
Discover Your Medicare Options
Medicare advertising can be relentless. With so many different options, it is easy to be confused about your choices. That’s where our office comes in. We help compare each choice to find the plan that fits your needs.
RECENT REVIEWS
andrew sato (Ben)
Matt at Health Benefits Associates has been assisting me regarding health insurance questions and coverage/s for years.
Matt Law is the utmost professional and knowledgeable health insurance representative/broker anyone could hope... read moreMatt at Health Benefits Associates has been assisting me regarding health insurance questions and coverage/s for years.
Matt Law is the utmost professional and knowledgeable health insurance representative/broker anyone could hope to have.
Matt Law and Health Benefits Associates are uniquely responsive and will save you time & money compared to many others in their field. read less - 5/17/2022Scott Cresta
Trevor helped me to better understand the Medicare and Medicare supplement process as I’m having to go on Medicare in August. He explained the process with language I could understand... read moreTrevor helped me to better understand the Medicare and Medicare supplement process as I’m having to go on Medicare in August. He explained the process with language I could understand and took the time and patience to walk me through teach step. He followed up with me and he has good bedside manners. Knowledgeable hospitable and courteous I found Trevor. I appreciate him and his time. His guidance has made my life easier when it comes to my health benefits. Thank you Trevor. read less - 5/14/2022
Beatriz Molina
Grant Dodge helped me determined the best Medicare Supplemental plan options. He made very easy and simple and help me with the application. I recommend Grant to anyone one looking... read moreGrant Dodge helped me determined the best Medicare Supplemental plan options. He made very easy and simple and help me with the application. I recommend Grant to anyone one looking for Medicate Supplementa plans read less - 4/26/2022
Heather Cinani
Grant was amazing to work with! He really works to understand your individual needs and works hard to find the right plan that fits. He's super easy to talk... read moreGrant was amazing to work with! He really works to understand your individual needs and works hard to find the right plan that fits. He's super easy to talk to and makes the plan comparison and application process simple and easy! He did a a great job and I would definitely recommend him to a friend! read less - 4/14/2022
Emmanuel Durand
I have been working with Matt for 8 years now. From private insurance options to Obamacare to Medicare, he has always been there for me with remarkable guidance. I will... read moreI have been working with Matt for 8 years now. From private insurance options to Obamacare to Medicare, he has always been there for me with remarkable guidance. I will give HBA 10 stars if I could. Matt is a class act and I am looking forward continuing this fantastic business relationship. Thank you and keep up the excellent work. read less - 4/06/2022
2Old 4this
I would recommend Matt Law for your health insurance needs. He listens to your needs and is very knowledgeable about the best options available to you and at the best rates. - 3/28/2022
Sandra Wolfepayton
I met with Trevor to assist me with choosing a Medicare Advantage Plan. My experience was very positive. He navigated through different plan options and asked fact finding questions that... read moreI met with Trevor to assist me with choosing a Medicare Advantage Plan. My experience was very positive. He navigated through different plan options and asked fact finding questions that narrowed down the most optimum plan to my liking. He was patient with me while making my final decision. The reason I chose Health Benefit Associates was primarily to avoid making a mistake. I received far more from his help than I could on my own. I highly recommend this cost free servic
. read less - 3/24/2022Peter Williamson
Matt Law has been an outstanding agent for me, answering all questions clearly and promptly, looking out for my interests and getting me the best options for my needs. ... read moreMatt Law has been an outstanding agent for me, answering all questions clearly and promptly, looking out for my interests and getting me the best options for my needs. But the thing that stands out the most to me is his responsiveness and service AFTER I stopped being a customer (I moved away) but still had open questions to deal with. He has provided truly exemplary service - thank you Matt, I really appreciate your help. read less - 2/16/2022
Pam Bickell
