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SCAN Medicare Plan Las Vegas.

SCAN Medicare Health Plan James O'Neal Las Vegas, Agent Broker Types HMO, and PPO Coverage Options Free Agent Broker Enrollment Help Arizona, California, Nevada, New Mexico, Washington, and Texas
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SCAN Medicare Advantage Las Vegas Review: What Nevada Seniors Need to Know.

Diagram showing Part A and Part B as Original Medicare, then the two routes: keeping Original Medicare with a Part D drug plan and optional Medigap, or taking a Medicare Advantage Part C plan that replaces A and B.
The four parts of Medicare and the two routes

SCAN Medicare Advantage has become a compelling choice for Nevada seniors seeking more detailed coverage than Original Medicare.

More Las Vegas residents are asking as we head into 2027: Is SCAN a good Medicare Advantage plan to meet their specific needs?

SCAN Health Plan Medicare Advantage offers a range of benefits that appeal to retirees throughout Henderson and North Las Vegas.

These include prescription drug coverage, dental, vision, and wellness programs.

The decision matters because your choice of SCAN insurance affects your healthcare costs and access to providers.

We’ll walk you through what you need to know about SCAN Medicare Advantage plans available in Las Vegas. This covers costs, coverage details,s and how to enroll.

What is SCAN Medicare Advantage?

SCAN Medicare overview

SCAN Health Plan was founded in 1977 and stands for Senior Care Action Network. It operates as a not-for-profit Medicare Advantage organization based in Long Beach, California[19]. The nonprofit structure means that SCAN reinvests revenue in member benefits rather than shareholder profits. This difference appeals to many retirees.

SCAN provides healthcare coverage to more than 440,000 Medicare beneficiaries in 33 counties across six states: Arizona, California, Nevada, New Mexico, Texas, and Washington[19]. This makes SCAN one of the largest not-for-profit Medicare Advantage plans in the United States[19]. SCAN recorded the largest membership increase in its history during the 2026 Annual Enrollment Period. Membership grew by more than 127,000 individuals[19].

SCAN offers only HMO Medicare Advantage plans. These plans combine hospital coverage (Part A) and medical coverage (Part B) into a single plan [2].

All SCAN Medicare Advantage plans have prescription drug coverage (Part D) and make it easier to manage benefits in one place[3].

About 87% of SCAN Health Plan Medicare Advantage plans have a $0 premium[3].

SCAN has developed several population-specific Medicare Advantage plans since 2021.

These plans are SCAN Affirm for LGBTQ+ older adults and SCAN Inspired, which focuses on women. SCAN Allied aims to serve Asian older adult populations[19].

Who qualifies for SCAN Medicare in Nevada

You must be eligible for Medicare Part A and Part B and reside in the plan’s service area if you want to enroll in SCAN Health Plan in Nevada[4]. SCAN accepts both new Medicare beneficiaries and those switching from other plans.

SCAN also serves dually eligible beneficiaries who qualify for both Medicare and Medicaid through specialized D-SNP plans[20].

Veterans with V.A. or Tricare coverage can also enroll in SCAN Medicare Advantage plans.

SCAN Medicare Classic plan features

The SCAN Classic plan (H0978-001-0) represents the core HMO offering in Nevada with a monthly premium of $0[4].

Primary care visits, specialist visits, and urgent care services all have a $0 copay [4].

The annual maximum out-of-pocket limit stands at $900.

Once you reach that threshold, in-network services are covered fully for the rest of the year[4].

The plan has prescription drug coverage with a Part D deductible of $0[4].

SCAN Classic earned a CMS quality rating of 4.0 out of 5 stars for 2026[4]. About 3,420 members are enrolled in this plan[4].

SCAN Medicare Advantage Plans Available in Las Vegas 2026

Senior couple smiling and using a tablet with Medicare Advantage Plans info from O'Neal Insurance Group.
SCAN Medicare Plan Las Vegas. 8

Image Source: O’Neal Insurance Group

SCAN Medicare coverage areas in Henderson and North Las Vegas

SCAN Health Plan serves all of Clark County.

The insurer has enrollment centers throughout Las Vegas, Henderson, North Las Vegas, Mesquite, and Pahrump [5].

