 www.iaclife.com
Lumico Life Insurance Company 1-855-744-4491 www.lumico.com
ManhattanLife Assurance Company of America 1-888-841-0770 www.manhattanlife.com
Medico Insurance Company 1-800-547-2401 www.gomedico.com
Nassau Life Insurance Company of Kansas contact local agent www.nsre.com
National Guardian Life Insurance Company 1-800-548-2962 www.nglic.com
National Health Insurance Company 1-866-916-8816 www.ngah-ngic.com
Pan-American Life Insurance Company 1-877-939-4550 www.palig.com
Philadelphia American Life Insurance Company 1-877-368-4691 www.neweralife.com
Physicians Life Insurance Company 1-800-325-6300 www.physicansmutual.com
Rocky Mountain Hospital and Medical Service,
Inc.
1-877-831-3000 www.anthem.com
State Farm Mutual Automobile Insurance
Company
contact local agent www.statefarm.com
Transamerica Life Insurance Company 1-800-797-2643
www.transamerica.com/individual/what-we-
offer/products/insurance/
United American Insurance Company 1-800-755-2137 www.unitedamerican.com
United Insurance Company of America 1-800-654-9106 www.kemper.com
United World Life Insurance Company 1-800-667-2937 www.mutualofomaha.com/states
UnitedHealthcare Insurance Company 1-866-465-0088 www.aarpmedicaresupplement.com
WMI Mutual Insurance Company 1-800-748-5340 www.wmimutual/Medigap
Please See Our Website For Rates by Age, Zip Codes, etc.
http://doi.nv.gov/Health_Insurance_Rates/Medicare_Supplement_Rates/
Page 31
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
2021 Annual Premium Comparisons
Legend:
Pre-X Months - if pre-existing conditions are considered - The months of wait the
policy holder will have before the condition (s) are covered.
Definitions of Premium Type:
Attained Age - The monthly
current age, and the rates will increase slowly over time.
Issue Age - The monthly premiums for these policies will be based on your age
when you first buy the policy.
Community - The monthly premiums for these policies will be based on
geographical factors, such as which zip code you live in or whether you use tobacco,
rather than just age alone.
*This company offers Medicare Supplement rates to people under the age of 65.
Please check out the rates for all ages and zip codes on Nevada Division of Insurance's
website, along with company contact information:
http://doi.nv.gov/Health_Insurance_Rates/Medicare_Supplement_Rates/
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 32
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan A Rates
Company Name Plan Type
Rate at
Age 65
Rate at
Age 70
Premium Type
Pre-X
Months
Americo Financial Life and Annuity
Insurance Company
Plan A
$2,150 $2,320 Attained Age 0
Bankers Fidelity Life Insurance Company Plan A
$2,388 $2,651 Attained Age 0
Central States Health & Life Co. of Omaha
Plan A
$1,591 $1,708 Attained Age 0
Cigna Health and Life Insurance Company
Plan A
$1,548 $1,663 Attained Age 6
Colonial Penn Life Insurance Company Plan A
$3,364 $4,111 Attained Age 0
Continental Life Insurance Company of
Brentwood, TN
Plan A
$1,317 $1,398 Attained Age 6
Garden State Life Insurance Company Plan A
$1,610 $1,757 Attained Age 6
Globe Life and Accident Insurance
Company
Plan A
$1,220 $1,626 Attained Age 2
Great Southern Life Insurance Company Plan A
$1,841 $1,947 Attained Age 0
Guarantee Trust Life Insurance Company Plan A
$2,261 $2,400 Attained Age 6
Humana Insurance Company Plan A
$2,100 $2,477 Attained Age 12
Individual Assurance Company, Life, Health
& Accident
Plan A
$2,350 $2,644 Attained Age 0
Lumico Life Insurance Company Plan A
$1,568 $1,713 Attained Age 0
ManhattanLife Assurance Company of
America
Plan A
$1,649 $1,804 Attained Age 0
Medico Insurance Company Plan A
$2,051 $2,315 Attained Age 6
Nassau Life Insurance Company of Kansas Plan A
$1,561 $1,672 Attained Age 6
National Guardian Life Insurance Company Plan A
$1,831 $1,926 Attained Age 0
National Health Insurance Company Plan A
$1,632
$1,792 Attained Age 0
Pan-American Life Insurance Company Plan A
$1,850 $1,986 Attained Age 0
Philadelphia American Life Insurance
Company
Plan A
$1,779 $1,894 Attained Age 6
Rocky Mountain Hospital and Medical
Service Inc.
Plan A
$1,709 $2,020 Attained Age 6
State Farm Mutual Automobile Insurance
Company
Plan A
$1,461 $1,826 Attained Age 6
Transamerica Life Insurance Company Plan A
$1,303 $1,638 Issue Age 6
United American Insurance Company Plan A
$1,614 $2,219 Attained Age 6
United Insurance Company of America Plan A
$1,571 $1,717 Attained Age 0
United World Life Insurance Company Plan A
$1,636 $1,772 Attained Age 0
UnitedHealthcare Insurance Company Plan A
$1,327 $1,457 Attained Age 3
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 33
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan B Rates
Company Name Plan Type
Rate at
Age 65
Rate at
Age 70
Premium Type
Pre-X
Months
Colonial Penn Life Insurance Company Plan B
$2,684
$3,267 Attained Age 0
Continental Life Insurance Company of
Brentwood, TN
Plan B
$1,508 $1,601 Attained Age 6
Globe Life and Accident Insurance
Company
Plan B
$1,799 $2,223 Attained Age 2
Humana Insurance Company Plan B
$2,283 $2,694 Attained Age 12
Transamerica Life Insurance Company Plan B
$1,720
$2,162 Issue Age 6
United American Insurance Company Plan B
$2,287 $3,176 Attained Age 6
UnitedHealthcare Insurance Company Plan B
$1,909 $2,096 Attained Age 3
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 34
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan C Rates
Company Name Plan Type
Rate at
Age 65
Rate at
Age 70
Premium Type
Pre-X
Months
Central States Health & Life Co. of Omaha Plan C $1,875 $1,907 Attained Age 0
Colonial Penn Life Insurance Company Plan C $2,041 $2,486 Attained Age 0
Globe Life and Accident Insurance
Company
Plan C $2,010 $2,433 Attained Age 2
Humana Insurance Company Plan C $2,702 $3,190 Attained Age 12
State Farm Mutual Automobile Insurance
Company
Plan C $2,144 $2,881 Attained Age 6
Transamerica Life Insurance Company Plan C $2,035 $2,559 Issue Age 6
United American Insurance Company Plan C $2,433 $3,368 Attained Age 6
UnitedHealthcare Insurance Company Plan C $2,194 $2,410 Attained Age 3
WMI Mutual Insurance Company Plan C $1,896 $2,196 Attained Age 6
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 35
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan D Rates