My agent is Kyle Devries at Health Benefits. Kyle listened to my needs when I first met him and keeps his eyes open for the best plan for me every... read moreMy agent is Kyle Devries at Health Benefits. Kyle listened to my needs when I first met him and keeps his eyes open for the best plan for me every year. And, he’s always ready to help. Recently, my new insurance company didn’t pay a doctor’s invoice, saying I hadn’t met my deductible. I confirmed with Kyle that I didn’t have a deductible and knowing that going in made it much easier to deal with the insurance company. Kyle is attentive, caring, on time and good at his job. I highly recommend him, especially to seniors like myself. He helps sort through all the noise and knows all the plans. read less - 2/01/2022
Judee Searle
I had an appointment with Matt Law, with Health Benefits Associates. Matt was so informative and explained all my options for a health plan that would be a good fit... read moreI had an appointment with Matt Law, with Health Benefits Associates. Matt was so informative and explained all my options for a health plan that would be a good fit for me. I would recommend Matt to anyone that finds this health care system confusing and not sure how to choose the right one.The nice part is, he does all the work for you. Now I just need to wait for my new cards in the mail. THANK YOU MATT !! read less - 1/31/2022
Sam Bridle
Just moved to the Tahoe area and needed to sort through my Medicare options. Matt Law was very knowledgeable and responsive in helping me navigate through the process. Would highly... read moreJust moved to the Tahoe area and needed to sort through my Medicare options. Matt Law was very knowledgeable and responsive in helping me navigate through the process. Would highly recommend Matt to anyone looking for a Medicare broker! read less - 1/21/2022
Stacey Wellborn
Grant was amazing to work with to get our new medical plans set up. He is responsive without being pushy, professional, friendly and knowledgeable about the plans available to... read moreGrant was amazing to work with to get our new medical plans set up. He is responsive without being pushy, professional, friendly and knowledgeable about the plans available to us. We would definitely recommend Grant! read less - 1/04/2022
Bonnie Whipp
I just relocated from another state and in search of good healthcare for my wife and myself. I was recommended to Kyle Devries from Hometown Health. He did... read moreI just relocated from another state and in search of good healthcare for my wife and myself. I was recommended to Kyle Devries from Hometown Health. He did a great job of explaining all of our options and helping us find insurance in a timely manner. He is very polite and professional. I highly recommend him for your insurance needs. Mark W read less - 12/10/2021
Lizbeth Cohen
We were completely at a loss when it came to signing up my mom for the year to come on Medicare. Katie was able to help us in a moments... read moreWe were completely at a loss when it came to signing up my mom for the year to come on Medicare. Katie was able to help us in a moments notice. She was very knowledgeable and professional. If you’re ever in need of some comparison across several insurances without having to call each one separately this is the office to call. Thanks for all your help Katie. read less - 12/07/2021
Mark Fisko
Trevor made the process of obtaining health insurance for my wife and I painless. He was very professional returning all my phone calls and emails in timely fashion. I would... read moreTrevor made the process of obtaining health insurance for my wife and I painless. He was very professional returning all my phone calls and emails in timely fashion. I would highly recommend Trevor to anybody looking for health insurance here in Northern Nevada read less - 11/24/2021
Betty Camp
We met with Katie Osterman in October. She was able to guide us to a plan that would save us $5000 a year in costs. We loved her... read moreWe met with Katie Osterman in October. She was able to guide us to a plan that would save us $5000 a year in costs. We loved her personality, her professionalism and of course that she could save us that much money. She is a wonderful lady and a credit to her organization. read less - 11/18/2021
Shelley Sloane
Excellent company to do business with. I had the greatest interaction while looking for insurance , and normally it is dreadful but Grant Dodge was the Agent and he spent... read moreExcellent company to do business with. I had the greatest interaction while looking for insurance , and normally it is dreadful but Grant Dodge was the Agent and he spent a lot of time finding me the best policy for my Medicare Plan for the new year. I have enjoyed my time with Grant who is absolutely great to do business with. I am now covered 100% no copays , no more out of pocket expenses even for prescription's and my Dr.s all accept my new plan . I will be a repeat customer , Grant answered all of my questions and a pleasant attitude ! Shelley S. read less - 11/17/2021
Nancy Cook Long
I contacted Kyle after reading reviews about his firm and was not disappointed. He helped me put together a great set of choices for a family member’s medical coverage. ... read moreI contacted Kyle after reading reviews about his firm and was not disappointed. He helped me put together a great set of choices for a family member’s medical coverage. A couple of weeks later he helped me and my family find very good travel medical coverage. He was fast, thorough, professional and so helpful. I highly recommend Kyle and his company for their expertise and helpful approach! read less - 10/29/2021