Physical locations operate at CVS pharmacies, The Medicare Store and independent agencies like Art of Medicare and Smart Buy Insurance[5].

SCAN opened its first Nevada storefront, SCAN Central, in Henderson to provide hands-on enrollment support[6].

We serve dually eligible beneficiaries through C-SNP and D-SNP plans, new Medicare beneficiaries,s and Veterans who may also have V.A. and Tricare coverage.

We represent Aetna, Alignment Health Plan, Anthem, Humana, UnitedHealthcare, Wellcare, and other major carriers in addition to SCAN.

Monthly Premiums and Out-of-Pocket Costs

About 87% of SCAN Health Plan Medicare Advantage plans have a $0 monthly premium [3].

Plans with premiums average $29.62 per month[3]. You’ll still pay your Medicare Part B premium of at least $202.90 monthly in 2026[3].

Some SCAN plans give Part B giveback credits to offset this cost[7].

The average maximum out-of-pocket limit among SCAN plans is $1,563[3].

Limits range from $199 to $6,700[8]. The SCAN Classic plan has a $3,400 MOOP[9].

Part D Drug Coverage Details

All SCAN Medicare Advantage plans have prescription drug coverage[3].

Tier 1 drugs cost $0 at 100% of plans [3], and 99% of plans offer $0 Tier 2 generics [3].

The annual Part D out-of-pocket cap is $2,100[7].

SCAN’s drug coverage has vitamin B12, vitamin D2, folic acid, id and generic Viagra on Tier 1[10].

Dental, Vision, and Hearing Benefits

SCAN expanded benefits for 2026. Dental allowances range from $800 to $4,000 annually[1].

Vision coverage provides a $175 to $1,000 yearly allowance [1].

Some plans have eyewear reimbursements up to $300[11].

Hearing aids receive coverage with allowances that vary by plan.

Is SCAN a Good Medicare Advantage Plan for Nevada Seniors?

SCAN Health Plan logo featuring a stylized apple with seeds and the text 'scan HEALTH PLAN'
SCAN Medicare Plan Las Vegas. 9

SCAN Medicare Advantage Reviews from Las Vegas Members

U.S. News & World Report named SCAN to its 2025 list of Best Medicare Advantage Companies in both California and Nevada.

It gave SCAN an overall score of 4.1 out of 5[8].

SCAN earned a 4.0-star rating from CMS for 2026 in Nevada and continues to deepen its presence in the state[12].

Every SCAN Medicare Advantage plan receives a quality rating of 4 out of 5 or higher from CMS [3].

Member feedback reveals a mixed picture. SCAN ranked second in California with a 90% member satisfaction rating[13].

But member experience scores are below average on certain measures [3].

The biggest problem: 30% of members leaving SCAN cited problems with coverage for doctors and hospitals, which is no match for the 17% all-company average[3].

SCAN Medicare doctor network and hospital access

SCAN significantly expanded its provider network for 202y. The insurer added new hospital systems and primary care providers[12].

Network complaints remain elevated relative to competitors, so verifying that your doctors participate before enrolling is essential.

The SCAN Medicare prescription drug formulary

SCAN maintains a five-tier formulary structure, updated monthly [14].

The formulary has improved coverage for select prescription vitamins and generic medications on Tier 1[10].

SCAN Medicare extra benefits and wellness programs

SCAN Central in Henderson provides face-to-face support. Members can meet with Member Service Advocates and Peer Advocates there[15].

Licensed Medicare advisors provide in-person consultations without sales pressure[15].

We serve dually eligible beneficiaries through C-SNP and D-SNP plans, new Medicare beneficiaries, and Veterans with V.A. and Tricare coverage.

We represent Aetna, Alignment Health Plan, Anthem, Clover Health, Devoted Health, Humana, Molina HealthCare, Mutual of Omaha, UnitedHealthcare, Wellcare, and SCAN Health Plan. We also work with Zing Health.

How to Enroll in SCAN Medicare Advantage in Nevada

Finding a Local Medicare Agent in Las Vegas

SCAN operates enrollment centers throughout Clark County at CVS locations, The Medicare Store, Preferred Benefits Partners, Art of Medicare, and Smart Buy Insurance[5].