Company Name
Colonial Penn Life Insurance Company
Plan Type
Plan D
Rate at
Age 65
$1,711
Rate at
Age 70
$2,213
Premium Type
Attained Age
Pre-X
Months
0
Medico Insurance Company Plan D $3,067 $3,506 Attained Age 6
State Farm Mutual Automobile Insurance
Company
Plan D $1,579 $1,935 Attained Age 6
Transamerica Life Insurance Company Plan D $1,792 $2,253 Issue Age 6
United American Insurance Company Plan D $2,266 $3,214 Attained Age 6
United Insurance Company of America Plan D $1,623 $1,774 Attained Age 0
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 36
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan F Rates
Company Name
Americo Financial Life and Annuity
Insurance Company
Plan Type
Plan F
Rate at
Age 65
$2,565
Rate at
Age 70
$2,758
Premium Type
Attained Age
Pre-X
Months
0
Bankers Fidelity Life Insurance Company Plan F $3,038 $3,354 Attained Age 0
Central States Health & Life Co. of Omaha Plan F $1,893 $1,927 Attained Age 0
Cigna Health and Life Insurance Company Plan F $2,069 $2,154 Attained Age 6
Colonial Penn Life Insurance Company Plan F $3,362 $4,074 Attained Age 0
Continental Life Insurance Company of
Brentwood, TN
Plan F $1,682 $1,784 Attained Age 6
Garden State Life Insurance Company Plan F $2,998 $3,293 Attained Age 6
Globe Life and Accident Insurance
Company
Plan F $2,031 $2,456 Attained Age 2
Great Southern Life Insurance Company Plan F $2,063 $2,173 Attained Age 0
Guarantee Trust Life Insurance Company Plan F $2,867 $3,044 Attained Age 6
Humana Insurance Company Plan F $2,757 $3,255 Attained Age 12
Individual Assurance Company, Life, Health
& Accident
Plan F $2,772 $3,100 Attained Age 0
Lumico Life Insurance Company Plan F $2,050 $2,240 Attained Age 0
ManhattanLife Assurance Company of
America
Plan F $1,892 $2,056 Attained Age 0
Medico Insurance Company Plan F $3,841 $4,347 Attained Age 6
Nassau Life Insurance Company of Kansas Plan F $1,654 $1,792 Attained Age 6
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 37
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan F Rates
Company Name Plan Type
Rate at
Age 65
Rate at
Age 70
Premium Type
Pre-X
Months
National Guardian Life Insurance Company Plan F $2,147 $2,250 Attained Age 0
National Health Insurance Company Plan F $2,116 $2,320 Attained Age 0
Pan-American Life Insurance Company Plan F $2,224 $2,379 Attained Age 0
Philadelphia American Life Insurance
Company
Plan F $2,419 $2,513 Attained Age 6
Physicians Life Insurance Company Plan F $1,926 $2,078 Attained Age 0
Rocky Mountain Hospital and Medical
Service Inc.
Plan F $1,709 $2,020 Attained Age 6
State Farm Mutual Automobile Insurance
Company
Plan F $2,224 $2,780 Attained Age 6
Transamerica Life Insurance Company Plan F $2,047 $2,573 Issue Age 6
United American Insurance Company Plan F $2,141 $2,958 Attained Age 6
United Insurance Company of America Plan F $2,127 $2,324 Attained Age 0
United World Life Insurance Company Plan F $2,596 $2,813 Attained Age 0
UnitedHealthcare Insurance Company Plan F $2,207 $2,424 Attained Age 3
WMI Mutual Insurance Company Plan F $1,968 $2,280 Attained Age 6
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 38
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan F (High
Deductible)
Company Name Plan Type
Rate at
Age 65
Rate at
Age 70
Premium Type
Pre-X
Months
Bankers Fidelity Life Insurance Company
Plan F (High
Deductible)
$675 $753 Attained Age 0
Cigna Health and Life Insurance Company
Plan F (High
Deductible)
$528 $568 Attained Age 6
Colonial Penn Life Insurance Company
Plan F (High
Deductible)
$539 $653 Attained Age 0
Globe Life and Accident Insurance
Company
Plan F (High
Deductible)
$403 $585 Attained Age 2
Great Southern Life Insurance Company
Plan F (High
Deductible)
$572 $620 Attained Age 0
Humana Insurance Company
Plan F (High
Deductible)
$694 $816 Attained Age 12
National Health Insurance Company
Plan F (High
Deductible)
$656 $719 Attained Age 0
Philadelphia American Life Insurance
Company
Plan F (High
Deductible)
$640 $720 Attained Age 6
Physicians Life Insurance Company
Plan F (High
Deductible)
$611 $667 Attained Age 0
United American Insurance Company
Plan F (High
Deductible)
$355 $516 Attained Age 6
United World Life Insurance Company
Plan F (High
Deductible)
$701 $760 Attained Age 0
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 39
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan G Rates
Company Name
Americo Financial Life and Annuity
Insurance Company
Plan Type
Plan G
Rate at
Age 65
$1,979
Rate at
Age 70
$2,145
Premium Type
Attained Age
Pre-X
Months
0
Bankers Fidelity Life Insurance Company Plan G $2,946 $3,431 Attained Age 0
Central States Health & Life Co. of Omaha Plan G $1,537 $1,658 Attained Age 0
Cigna Health and Life Insurance Company Plan G $1,721 $1,805 Attained Age 6
Colonial Penn Life Insurance Company Plan G $2,588 $3,187 Attained Age 0
Continental Life Insurance Company of
Brentwood, TN
Plan G $1,464 $1,554 Attained Age 6
Garden State Life Insurance Company Plan G $1,855 $2,052 Attained Age 6
Globe Life and Accident Insurance
Company
Plan G $1,824 $2,249 Attained Age 2
Great Southern Life Insurance Company Plan G $1,803 $1,803 Attained Age 0
Guarantee Trust Life Insurance Company Plan G $2,305 $2,081 Attained Age 6
Humana Insurance Company Plan G $2,588 $3,054 Attained Age 12
Individual Assurance Company, Life, Health
& Accident
Plan G $2,038 $2,308 Attained Age 0
Lumico Life Insurance Company Plan G $1,600 $1,748 Attained Age 0
ManhattanLife Assurance Company of
America
Plan G $1,556 $1,666 Attained Age 0
Nassau Life Insurance Company of Kansas Plan G $1,577 $1,689 Attained Age 6
National Guardian Life Insurance Company Plan G $1,709 $1,807 Attained Age 0
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 40
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan G Rates
Company Name
National Health Insurance Company
Plan Type
Plan G
Rate at
Age 65
$1,685
Rate at
Age 70
$1,847
Premium Type
Attained Age
Pre-X
Months
0
Pan-American Life Insurance Company Plan G $1,746 $1,883 Attained Age 0
Philadelphia American Life Insurance
Company
Plan G $1,803 $1,966 Attained Age 6
Physicians Life Insurance Company Plan G $1,685 $1,818 Attained Age 0
Rocky Mountain Hospital and Medical
Service Inc.
