2026 is set to be a tumultuous year for Medicare Advantage members, especially for those living in rural Nevada. Between insurance companies changing their networks every year or even pulling out of the area entirely, it can be difficult for those living in rural areas to get the care they need. One of the best solutions to avoid losing your Medicare Advantage coverage is to enroll in a Medicare Supplement (or Medigap) Plan.
Here’s what you need to know about the limitations of Medicare Advantage and how a Medicare Supplement Plan may be the best option for you.
Major Medicare Advantage Insurance Companies Leaving the Area
Due to rising cost of care, many Medicare Advantage insurers have found it difficult to remain competitive in the current market. Rather than reduce their quality of care, some have opted to leave the Medicare market entirely effective December 31, 2025.
While this may prevent cost hikes or reductions in care quality, it may leave many without Medicare Advantage coverage, especially those in rural Nevada who may already have limited access to care options.
Nevada is one of the states with the lowest number of providers available. And when a provider pulls out of an area, it makes finding an in-network care option even more difficult. Many residents are currently experiencing wait times of over six months before they can see a new provider because of the limited options in the state.
Medicare Supplement Plans, however, are not managed by individual insurance companies. They use a nationwide network of providers. So as long as a doctor or facility accepts Medicare, they will accept a Medicare Supplement Plan. Having a Medigap plan helps to ensure you can continue to visit your preferred healthcare provider, even if your Medicare Advantage Plan is no longer in network.
Medicare Advantage Benefits Are Always Changing
Even if a Medicare Advantage provider doesn’t leave the area, they can still change their coverage year to year. During just this past year, we have seen major hospital facilities terminate their contracts with Medicare Advantage carriers for many reasons.
Because Medicare Advantage benefits are subject to change, it can be difficult for members to keep up and ensure they understand their coverage.
Unlike Medicare Advantage Plans, Medicare Supplement Plans don’t change drastically from year to year. Supplement plans are regulated by the Federal Government, not individual insurance companies. This means there’s more regulation and stability, so you can feel confident that your coverage remains intact without needing to keep up with constant changes.
Find a Medicare Supplement Plan with Health Benefits Associates
Overall, Medicare Supplement Plans are a much safer and comprehensive option, especially for those living in rural Nevada with limited options to healthcare. If you or someone you know is enrolled in a Medicare Advantage Plan and wants to make a change, contact us at Health Benefits Associates. Our trained agents will walk you through your options to help you choose a Medicare Supplement Plan that works for your needs and budget. Call us today at 775-828-1216 to schedule an appointment. We look forward to hearing from you!