Events run October through December and offer face-to-face consultations with licensed representatives[5].

We serve dually eligible beneficiaries through C-SNP and D-SNP plans, Part B Giveback Plans, new Medicare beneficiaries, and Veterans with V.A. and Tricare coverage. SCAN Health Plan is just one option.

We represent Aetna, Alignment Health Plan, Anthem, Banner Health, BlueCross BlueShield of Illinois, Cigna, Clover Health, Devoted Health, Essence HealthCare, GTL, Guarantee Trust Life Insurance Company, Humana, KCA, Kelsey Care Advantage, Molina HealthCare, Mutual of Omaha, Physicians Mutual, Select Health, UnitedHealthcare, Wellcare, and Zing Health.

SCAN Medicare enrollment periods and deadlines

You can enroll in SCAN during the Annual Enrollment Period from October 15 through December 7, with coverage starting January 1[16].

Special Enrollment Periods apply if you’re new to Medicare, move to a new area, lose other coverage, or qualify for Extra Help with prescription costs[16].

The Medicare Advantage Open Enrollment Period runs January 1 through March 31[17].

Comparing SCAN to Other Medicare Supplement Options

SCAN Medicare Advantage plans differ from Medigap policies, which supplement Original Medicare. Medicare Advantage replaces Original Medicare entirely and bundles hospital and medical coverage with prescription benefits.

Switching to SCAN Medicare from Original Medicare

Switching from Original Medicare to SCAN requires enrollment during qualifying periods. Contact your Medicare Advantage plan provider or call 1-800-MEDICARE to process the switch[18].

Conclusion

SCAN represents a solid Medicare Advantage choice for Las Vegas seniors, especially with $0 premium options and a 4.0 CMS rating.

The improvements in dental and drug coverage for 2026 are impressive. That said, check that your doctors participate before you enroll, as network complaints run higher than competitors.

We serve dually eligible beneficiaries through C-SNP and D-SNP plans, Part B Giveback Plans, new Medicare beneficiaries, and Veterans with V.A. and Tricare coverage.

We work with Aetna, Alignment Health Plan, Anthem, Humana, UnitedHealthcare, Wellcare, and other major carriers throughout Nevada in addition to SCAN.

Key Takeaways

Nevada seniors considering SCAN Medicare Advantage for 2026 should understand these essential points before enrolling:

• 87% of SCAN plans cost a $0 monthly premium with maximum out-of-pocket limits averaging $1,563, making it an affordable option for budget-conscious seniors.

• SCAN earned a 4.0-star CMS rating and serves 440,000+ members across six states as a not-for-profit organization that reinvests revenue into member benefits.

• All SCAN plans include prescription drug coverage with $0 copays for Tier 1 drugs and enhanced dental allowances ranging from $800-$4,000 annually for 2026.

• Network access requires careful verification as 30% of departing members cited doctor/hospital coverage issues—significantly higher than the 17% industry average.

• Enrollment is available through multiple channels, including SCAN Central in Henderson, CVS locations, and licensed agents representing multiple carriers for comparison shopping.

SCAN’s expansion in Nevada brings competitive benefits and strong ratings, but the elevated network complaints warrant thorough provider verification before switching from Original Medicare or another plan. Working with a licensed agent who represents multiple carriers ensures you compare all available options in Clark County.

FAQs

Q1. Is SCAN Health Plan a legitimate Medicare Advantage provider? Yes, SCAN Health Plan is a legitimate not-for-profit Medicare Advantage organization founded in 1977. It serves over 440,000 Medicare beneficiaries across six states and earned a 4.0-star CMS rating for 2026. SCAN was also named to U.S. News & World Report’s 2025 list of Best Medicare Advantage Companies in Nevada with an overall score of 4.1 out of 5.

Q2. What makes SCAN different from other Medicare Advantage plans in Nevada? SCAN operates as a not-for-profit organization, meaning it reinvests revenue back into member benefits rather than shareholder profits. About 87% of SCAN plans have a $0 monthly premium, and all plans include prescription drug coverage with $0 copays for Tier 1 drugs. SCAN also offers enhanced dental allowances ranging from $800 to $4,000 annually for 2026.