Plan G $2,974 $3,488 Attained Age 6
State Farm Mutual Automobile Insurance
Company
Plan G $1,580 $1,939 Attained Age 6
Transamerica Life Insurance Company Plan G $1,791 $2,251 Issue Age 6
United American Insurance Company Plan G $1,997 $2,827 Attained Age 6
United Insurance Company of America Plan G $1,640 $1,792 Attained Age 0
United World Life Insurance Company Plan G $1,983 $2,148 Attained Age 0
UnitedHealthcare Insurance Company Plan G $1,726 $1,895 Attained Age 3
WMI Mutual Insurance Company Plan G $1,764 $2,052 Attained Age 6
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 41
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan G (High
Deductible)
Company Name
Colonial Penn Life Insurance Company
Plan Type
Plan G (High
Deductible)
Rate at
Age 65
$539
Rate at
Age 70
$653
Premium Type
Attained Age
Pre-X
Months
0
Continental Life Insurance Company of
Brentwood, TN
Plan G (High
Deductible)
$593 $629 Attained Age 6
Garden State Life Insurance Company
Plan G (High
Deductible)
$627 $688 Attained Age 6
Globe Life and Accident Insurance
Company
Plan G (High
Deductible)
$403 $585 Attained Age 2
Humana Insurance Company
Plan G (High
Deductible)
$677 $795 Attained Age 12
Physicians Life Insurance Company
Plan G (High
Deductible)
$610 $666 Attained Age 0
United American Insurance Company
Plan G (High
Deductible)
$355 $516 Attained Age 6
United Insurance Company of America
Plan G (High
Deductible)
$659 $720 Attained Age 0
United World Life Insurance Company
Plan G (High
Deductible)
$599 $651 Attained Age 0
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 42
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan K Rates
Company Name Plan Type
Rate at
Age 65
Rate at
Age 70
Premium Type
Pre-X
Months
Bankers Fidelity Life Insurance Company Plan K $1,371 $1,616 Attained Age 0
Colonial Penn Life Insurance Company Plan K $952 $1,161 Attained Age 0
Humana Insurance Company Plan K $1,241 $1,463 Attained Age 12
Transamerica Life Insurance Company Plan K $819 $1,029 Issue Age 6
United American Insurance Company Plan K $1,286 $1,712 Attained Age 6
UnitedHealthcare Insurance Company Plan K $679 $746 Attained Age 3
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 43
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan L Rates
Company Name Plan Type
Rate at
Age 65
Rate at
Age 70
Premium Type
Pre-X
Months
Colonial Penn Life Insurance Company Plan L $2,087 $2,501 Attained Age 0
Humana Insurance Company Plan L $1,754 $2,069 Attained Age 12
Transamerica Life Insurance Company Plan L $1,215 $1,528 Issue Age 6
United American Insurance Company Plan L $1,917 $2,559 Attained Age 6
UnitedHealthcare Insurance Company Plan L $1,173 $1,288 Attained Age 3
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 44
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan M Rates
Company Name Plan Type
Rate at
Age 65
Rate at
Age 70
Premium Type
Pre-X
Months
Colonial Penn Life Insurance Company Plan M $2,496 $3,086 Attained Age 0
Garden State Life Insurance Company Plan M $1,597 $1,745 Attained Age 6
Transamerica Life Insurance Company Plan M $1,215 $1,528 Issue Age 6
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 45
2021 Annual Premium Comparisons 2021 Medicare Supplement Guide
Plan N Rates
Company Name Plan Type
Rate at
Age 65
Rate at
Age 70
Premium Type
Pre-X
Months
Americo Financial Life and Annuity
Insurance Company
Plan N $1,523 $1,647 Attained Age 0
Bankers Fidelity Life Insurance Company Plan N $1,546 $1,744 Attained Age 0
Central States Health & Life Co. of Omaha Plan N $1,171 $1,260 Attained Age 0
Cigna Health and Life Insurance Company Plan N $1,278 $1,366 Attained Age 6
Colonial Penn Life Insurance Company Plan N $1,573 $2,033 Attained Age 0
Continental Life Insurance Company of
Brentwood, TN
Plan N $1,104 $1,236 Attained Age 6
Garden State Life Insurance Company Plan N $1,511 $1,634 Attained Age 6
Globe Life and Accident Insurance
Company
Plan N $1,544 $1,905 Attained Age 2
Great Southern Life Insurance Company Plan N $1,310 $1,388 Attained Age 0
Guarantee Trust Life Insurance Company Plan N $1,774 $1,885 Attained Age 6
Humana Insurance Company Plan N $1,952 $2,303 Attained Age 12
Individual Assurance Company, Life, Health
& Accident
Plan N $1,570 $1,772 Attained Age 0
Lumico Life Insurance Company Plan N $1,348 $1,472 Attained Age 0
ManhattanLife Assurance Company of
America
Plan N $1,227 $1,338 Attained Age 0
Nassau Life Insurance Company of Kansas Plan N $1,144 $1,224 Attained Age 6
National Guardian Life Insurance Company Plan N $1,410 $1,487 Attained Age 0
Plan N Rates
National Health Insurance Company Plan N $1,410 $1,546 Attained Age 0
Pan-American Life Insurance Company Plan N $1,370 $1,475 Attained Age 0
Philadelphia American Life Insurance
Company
Plan N $1,592 $1,795 Attained Age 6
Rocky Mountain Hospital and Medical
Service Inc.
Plan N $2,106 $2,470 Attained Age 6
State Farm Mutual Automobile Insurance
Company
Plan N $1,199 $1,465 Attained Age 6
Transamerica Life Insurance Company Plan N $1,407 $1,769 Issue Age 6
United American Insurance Company Plan N $1,871 $2,661 Attained Age 6
United Insurance Company of America Plan N $1,410 $1,541 Attained Age 0
United World Life Insurance Company Plan N $1,756 $1,902 Attained Age 0
UnitedHealthcare Insurance Company Plan N $1,488 $1,634 Attained Age 3
WMI Mutual Insurance Company Plan N $1,188 $1,344 Attained Age 6
Premiums reflect August 2020 survey results for 65 and 70 year old female, non-smokers, in downtown Las Vegas (zip 89102) in Clark County, Southern Nevada, rounded to the nearest
dollar. Please note that rates are subject to change.
Page 46
Medicare Options 2021 Medicare Supplement Guide
Medicare Options
Original fee-for-service Medicare and original Medicare with a
Medicare supplement policy are available to all Nevada beneficiaries who
are age 65 or older, and sometimes to those who are under age 65 with
certain disabilities. Currently, there is only one insurer who offers
Medicare supplement Plan A to beneficiaries under 65. There are also
Medicare Advantage Plans (Part C) offered by private companies that
provide Parts A and B (and sometimes Part D drug coverage) services to
Medicare beneficiaries through special arrangements including HMOs,
PPOs, and Managed Care Companies.