Kathie Driskell
Kyle was very helpful and found me an excellent plan. I would highly recommend him to anybody as he is very good at sorting through the plans and find the... read moreKyle was very helpful and found me an excellent plan. I would highly recommend him to anybody as he is very good at sorting through the plans and find the one that gives you the most benefits for the best value. He is very knowledgeable about each plan available. read less - 10/29/2021
Michael Levasheff
Matt Law was very professional and was able to answer all of our questions to our satisfaction. We appreciated his knowledge and did not feel any pressure regarding insurance. - 10/25/2021
Michael Robey
Matt law is very helpful and knowledgeable. He answered all of my questions and explained all of my options. The enrollment process was quick and easy. I would highly recommend... read moreMatt law is very helpful and knowledgeable. He answered all of my questions and explained all of my options. The enrollment process was quick and easy. I would highly recommend his services. Thank you! read less - 10/19/2021
Mike Lystra
I met with Matt and was thoroughly impressed with his knowledge and concern for my health care needs. He was patient, very professional and I would recommend him to everyone. - 10/12/2021
Kathy Siegler
Grant Dodge was fantastic to work with. He was open to my questions and gave clear answers. He follows up!!!. Helped me make decisions on what plan to pick. I... read moreGrant Dodge was fantastic to work with. He was open to my questions and gave clear answers. He follows up!!!. Helped me make decisions on what plan to pick. I highly recommend this young man. He is good with seniors!!!!! read less - 10/02/2021
Kenneth Sjoen
Matt Law has always been responsive, extremely helpful and more than competent in assisting us in ALL our healthcare needs. We highly recommend him and his expertise in addressing... read moreMatt Law has always been responsive, extremely helpful and more than competent in assisting us in ALL our healthcare needs. We highly recommend him and his expertise in addressing ANY health care issues. He is, and will always be, our go-to guy !! read less - 10/02/2021
David Barnes
Very knowledgeable and was on top of everything. If he was not available for a call he would get back to me as soon as he could which was... read moreVery knowledgeable and was on top of everything. If he was not available for a call he would get back to me as soon as he could which was pretty quickly. You can buy insurance from anyone but what it comes down to is dealing with someone who provides you with excellent customer service and that is exactly what Alex does. read less - 10/01/2021
Dan Snell
Matt Law was very knowledgeable and very helpful in explaining my options. He was very quick to respond to any questions I had. I highly recommend him! - 9/29/2021
Kristin
Kyle Devries really helped me a lot! My situation was a bit complicated, but he helped me navigate through all the details. Kyle's the best: smart, pleasant,... read moreKyle Devries really helped me a lot! My situation was a bit complicated, but he helped me navigate through all the details. Kyle's the best: smart, pleasant, and helpful. Highly recommend. read less - 8/24/2021
sharil williams
I first contacted Matt when I still lived in Wyoming a year ago. When I finally moved to Reno, he remembered me and was very facilitative to help me... read moreI first contacted Matt when I still lived in Wyoming a year ago. When I finally moved to Reno, he remembered me and was very facilitative to help me get into the right plan. He is very knowledgeable and easy communicator. Matt certainly helped me navigate the larger Reno healthcare market. read less - 8/19/2021
John & Rachel Bogard Planet X Pottery
I highly recommend having Alex help you with your Healthcare needs. He is highly knowledgeable about all the different options. He made it very easy to pick the best plans... read moreI highly recommend having Alex help you with your Healthcare needs. He is highly knowledgeable about all the different options. He made it very easy to pick the best plans & then did all the work to get us signed up. So much easier than trying to do it ourselves. Alex, you are the best! read less - 8/09/2021
Darlene Green
My experience with Kyle Devries has been helpful and a smooth process. He seems to be very knowledgeable on everything he offered. I am so glad to work with... read moreMy experience with Kyle Devries has been helpful and a smooth process. He seems to be very knowledgeable on everything he offered. I am so glad to work with him on choosing a plan read less - 7/30/2021
Get a quote for Medicare plans using the button above or you can go to our contact page to give us a call!
