If you live in Reno and are eligible for Medicare, you may qualify for a Medicare Supplement Plan G. Medicare Supplement Plans, commonly referred to as Medigap Plans, work with any doctor or hospital in the nation that accepts Medicare. The Plan G in Reno is the highest form of Medicare coverage for anyone who turned 65 after January 1st, 2020. If you turned 65 before 2020, you can still enroll in the Plan F. The Plan F is higher in coverage compared to the Plan G in Reno. Based on market trends, we do not recommend the Plan F. If you are enrolled in or qualify for the Plan F, click here to learn more about the drawbacks of the Plan F.
Qualifying for the Plan G in Reno
To qualify for the Plan G in Nevada you must meet the following requirements:
If you are not 65, but qualify for Part A and Part B of Medicare due to a disability, you can enroll in a Medicare Advantage Plan. Unfortunately, Nevada only allows people 65 or older to enroll in Medicare Supplement plans. To learn more about Medicare Advantage plans, please click here.
To see if you qualify for Part A and Part B of Medicare, please click here.
Enrolling with No Health Questions
Medicare Supplement plans can ask health questions and deny you coverage based on preexisting conditions. For people who enroll at the right time, they can apply for the Plan G in Reno without answering health questions. There are two main scenarios where people can enroll without health questions:
- Guaranteed Issue Period
- Special Enrollment Period
A Guaranteed Issue Period occurs when you turn 65. The Guaranteed Issue Period starts on the first day of your 65th birthday month and lasts 6 months. If you were born on the 1st day of the month, your Guaranteed Issue Period will start on the beginning of the prior calendar month. During this 6 month window, you can enroll in a Medicare Supplement plan without answering health questions.
A Special Enrollment Period is a special circumstance which allows you to enroll in certain Medicare Supplement plans without answering health questions. If you turned 65 after January 1st, 2020 and experienced a Special Enrollment Period, you can enroll in the Plan G in Reno without answering health questions. To learn more about the specific Special Enrollment Periods of Medicare, please click here.
Enrolling with Health Questions
If you are not applying during a Guaranteed Issue Period or Special Enrollment Period, you will need to answer health questions. Based on your health history and current prescriptions, the insurance company can reject your application. Once you are enrolled in a Medicare Supplement Plan, the insurance company cannot ask health questions. You can keep your current Medicare Supplement Plan regardless of what health conditions arise during the year.