Medicare Advantage
Although Medicare Advantage plans are subsidized by the federal
government, some companies charge nominal premiums and each
company offers differing services. The companies that offer Part C in
Nevada are as follows (separated by county):
Carson City
• Aetna Medicare (1-800-282-5366)
• Allwell Medical (1-800-633-4227)
• Lasso Healthcare (MSA) (1-800-766-2583)
• Prominence Health Plan (1-855-969-5882)
• Senior Care Plus (1-888-775-7003)
Page 47
Medicare Options 2021 Medicare Supplement Guide
Churchill County
• Aetna Medicare (1-800-282-5366)
• Lasso Healthcare (MSA) (1-800-766-2583)
• Prominence Health Plan (1-855-969-5882)
Clark County
• AARP Medicare Advantage (1-800-950-9355)
• Aetna Medicare (1-800-282-5366)
• Allwell Medical (1-800-633-4227)
• Anthem Blue Cross and Blue Shield (1-800-499-2793)
• AVA (1-800-633-4227)
• Humana Insurance Company (1-800-457-4708)
• Imperial Insurance Company (1-214-856-8454)
• Lasso Healthcare (MSA) (1-800-766-2583)
• NVPlus (1-800-633-4227)
• Platinum (HMO) (1-800-633-4227)
• SelectHealth Advantage (1-855-442-9900)
• Senior Care Plus (1-888-775-7003)
• UnitedHealthcare (1-888-525-2086)
Douglas County
• Aetna Medicare (1-800-282-5366)
• Lasso Healthcare (MSA) (1-800-766-2583)
• Prominence Health Plan (1-855-969-5882)
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Medicare Options 2021 Medicare Supplement Guide
Elko County
• Lasso Healthcare (MSA) (1-800-766-2583)
Esmeralda County
• Lasso Healthcare (MSA) (1-800-766-2583)
Eureka County
• Lasso Healthcare (MSA) (1-800-766-2583)
Humboldt County
• Lasso Healthcare (MSA) (1-800-766-2583)
Lander County
• Lasso Healthcare (MSA) (1-800-766-2583)
Lincoln County
• Lasso Healthcare (MSA) (1-800-766-2583)
Lyon County
• AARP Medicare Advantage (1-800-950-9355)
• Aetna Medicare (1-800-282-5366)
• Lasso Healthcare (MSA) (1-800-766-2583)
• Prominence Health Plan (1-855-969-5882)
Mineral County
• Lasso Healthcare (MSA) (1-800-766-2583)
Nye County
• AARP Medicare Advantage (1-800-950-9355)
• Aetna Medicare (1-800-282-5366)
• Allwell Medical (1-800-633-4227)
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Medicare Options 2021 Medicare Supplement Guide
• Anthem Blue Cross and Blue Shield (1-800-499-2793)
• AVA (1-800-633-4227)
• Humana Insurance Company (1-800-457-4708)
• Lasso Healthcare (MSA) (1-800-766-2583)
• SelectHealth Advantage (1-855-442-9900)
• Senior Care Plus (1-888-775-7003)
• UnitedHealthcare (1-888-525-2086)
Pershing County
• Lasso Healthcare (MSA) (1-800-766-2583)
Storey County
• Lasso Healthcare (MSA) (1-800-766-2583)
• Prominence Health Plan (1-855-969-5882)
Washoe County
• AARP Medicare Advantage (1-800-950-9355)
• Aetna Medicare (1-800-282-5366)
• Allwell Medical (1-800-633-4227)
• Anthem Blue Cross and Blue Shield (1-800-499-2793)
• Humana Insurance Company (1-800-457-4708)
• Lasso Healthcare (MSA) (1-800-766-2583)
• Prominence Health Plan (1-855-969-5882)
• Senior Care Plus (1-888-775-7003)
• UnitedHealthcare (1-888-525-2086)
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Medicare Options 2021 Medicare Supplement Guide
White Pine County
• Lasso Healthcare (MSA) (1-800-766-2583)
Original Medicare is the traditional fee-for-service Medicare and
is available to all Medicare beneficiaries. There are two parts of original
Medicare: Medicare Part A and Medicare Part B. Medicare Part A
(hospital insurance) is available to all eligible Medicare beneficiaries for
no monthly premium. Medicare Part B is optional insurance for which
you must pay a monthly premium in order to receive those covered
benefits. The standard Medicare Part B premium in 2020 is $144.60 per
month or higher depending on your income, but some people who get
Social Security benefits will pay less than this amount.
Under Medicare, you can choose any health care provider who
accepts Medicare. Medicare will pay the provider each time you incur an
expense. While Medicare pays its portion, you are responsible for paying
the remaining balance, including deductibles, co-payments, co-insurance
and the cost of services not covered by Medicare.
Note: All newly enrolled Medicare beneficiaries are covered for an
initial physical examination and numerous preventive care services.
Original Medicare with a Supplement Policy
You can purchase a private Medicare supplement insurance plan
(Medigap insurance) to cover some of your obligations after traditional
Medicare has paid its portion. You may purchase one of 10 standard
Medicare supplemental insurance policies. The benefits provided by
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Medicare Options 2021 Medicare Supplement Guide
these plans are summarized on the policy benefit chart found on pages 29
- 30. Most policies pay Medicare co-insurance amounts while others pay
Medicare deductibles. Some beneficiaries may already have
supplemental coverage from other sources such as a former employer or
Medicaid. There are two different versions of Medigap policies:
• Medigap: You can go to any doctor or hospital.
• Medicare SELECT: These plans are almost identical to standard
Medigap insurance. When you purchase one of Medicare’s
SELECT policies, you’re buying a standard Medigap plan. The only
difference is that this type of plan operates like managed care plans.
In other words, you must use plan hospitals and, in some cases, plan
doctors in order to be eligible for full Medigap benefits.
Part D Coverage with Original Medicare
In years past, private insurers were able to provide supplement
insurance combined with drug coverage just as some Medicare Advantage
(Part C) companies offer; however, now recipients with Original
Medicare can choose a Medigap policy and separately shop for a Part D
(prescription drug) policy from a private insurer. Although purchasing a
supplement or drug policy is not mandatory, if you wait until coverage is
needed, financial penalties will incur. There are many Part D insurers
with various plans to choose from.
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Medicare Options 2021 Medicare Supplement Guide
For more information you may visit the Medicare Plan finder at
https://www.medicare.gov/find-a-plan/questions/home.aspx or contact
Nevada SHIP (pages 61 – 64) for more information.
Managed Care
Under a managed care plan, a network of health care providers
(doctors, hospitals, skilled nursing facilities, etc.) offer comprehensive,
coordinated medical services on a pre-paid basis. Payments are made
monthly to Medicare and Medicare makes a monthly payment to the
managed care plan. Some plans will charge a monthly premium or require
a co-payment per visit or service. The monthly premiums and co-
payments will vary depending on the plan you choose and the county in
which you live.
Note: A supplemental insurance policy is not necessary if you join a
managed care plan.
There are several different types of managed care plans:
• HMO: In a Health Maintenance Organization, you must use the
plan’s providers (doctors, hospitals, skilled nursing facilities and
ancillary providers). These providers are paid directly by the HMO
and you are only required to make small co-payments. These plans
sometimes offer services that are not covered by traditional fee-for-
service Medicare.
• HMO with POS option: Less restrictive than HMOs. When
combined with a basic HMO package, the POS (point-of-service)
option allows you to use doctors and hospitals outside of the plan
for an additional cost.
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Medicare Options 2021 Medicare Supplement Guide
• PSO: In a Provider Sponsored Organization you must use the plan’s
providers. These plans operate like an HMO; however, the plan is
sponsored by the providers (doctors and/or hospitals).
• PPO: The in-network benefits are provided by the plan’s providers
(preferred providers). However, you can use doctors and hospitals
outside of the plan for an additional cost.
Private Fee-for-Service Plan
In a private fee-for-service plan, you select a private insurance plan
which accepts Medicare beneficiaries. You will pay the Medicare
premiums, any other monthly premium the private fee-for-service plan
charges, and an amount per visit or service. The fee-for-service plan
determines how much to allow for the service; however, the provider may
charge more than the allowed amount and bill you for the difference. The
plan may provide extra benefits that traditional Medicare does not cover.