Medicare has four main parts:
Part A (Hospital Insurance)
Medicare Part A helps cover your:
- Inpatient care in hospitals
- Skilled nursing facility care
- Hospice care
- Home health care
Part B (Doctor Insurance)
Medicare Part B helps cover your:
- Services from doctors
- Outpatient Care
- Preventative Services
- Medical Equipment
Part C (Medicare Advantage)
All in one alternative to Original Medicare:
- Combines Parts A, B and D (not always)
- Obtained from a private insurance carrier
- Local network of doctors
- Can offer additional benfits like dental, vision, and hearing
Part D (Prescription Drug Coverage)
Medicare Part D helps cover your:
- Costs of prescription drug
- Also obtained from a private insurance carrier
- A fantastic quote tool can be found here: Part D Plan Search
- You may have a penalty if you do not enroll when you are initially eligible
Continue down to view options to protect yourself from what Original Medicare doesn't cover.

Once you have Parts A and B, there are two different routes you can go. This is either a Nevada Medicare Supplement or Medicare Advantage plan.
Both of these choices have pros and cons. Depending on your specific situation, one choice may be better suited for you. This is why comparing options with a licensed professional is so important. You can view below some of the differences between these choices to get a general idea of how each option works.
Supplement Plans
- Supplement plans have a monthly premium. The amount will depend on your age and gender when enrolling.
- Covers the remainder of the bill after your Part B deductible (Plan G). There are many other plan options but Plan G provides the most coverage.
- Requires medical questionnaire UNLESS you're turning 65, leaving a Medicare Advantage plan in your first year, or leaving a group plan (other exceptions apply)
- You can purchase it at any time, not just October 15th through December 7th.
- You can visit any doctor or hospital who accepts patients over 65 years old and as a result, there is little restriction on the doctors you can choose from.
- These do not include prescription drug coverage. A great tool for shopping drug plans can be found here: Part D plan search.
Advantage Plans
Nevada Medicare Advantage plans have premiums as low as $0! Many also include prescription benefits with their medical plan.
- In exchange for the low premiums, many plans limit the doctors who are covered.
- Includes a maximum out-of-pocket. This limits the amount you pay annually for doctors and hospitals.
- Very low co-pays are offered for most routine medical services
- All rates are the same per zip code, regardless of age or sex
- Need to be in a Special Enrollment Period or Annual Enrollment Period (Oct 15 - Dec 7th) to start coverage unless you are turning 65.
- Guaranteed issue, you can't be denied or rated up based on your health (excluding End Stage Kidney Disease).
- Many Nevada Medicare Advantage plans include dental, vision, and hearing aid coverage at no extra cost.
Medicare Annual Enrollment Period in Nevada
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 …Read More »
Medicare IRMAA Appeal
Original Medicare parts A and B are not free. When you work in the US, there is a deduction in your paychecks for Medicare taxes. Unfortunately, that doesn’t make Medicare free once you turn 65. The truth is, they are not free. In fact, if you’re earning a higher …Read More »
Enrolling in a Medicare Advantage Plan
Insider Help Finding Reno Medicare Advantage Plans If there is one thing more confusing than Medicare, it’s Medicare Advantage plans in Reno. There are so many different choices in Northern Nevada and these plans are changing every year. Currently, the Medicare Advantage market is heating up in this area. Multiple …Read More »
For accommodation of persons with special needs at meetings call Phone:775-828-1216 and TTY:800-326-6868.