The Medicare Annual Enrollment Period in Nevada starts on October 15th and ends on December 7th every year. If you apply for coverage during this time period, your Medicare policy should start on January 1st.

There are certain Special Enrollment Periods which may allow you to get Medicare coverage before January 1st. To learn more about these Special Enrollment Periods, please click here.

The Annual Enrollment Period in Nevada is generally used for people enrolled in Part C Medicare Advantage Plans or people who have Standalone Part D Drug plans. With the help of a licensed broker, you can determine which plan works best for you. Our brokers do not charge any fees to help you enroll in coverage. We will also assist you with any questions or concerns you have throughout the year. To get a free quote, please click here or give us a call at (775) 828-1216.

Part C Medicare Advantage Plans

Part C Medicare Advantage Plans renew every calendar year on January 1st. Even if you enrolled in a Medicare Advantage plan mid year, your plan still renews effective January 1st. Fortunately, these plans do not ask health questions when you apply for coverage. You can switch from carrier to carrier or enroll in a new plan regardless of pre-existing conditions.

Most people remain enrolled in the same Part C Medicare Advantage Plan each year. Here are the main reasons why people change Part C plans during the Annual Enrollment Period:

  • Your preferred doctors are no longer accepted by your current plan.
  • The Drug Plan is no longer covering all of your prescriptions.
  • There are significant premium increases when the policy renews.
  • The renewing plan has significantly less benefits.
  • There is a new plan available in your area with stronger coverage.
  • You want to transition from a Part C Medicare Advantage Plan to a Medigap plan (requires health underwriting in most circumstances).

To learn more about the top 5 reasons to enroll in a Part C Medicare Advantage Plan, please click here.

Medigap Policies

Medigap policies are also known as Medicare Supplement Plans. Medicare Supplement Plans do not renew like Part C Medicare Advantage Plans. You may receive a premium increase each year depending on your Medigap coverage. To remain enrolled in a Medigap plan, all you need to do is pay your monthly premium. Once you are enrolled in a Medigap plan, you do not have to answer health questions to remain enrolled.

If you want to change Medigap plans or enroll in a new Medigap insurance carrier, you will most likely have to answer health questions.

If you are planning to transition from a Medigap plan to a Part C Medicare Advantage plan, there are no health questions during the enrollment process. To convert from a Medigap plan to a Part C Medicare Advantage Plan, you need to submit an application during the Annual Enrollment Period in Nevada.

Here are the main reasons why people convert from a Medigap Plan to a Part C Medicare Advantage Plan:

  • The Medigap plan premium is too expensive.
  • There is a Part C Medicare Advantage Plan in your area that looks appealing.

To learn more about the top 5 reasons to enroll in a Medigap Plan, please click here.

Part D Drug Plans

Standalone Part D Drug Plans renew every year on January 1st. During the Annual Enrollment Period in Nevada, people can shop for new Drug Plans. These Standalone Drug Plans cannot be purchased if you are enrolled in a Part C Medicare Advantage Plan. Part D Drug Plans are usually purchased when someone is enrolled in a Medigap Plan. When enrolled in a Medigap Plan, you do not need to enroll in a Part D Drug Plan with the same carrier. You can enroll in a Part D Drug plan with any carrier available in your area.

Here are the main reasons why people shop for new Part D Drug Plans during the Annual Enrollment Period:

  • The drug plan premium is significantly increasing.
  • Your favorite pharmacy is no longer covered.
  • Your current drug plan no longer covers all of your prescriptions.
  • There is a new drug plan in your area that covers you better than your current coverage.

You can shop for these drug plans online on the Federal Medicare website. To learn about what options are available in your area, please click here.