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Medicare Options 2021 Medicare Supplement Guide
Health Savings Account (HSA)
A Health Savings Account (HSA) is a tax-advantaged savings
account that can be used to pay for medical and retiree health expenses
incurred by individuals and their families. HSAs are open to anyone who
enrolls in a high-deductible health insurance plan; however, current tax
laws do not allow Medicare beneficiaries to enroll. HSAs fall under the
jurisdiction of the United States Department of Treasury. If an individual
ceases to be eligible for their HSA or makes an ineligible withdrawal,
penalties and taxes may apply.
For assistance with HSAs, please contact your HSA trustee or visit the
United States Department of the Treasury’s Web site at:
http://www.treasury.gov/resource-center/faqs/Taxes/Pages/Health-
Savings-Accounts.aspx or call 1-800-829-1040.
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Medicare Options 2021 Medicare Supplement Guide
Medicare HMOs
An HMO that has a contract with Medicare must provide or
arrange for the full range of Part A and B services if you are covered
under both parts of Medicare. HMOs can also provide benefits beyond
what Medicare allows, such as: preventive care, prescription drugs
(limited amount), dental care, hearing aids, and eyeglasses.
Before joining a plan, be sure to read the plan’s membership materials and
enrollment forms carefully to learn your rights and the nature and extent of
your coverage. If you belong to an HMO plan, the plan will not pay claims
for any non-emergency benefits you receive from providers outside of the
HMO. See pages 48 – 50 for a list of companies that offer Medicare HMOs.
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Medicare PPOs 2021 Medicare Supplement Guide
Medicare PPOs
A Medicare PPO plan is an option for Medicare Part C. Each PPO
plan has a list, known as a “network”, of primary care doctors,
specialists, and hospitals that you may choose from. If you have a
preferred doctor, specialist or hospital, which are not included in the
plan’s network, you may still see them for your medical needs; however,
they will usually cost more than a choice from the plan’s network.
Some Medicare PPO plans offer prescription drug coverage and
additional benefits, such as written and hearing screenings, disease
management, and other services not covered under original Medicare.
Monthly premiums and how much you pay for services vary depending
on the plan. There is an annual limit on your out-of-pocket that varies
depending on the plan.
Note: It is illegal to be sold a Medicare Supplemental Insurance
policy if you have Medicare Part C unless you plan to drop Medicare
Part C and enroll in traditional Medicare.
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High-Deductible Plans 2021 Medicare Supplement Guide
High Deductible Plans
High Deductible Plans F & G
The annual deductible for High-Deductible Plan F is $2,340 in
2020. (Note: At the time of this publication, the annual deductible
for high deductible Plans F and G are unknown for 2021.) Other
than the deductible amount, this plan has the same coverage as regular
Plan F. Benefits under this plan will not begin until the out-of-pocket
expenses have reached $2,340. The expenses not paid are the amounts
the policy would have paid under regular Plan F, including the Medicare
deductibles for Part A and Part B, but not the separate deductible for
emergency foreign travel in Plan F. The premium for this plan is
significantly less than the regular Plan F. These plans are seen in the
2021 Annual Premiums chart on pages 38 through 42.
Annual Limit Plans
Plans K and L
Plans K and L provide for different cost-sharing for items and
services than Plans A – G, M and N. Once you reach the annual limit,
the two plans pay 100% of the Medicare co-payments, co-insurance, and
deductibles for the rest of the calendar year. The out-of-pocket annual
limit does not include charges from your provider that exceed Medicare-
approved amounts, called “excess charges.” You are responsible for
paying excess charges.
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Guaranteed Issue 2021 Medicare Supplement Guide
GUARANTEED ISSUE
During the initial six month enrollment window after your 65
th
birthday, insurers cannot decline to offer you coverage. However,
beyond the six months companies can decline to insure you. And even
during the window, companies can decline to cover pre-existing
conditions for up to six months after enrollment. The most common
conditions for guaranteed issue are seen below.
Note: Certain people will have a right to guaranteed issue of a
Medicare supplement plan, without regard to pre-existing conditions,
no matter when they enroll, even if it’s beyond the six month window.
In order to be eligible for guaranteed issue under any of the following
six circumstances, you must apply within 63 days after losing your
other health plan coverage.
If you first become eligible for
Medicare benefits because of age, disability or end-
stage renal
disease on or after January 1, 2020, the references below to Plans
C and F (including
F with a high deductible) are deemed
references to Plans D and G (including G with a high deductible).
1. When an employer terminates a group plan or eliminates
substantially all supplemental benefits, an individual is eligible for
Plans A, B, C, F (including F with a high deductible), K or L.
2. When a group plan is primary to Medicare and either the plan
terminates or an individual leaves the plan, the individual is
eligible for Plans A, B, C, F (including F with a high
deductible), K or L.
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Guaranteed Issue 2021 Medicare Supplement Guide
3. An individual who has a Medicare SELECT supplemental policy
or is enrolled in a Medicare Advantage plan under Medicare
(managed care or private fee-for-service, see pages 48 - 56), and
discontinues the coverage because:
a. The plan terminates or no longer provides service in the
individual’s area of residence;
b. The individual is no longer eligible for the plan due to a
change in residence; or
c. The individual can show that the plan:
1) Violated a material provision of the contract; or
2) The agent for the plan materially misrepresented the
plan.
The individual is eligible for Plans A, B, C, F (including F with a
high deductible), K or L.
4. An individual who is enrolled in a Medicare supplement plan and
the coverage ceases because:
a. The insurer becomes insolvent;
b. Other involuntary terminations occur;
c. The insurer violated a material provision of the contract, or;
d. The insurer or agent materially misrepresented the plan.
The individual is eligible for Plans A, B, C, F (including F with a
high deductible), K or L.
5. An individual who terminates a Medicare supplement plan in order
to sign up for a Medicare SELECT supplemental policy or a plan
under Medicare Advantage, and then terminates the new coverage
within 12 months, is eligible for the same plan the individual had
prior to the change.
6. An individual who becomes eligible for the first time and signs up
for Medicare Advantage and terminates this coverage within 12
months is eligible for any plan.
For more information: please consult the federally published
Choosing a Medigap Policy at https://www.medicare.gov/Pubs/pdf/02110-
Medicare-Medigap-guide.pdf
and/or contact SHIP (see pages 61 - 64 for contact information).
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Medicare SHIP Program 2021 Medicare Supplement Guide
Medicare SHIP Program
The State Health Insurance Assistance Program (SHIP) is funded by
a grant from the federal government and administered by the Nevada
Department of Health and Human Services, Division for Aging Services.
The Program meets one of the most universal and critical needs of
seniors and Medicare beneficiaries today: free one-on-one assistance
and counseling for questions and problems regarding Medicare and
supplemental health insurance. SHIP provides the following services:
• Pre-Medicare counseling;
• Information and eligibility on Medicare entitlements, benefits,
limitations, Medicaid (Qualified Medicare Beneficiaries &
Specified Low Income Medicare Beneficiaries), and Managed
Care Plans through Health Maintenance Organizations (HMOs);
• Assistance with claims, requests for reconsideration and appeals
processes under Medicare and supplemental insurance;
• Unbiased information that will assist the consumer in determining
supplemental insurance and long-term care insurance needs;
• Outreach information and materials for seniors and families
through meetings, seminars, classes, health fairs, senior fairs and
the media (speakers available); and
• Referrals for coordination with federal and other state and
community services.