Q3. Which Medicare Advantage companies offer the highest-rated plans in Nevada? The highest-rated Medicare Advantage plans in Nevada are offered by Humana, SCAN Health Plan, Aetna, Kaiser Permanente, Alignment Health Plan, BlueCross BlueShield, and UnitedHealthcare. SCAN specifically earned a 4.0-star CMS rating for 2026, and every SCAN plan receives a quality rating of 4 out of 5 or better.

Q4. How does SCAN compare to UnitedHealthcare for Nevada seniors? Both SCAN and UnitedHealthcare offer competitive Medicare Advantage plans in Nevada. SCAN operates as a not-for-profit with 87% of plans at a $0 premium and a 4.0 CMS rating, while UnitedHealthcare is one of the highest-rated providers in the state. The best choice depends on your specific needs, including preferred doctors, prescription medications, and desired benefits. Working with a licensed agent who represents both carriers helps ensure proper comparison.

Q5. When can I enroll in a SCAN Medicare Advantage plan in Las Vegas? You can enroll during the Annual Enrollment Period from October 15 through December 7, with coverage starting January 1. Special Enrollment Periods are available if you’re new to Medicare, move to a new area, lose other coverage, or qualify for Extra Help with prescription costs. There’s also a Medicare Advantage Open Enrollment Period from January 1 through March 31.

How to compare SCAN Medicare against everything else in Clark County

Three questions settle most of it, and they are best asked in this order.

Your doctors first. Check every physician you want to keep against the plan directory, and confirm the medical group as well as the individual name. Southern Nevada plans are often built around a specific medical group, and leaving the group means leaving the plan.

Then your prescriptions. Two plans with an identical premium can differ by thousands of dollars a year once your real drug list is priced against each formulary. Ask about tiers, step therapy and prior authorization before you compare SCAN Medicare on premium alone.

Then the out-of-pocket ceiling. Every Medicare Advantage plan carries an annual maximum; Original Medicare on its own does not. That ceiling is the real protection, and it varies by thousands of dollars across the Clark County market.

The Nevada birthday rule most people never hear about

Calendar showing the Medicare Annual Enrollment Period from 15 October to 7 December, Medicare Advantage Open Enrollment and General Enrollment from 1 January to 31 March, and the seven-month Initial Enrollment Period around your 65th birthday.
The four Medicare enrollment windows

Nevada is one of a small group of states with a Medigap birthday rule, and its version is unusually generous. Since January 1, 2022, an existing Medicare Supplement policyholder gets a window opening on the first day of their birthday month and running at least 60 days.

Inside that window you may switch to a policy with the same or lesser benefits, with your current carrier or a different one, and no medical underwriting applies. The Nevada Division of Insurance confirmed those terms when the rule took effect.

It matters when weighing SCAN Medicare because it applies only to people who already hold a Medigap policy. It is not a route back into Medigap from a Medicare Advantage plan, so the choice you make at 65 is easier to reverse in one direction than the other.

What prescriptions cost in 2026

2026 Medicare costs: Part A premium free with 40 quarters and a $1,736 deductible per benefit period, Part B at $202.90 a month with a $283 deductible, and Part D capped at $2,100 a year with a maximum $615 deductible.
What Medicare costs in 2026

No Part D plan may charge a deductible above $615 this year, and once you have spent $2,100 out of pocket on covered drugs your cost for the rest of the calendar year drops to zero. The Medicare Prescription Payment Plan lets you spread that amount across monthly installments.

Those rules apply to every Part D policy, standalone or bundled, so they change the arithmetic on SCAN Medicare exactly as they do on every competitor. What still varies is the formulary.

If your income is limited, Extra Help through Social Security can cut premiums and copays substantially. Many people who qualify never apply, and checking costs nothing.

Check SCAN Medicare independently

Never take an agency’s word for how a plan performs, ours included. Each of these is free and sells nothing.

Or call (877) 808-2900 and we will compare SCAN Medicare against every other plan available at your address, at no cost and with no obligation.

References