Anthem Medicare Supplement in Las Vegas, Nevada

How Anthem Medigap works in Nevada

Medicare Supplement coverage works alongside Original Medicare Parts A and B. Standardized plan letters help pay certain Medicare cost-sharing amounts, and you can generally use any doctor or hospital in the United States that accepts Medicare, subject to the policy terms.

Plan G and Plan N are different tradeoffs

• Plan G generally covers the standardized Medigap benefits except the Medicare Part B deductible.
• Plan N generally has lower premiums than Plan G but uses certain office and emergency-room copays and does not cover Part B excess charges.
• Plan F is generally limited to people who became eligible for Medicare before January 1, 2020.
• Nevada also permits certain innovative Medigap designs, so verify the current Anthem policy details before applying.

Nevada birthday rule

Nevada gives existing Medigap policyholders an annual birthday-period opportunity to move to coverage with the same or lesser standardized benefits without medical underwriting, subject to Nevada law and policy eligibility. This rule is especially important when comparing renewal premiums.

What Medigap does not include

Medigap does not provide outpatient prescription drug coverage, so beneficiaries who want drug coverage generally consider a separate Part D plan. Routine dental, vision, and hearing benefits are not part of standard Medigap coverage, although some Nevada innovative policies may include additional non-standard benefits.