Arrangements may be made for homebound seniors, as well as other
seniors, who need personal counseling assistance. Please call (702)
486-3478 in Las Vegas; or toll free in Southern Nevada at 1-800-307-
4444 or 1-844-826-2085 in Northern Nevada. The services offered by
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Medicare SHIP Program 2021 Medicare Supplement Guide
the Program are free of charge and confidential. Senior citizens are
assured there will be no selling or soliciting for insurance.
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Other Resources 2021 Medicare Supplement Guide
Medicare Counseling Program
The following is a list of Senior Centers and/or local numbers to contact
for counseling with the Nevada State Health Insurance Assistance
Program (SHIP):
Please call ahead for counseling times & additional information.
A counselor is available at the following sites by appointment:
Nevada Senior Centers by County
Carson City County Douglas County
Carson City Senior Center Douglas County Senior Center
911 Beverly Drive 2300 Meadows Lane
Carson City, Nevada 89706 Gardnerville, NV 89410
775-883-0703 775-783-6455
Carson City Senior Center information Douglas County Senior Center information
Churchill County Washoe Tribe Senior Center
Fallon Paiute Shoshone Senior Center 919 Highway 395 South
1885 Agency Road Gardnerville, Nevada 89410
Fallon, Nevada 89406 775-265-8600
775-423-7569 866-914-3983
Fallon Paiute Shoshone Senior Center information Washoe Tribe Senior Center information
Churchill County Senior Center Tahoe Douglas Senior Center
310 East Court Street 885 Highway 50
Fallon, Nevada 89406 PO Box 1771
775-423-7096 Zephyr Cove, Nevada 89448
Churchill County Senior Center information
775-588-5140
Tahoe Douglas Senior Center information
Clark County Elko County
Boulder City Senior Center Carlin Open Door Senior Center
813 Arizona Street 320 Chestnut Street
Boulder City, Nevada 89005 PO Box 123
702-293-3320 Carlin, Nevada 89822
Boulder City Senior Center information 775-754-6465
Centennial Hills Active Adult Center
Carlin Open Door Senior Center information
6601 North Buffalo Drive Duck Valley Senior Center
Las Vegas, Nevada 89131
PO Box 219
702-229-1702
Owyhee, Nevada 89832
Centennial Hills Active Adult Center information
775-757-3174
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Other Resources 2021 Medicare Supplement Guide
Cora Coleman Senior Center Elko Indian Colony
2100 Bonnie Lane 1530 Silver Eagle Drive
Las Vegas, Nevada 89156 Elko, Nevada 89801
702-455-7617 775-738-0425
Cora Coleman Senior Center information Elko Band Senior Center
Derfelt Senior Center
511 Sunset Street
3333 West Washington Avenue
Elko, Nevada 89801
Las Vegas, Nevada 89107
775-738-0425
702-229-6601
Elko Band Senior Center information
Doolittle Senior Center
Elko Senior Citizens Center, Inc.
1950 North J Street
1795 Ruby View Drive
Las Vegas, Nevada 89106
Elko, Nevada 89801
702-229-6125
775-738-5911
East Las Vegas Community and Senior Center
Silver Sage Senior Center
250 North Eastern Avenue
213 First Street
Las Vegas, Nevada 89101
PO Box 136
702-229-1515
Wells, Nevada 89835
Heritage Park Senior Facility (50+)
775-752-3280
300 Racetrack Rd.
Silver Sage Senior Center information
Henderson, NV 89015
Eureka County
702-267-2950
Eureka Senior Center
Heritage Park Senior Facility information
20 West Gold Street
Howard Lieburn Senior Center
PO Box 278
6320 Garwood Avenue
Eureka, Nevada 89316
Las Vegas, Nevada 89107
775-237-5597
702-229-1600
Eureka Senior Center information
Howard Lieburn Senior Center information
Fanny Komp Senior Center
Las Vegas Senior Center 728 7th Street
451 East Bonanza Road P. O. Box 211072
Las Vegas, Nevada 89101 Crescent Valley, NV 89821
702-229-6454 775-468-0466
Las Vegas Senior Center information Fanny Komp Senior Center information
Laughlin Family Resource Center Humbodlt County
1975 Arie Street Ft. McDermitt Paiute Shoshone Senior Center
PO Box 32055 111 North Reservation Road
Laughlin, Nevada 89029 PO Box 457
702-298-2592 McDermitt, Nevada 89421
Martin Luther King Senior Center 775-532-8259
2420 N Martin Luther King Blvd #B Winnemucca Senior Center
No Las Vegas, Nevada 89032 1480 Lay Street
702-636-0064 Winnemucca, Nevada 89445
Martin Luther King Senior Center information 775-623-6211
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Other Resources 2021 Medicare Supplement Guide
Mesquite Senior Center
102 West Old Mill Road
PO Box 840
Mesquite, Nevada 89024
702-346-5290
Mesquite Senior Center information
Moapa Band of Paiute
Box 340
Moapa, Nevada 89025
702-865-2787
Moapa Valley Senior Center
325 Cooper Street
Overton, Nevada 89040
702-397-8002
Moapa Valley Senior Center information
North Las Vegas Senior Center (Recreation
Center)
1638 N Bruce Street
North Las Vegas, Nevada 89030
702-633-1600
North Las Vegas Senior Center information
Sandy Valley Senior Center
690 West Quartz Avenue
Sandy Valley, Nevada 89019
702-723-1220
Sandy Valley Senior Center information
Searchlight Senior Center
575 South Highway 95
PO Box 915
Searchlight, Nevada 89046
702-297-1614
Searchlight Senior Center information
West Flamingo Senior Center
6255 West Flamingo Road
Las Vegas, Nevada 89103
702-455-7742
West Flamingo Senior Center information
Whitney Senior Center
5712 Missouri Avenue
Las Vegas, Nevada 89122
702-455-7576
Whitney Senior Center information
Lander County
PO Box 211
Austin, Nevada 89310
775-964-2338
Austin Senior Center information
Battle Mountain Shoshone Band Council
37 Mountain View Drive #C
Battle Mountain, Nevada 89820
775-635-2004
Battle Mountain Shoshone Band Council information
Lander County Senior Citizens Center
365 East 4th Street
Battle Mountain, Nevada 89820
775-635-5311
Yomba Tribal Council
HC 61 Box 6275
Austin, Nevada 89310
775-964-2463
Lincoln County
Alamo Senior Center
20 Airport Road
PO Box 316
Alamo, NV 89001
775-725-3340
Lincoln Senior Center
Main and Atkins
PO Box 508
Panaca, Nevada 89042
775-728-4477
Olsen Senior Center
240 Front Street
PO Box 322
Caliente, Nevada 89008
775-726-3740
Pioche Senior Center
410 Auto Drive
PO Box 432
Pioche, Nevada 89043
775-962-5378
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Other Resources 2021 Medicare Supplement Guide
Lyon County
Dayton Senior Center
320 Dayton Valley Road
PO Box 612
Dayton, Nevada 89403
775-246-6210
Dayton Senior Center information
Fernley Senior Center
1170 West Newlands Drive
Fernley, Nevada 89408
775-575-3370
Fernley Senior Center information
Lyon County Senior Services
1050 Pyramid Street
PO Box 1141
Silver Springs, Nevada 89429
775-577-5009
Lyon County Senior Services information
Silver Springs Senior Center
2945 Ft. Churchill Road
Silver Springs, Nevada 89429
775-577-5014
Silver Springs Senior Center information
Yerington Paiute Tribe Elder Center
171 Campbell Lane
Yerington, Nevada 89447
775-883-8334
Lyon Food, Fun and Fellowship
117 Tilson Way
Yerington, Nevada 89447
775-463-6550
Mineral County
Walker River Senior Center
PO Box 220
Schurz, Nevada 89427
775-773-2224
Mineral County Care and Share
975 K Street
PO Box 1058
Hawthorne, Nevada 89415
775-945-5519
Mina Senior Center
Nye County
Amargosa Senior Center
HCR 69 Box 428
Amargosa, Nevada 89020
775-372-5413
Beatty Senior Center
150 A Avenue South
PO Box 453
Beatty, Nevada 89003
775-553-2954
Duckwater Elder Center
PO Box 140068
Duckwater, Nevada 89314
775-863-0155
Pahrump Valley Senior Citizens Center
1370 West Basin
Pahrump, Nevada 89060
775-727-5008
Tonopah Senior Center
1 Senior Center Drive
PO Box 392
Tonopah, Nevada 89049
775-482-7300
Pershing County
Pershing County Senior Center
PO Box 838
Lovelock, Nevada 89419
775-273-2291
Storey County
Storey County Senior Center
PO Box 786
Virginia City, Nevada 89440; 775-847-0957
White Pine County
Ely Shoshone Elders Center
250 Heritage Drive
Ely, Nevada 89301
775-289-6907
McGill Senior Citizens Center
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Other Resources 2021 Medicare Supplement Guide
821 8th Street
PO Box 195
Mina, Nevada 89422
775-573-2344
1 Avenue K
PO Box 1237
McGill, Nevada 89318
775-235-7110
White Pine Senior Center
1000 Campton Street
Ely, Nevada 89301
775-289-2742
Washoe County
Gerlach Senior Center
385 E. Sunset Blvd.
PO Box 69
Gerlach, Nevada 89412
775-557-2206
Gerlach Senior Center information
Numaga Senior Center
PO Box 256
Nixon, Nevada 89424
775-574-0180
Reno-Sparks Indian Colony
34 Reservation Road
Reno, Nevada 89502
775-329-5162
Reno-Sparks Indian Colony information
Washoe County (Reno) Senior Citizens Center
1155 East 9th Street
Reno, Nevada 89512
775-328-2575
Washoe County (Reno) Senior Citizens Center
information
Sparks Senior Center
97 Richards Way
Sparks, Nevada 89431
775-353-3110
Sparks Senior Center information
Sun Valley Senior Center
115 West 6th Avenue
Sun Valley, NV 89433-7374
775-673-9417
Sun Valley Senior Center information
THE SERVICE OFFERED BY THE MEDICARE SHIP PROGRAM IS PROVIDED BY
TRAINED VOLUNTEERS/ADVISORS AND IS FREE OF CHARGE.
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Other Resources 2021 Medicare Supplement Guide
Other Resources
Division of Insurance
(702) 486-4009 or (775) 687-0700 or Toll-Free: (888) 872-3234
www.doi.nv.gov
Centers for Medicare & Medicaid Services (CMS)
Toll-Free: (800) Medicare (633-4227)
www.cms.gov
Social Security Administration (SSA)
(800) 772-1213 TTY (800) 325-0778
www.ssa.gov
National Association of Insurance Commissioners (NAIC)
(816) 842-3600
www.naic.org
Public Employees’ Retirement System of Nevada (PERS)
(775) 687-4200 or Toll-Free: (866) 473-7768
www.nvpers.org
Nevada Aging & Disability Services Division
(702) 486-3545 or (775) 687-4210
http://adsd.nv.gov
Governor’s Office of Consumer Health Assistance (GOVCHA)
(702) 486-3587 or Toll-Free (888) 333-1597
http://dhhs.nv.gov/programs/cha
Public Employees’ Benefits Program
(775) 684-7000 or Toll-Free (800) 326-5496
www.pebp.state.nv.us
Page 68
How to File an Inquiry or Complaint 2021 Medicare Supplement Guide
How to File an Inquiry or Complaint
If you have an insurance question or problem, you should first contact
your agent or company to get the matter resolved.
If you cannot get the matter resolved, contact the Nevada Division of
Insurance for assistance. Inquiries or questions may be directed to the
Consumer Services section at either of the Insurance Division offices.
Las Vegas
3300 West Sahara Ave #275, Las Vegas, NV 89102
(702) 486-4009
or
Carson City
1818 E. College Pkwy, Suite 103, Caron City, NV 89706
(775) 687-0700
Or, call toll-free anywhere in Nevada at
1-888-872-3234
Or email:
cscc@doi.nv.gov
www.doi.nv.gov
The Division of Insurance cannot recommend an insurance company or
tell you which policy to buy; however, our staff can explain the insurance
terminology in your policy to you. The Division of Insurance will also
contact the company on your behalf in an attempt to help resolve problems
you may be having.
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Policy Checklist
2021 Medicare Supplement Guide
POLICY CHECKLIST
You may find this checklist useful in assessing the benefits provided by a Medicare supplement policy or in comparing policies.
Policy 1 Policy 2 Policy 3
Yes No Yes No Yes No
DOES THE POLICY COVER:
Medicare Part A hospital deductible?
Medicare Part A hospital daily coinsurance?
Hospital care beyond Medicare's 150-day limit?
Skilled nursing facility daily coinsurance?
Skilled nursing beyond Medicare's limits?
Medicare Part B annual deductible?
Medicare Part B coinsurance?
Physician and supplier charges in excess of Medicare's approved amounts?
OTHER POLICY CONSIDERATIONS:
Can the company cancel or refuse to renew the policy?
What are the policy limits for covered services?
How much is the annual premium?
Non-smoking, sex, area, or other discounts?
How long before existing health problems are covered?
Page 70
Definitions 2021 Medicare Supplement Guide
DEFINITIONS
The following terms are commonly used in Medicare supplement
and long-term care insurance policies. Definitions differ from policy to
policy, so it is important to understand the definition used in a specific
insurance policy before you purchase it.
Allowed, approved, or eligible charges: The basis by which Medicare
pays for health care costs. The approved charge paid by Medicare
may be only 60 to 80% of the actual
charge.
Assignment: In the original Medicare plan, this means a doctor agrees
to accept Medicare’s fee as full payment. If you are in the original
Medicare plan, it can save you money if your doctor accepts
assignment. If your doctor doesn’t accept assignment, you may
still be able to see the doctor, but you will need to pay the excess
charges above what Medicare would pay.
Advance directives: Legal documents that allow you to put in writing
what kind of health care you would want if you were too ill to
speak for yourself.
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Definitions 2021 Medicare Supplement Guide
Attained Age: Adjective referring to a type of policy that bases its
premium on the insured’s current age.
Benefit: A benefit is a health care service or supply that is paid for in
part or in full by Medicare.
Benefit period: A specified number of days, months or years for which
benefits will be payable during any one confinement or spell of
illness, or for successive confinements for the same condition.
Body mass index (BMI): A measure of body fat based on height and
weight that applies to both adult men and women.
Chronic: A chronic condition is one lasting three months or more.
Co-insurance or co-payment: The portion of a charge for a covered
medical service that you must pay out of your own pocket. For
example, Part B of Medicare generally requires a co-payment of
20%.
Custodial care: The level of care required to assist an individual in the
activities of daily living. This care helps meet personal needs and
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Definitions 2021 Medicare Supplement Guide
can be provided by persons without professional licenses or
extensive training.
Deductible: The amount of covered expenses that must be incurred and
paid by the insured before benefits become payable by the insurer.
Effective date: The date on which insurance coverage goes into effect.
It is not always the same as the date the application is completed.
Enrollment period: A certain period of time when you can join a
Medicare health plan if it is open and accepting new Medicare
members. If a health plan chooses to be open, it must allow all
eligible people with Medicare to join.
Excess charges: The portion of the Medicare provider’s charges which
exceed Medicare’s approved payment amount.
Exclusion: A specific service, expense, condition or situation not
covered by an insurance plan.
Fee for service: In health care, a payment mechanism in which a
provider is paid for each individual service rendered to a patient.
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Definitions 2021 Medicare Supplement Guide
Group Policies: Group policies are defined by an employer,
organization or association being the policyholder, instead of the
individual. In other words, it will be defined by who the individual
members are paying. If the individual members are paying an
organization other than an Insurance Carrier, then the policy will
be deemed to Group policy.
Guaranteed issue: A policy of insurance that will be issued regardless
of applicant’s health condition.
Guaranteed renewable: The policy must be renewed by the company
except for non-payment of premiums and / or material
misrepresentations. Additionally, premiums for policies may only
be increased if premiums for all like policies are increased by the
same amount.
Health maintenance organization (HMO): A type of Medicare
Advantage plan that is available in some areas of the country.
Plans must cover all Medicare Part A and Part B health care. Some
HMOs cover extra benefits, like extra days in the hospital. In most
HMOs, you can only go to doctors, specialists or hospitals on the
plan’s list, except in an emergency. Your costs may be lower than
in the original Medicare plan.
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Definitions 2021 Medicare Supplement Guide
Health Savings Account (HSA): Health Saving Accounts (HSAs) are
tax-advantaged savings accounts that can be used to pay for
medical and retiree health expenses incurred by individuals and
their families. They are available to anyone who enrolls in a high-
deductible health insurance plan. However, current tax laws do not
allow Medicare beneficiaries to either contribute to their existing
account or enroll.
Home health care: A wide variety of skilled nursing care and
supportive services for individuals who do not need institutional
care. The services are available through intermittent visits and
may include nursing care, physical therapy, speech and hearing
therapy, occupational therapy, social services, and other support
services.
Individual Policies: Individual policies are defined by the individual
being the policyholder. If the individual members pay the
Insurance Carrier directly, then the policy will be deemed to
Individual policy.
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Definitions 2021 Medicare Supplement Guide
Intermediate care: Less intensive care than skilled nursing care. It
usually includes assistance with activities of daily living with the
availability of any on-duty registered nurse.
Issue Age: These policies are priced at your age when you initially
purchase the policy. Increases in age alone will not affect future
premiums.
Lapse: Termination of a policy due to failure by the policyholder to pay
the required premium within the time specified in the policy.
Limiting charge: The highest dollar amount you can be charged for a
covered service by doctors and other health care providers who do
not accept assignment. The limit is 15% over Medicare's approved
amount. The limiting charge only applies to certain services and
does not apply to some supplies or equipment. (See Approved
Amount; Assignment.)
Long-term care: A wide range of routine and complex services
designed to provide maintenance, preventive, rehabilitative and
supportive services to those individuals who have conditions that
impair their ability to function independently.
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Definitions 2021 Medicare Supplement Guide
Managed care: A system of health care where the goal is a system that
delivers quality, cost-effective health care through monitoring,
utilization review, and preventive services.
Medically necessary: Reasonable and necessary services for diagnosis
or treatment as generally accepted by health care professionals that
are clinically appropriate with regard to type, frequency, extent,
location and duration; not primarily provided for the convenience
of the patient, physician or other provider of healthcare; required to
improve a specific health condition of an insured or to preserve his
existing state of health; and the most clinically appropriate level of
health care that may be safely provided to the insured.
Medicare Advantage plan: A plan offered by a private company that
contracts with Medicare to provide you with all your Medicare Part
A and Part B benefits. Medicare Advantage Plans are HMOs,
PPOs, or Private Fee-for-Service Plans. If you are enrolled in a
Medicare Advantage Plan, Medicare services are covered through
the plan, and are not paid for under Original Medicare.
Medicare managed care plans: These are health care choices (such as
HMOs) in some areas of the country. In most plans, you can only
go to doctors, specialists or hospitals on the plan's list. Plans must
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Definitions 2021 Medicare Supplement Guide
cover all Medicare Part A and Part B health care. Some plans
cover extras, such as preventive care not covered by Medicare.
Your costs may be lower than in the original Medicare plan.
Newly eligible on or after January 1, 2020: Means an individual who
becomes 65 years of age on or after January 1, 2020; or first
becomes eligible for Medicare benefits because of age, disability
or end-stage renal disease on or after January 1, 2020.
Network: A list of primary care doctors, specialists and hospitals that
members of a managed care organization can go to. Doctors,
hospitals and other health care providers who have contracted with
the health insurer or a third-party administrator provide health care
at a reduced rate to members within the network.
Open enrollment: A period when new beneficiaries may elect to enroll in
a policy of insurance regardless of health. For a Medicare supplement
policy this period lasts for 6 months and begins on the first day of the
month in which you’re both 65 or older and enrolled in Medicare Part
B.
Out-of-pocket costs: Health care costs that you must pay on your own
because they are not covered by Medicare or other insurance.
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Definitions 2021 Medicare Supplement Guide
Point of service (POS): A managed care plan that allows you to use
doctors and hospitals outside the plan for an additional cost. (See
Medicare managed care plan.)
Pre-existing condition: A medical condition for which medical advice
was given or treatment was recommended or received from a
doctor within a specified period before the effective date of
coverage.
Preferred provider organization (PPO): Health service organization
plan with a network of physicians and suppliers who contract to
provide services to a health insurance plan on a discounted fee-for-
service basis.
Skilled nursing care: Medically necessary care that can only be
provided by, or under the supervision of, skilled, licensed, medical
professionals such as registered nurses or professional therapists.
All skilled services require a physician’s order. Medicare’s
definition of “skilled nursing care” is often different from the
definitions used in long-term care insurance policies.
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Definitions 2021 Medicare Supplement Guide
State Health Insurance Assistance Program (“SHIP”): SHIP refers
to a group of federal and state funded programs. These programs
work together to provide assistance with public and private health
insurance issues as well as options for Medicare beneficiaries or
those soon to be Medicare beneficiaries, their families and
caregivers. SHIP has a centralized component of statewide
assistance and a local component of county- and tribal-based
benefit counselors.
TRICARE: TRICARE is the health care program serving Uniformed
Service members, retirees and their families worldwide.
Underwrite: The process by which an insurer determines whether or
not, and on what basis, it will accept an application for insurance.
Usual and customary or reasonable charges: The fee most commonly
charged by physicians or providers for a particular service,
treatment or supply. This fee may vary from area to area
throughout the state.
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Nevada’s 2020 Medicare Supplement Guide was revised on October 9, 2020
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MEDICARE SUPPLEMENT INSURANCE PREMIUM COMPARISON GUIDE (State of Nevada, Department of Information Technology)

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