Haris Ashley
Medicare is the federal health insurance program for people aged 65 and over. Those under 65 may also be eligible if they have a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig's Disease). Signing up for Medicare can be done online, via phone, or by contacting your Social Security Office. If you live in Nevada, you can contact Nevada Medicare to get your Medicare moved over, including any Medicaid benefits and EBT. You can also enroll in a stand-alone Medicare Prescription Drug Plan that can be added to your Original Medicare (Part A and Part B) coverage.
| Characteristics | Values |
|---|---|
| Medicare eligibility | People aged 65 or older, people with a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig's disease) |
| Enrollment options | Online via Social Security Administration, over the phone |
| Medicare Parts | A (Hospital Insurance), B (Medical Insurance), D (Prescription Drug Plan) |
| Medicare Advantage | Bundles Parts A and B with Part D and supplemental coverage |
| Medigap Plans | Help with deductibles, copays, coinsurance, and out-of-pocket maximums |
| Medicare in Nevada | Part A covers hospital expenses, Part B covers medical expenses, Part D covers prescription drugs |
| Additional benefits | Dental, Vision, Hearing, Gym & Over-the-Counter |
| Nevada Medicaid | Access Nevada, with a questionnaire to determine eligibility |
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What You'll Learn
Medicare Part A and Part B
Medicare Part A
Medicare Part A covers hospital-related expenses, including hospital stays, home or skilled nursing, and hospice care. Individuals aged 65 or older are eligible for Part A if they or their spouse worked and paid Medicare taxes for at least 10 years. Those who have received retirement benefits from Social Security or the Railroad Retirement Board for at least 24 months are also eligible. Additionally, individuals with End-Stage Renal Disease or Lou Gehrig's Disease are eligible regardless of age.
Medicare Part B
Medicare Part B covers other medical expenses, including doctor's visits and outpatient care. Individuals who are 65 or older and have paid Medicare taxes for at least 10 years are eligible for Part B. Similar to Part A, those who have received Social Security or Railroad Retirement Board benefits for 24 months are also eligible. Individuals with Lou Gehrig's Disease are eligible for Part B immediately upon enrolling in Social Security disability benefits.
Enrollment Process
To apply for Medicare Part A and Part B in Nevada, individuals can enroll online with the Social Security Administration or contact their local Social Security Office. It is important to note that Medicare Part A and Part B have associated deductibles, copays, and coinsurance responsibilities, even if an individual does not pay monthly premiums. As such, many individuals choose to add Medigap coverage from private insurance companies to help with these additional costs.
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Applying for Medicare online
Medicare is health insurance for people aged 65 or older, but some people below this age bracket can get Medicare if they have a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig's disease). Signing up for Medicare can be done online, by phone, or by mail. This guide will focus on applying for Medicare online.
Initial Enrollment Period
Your first chance to sign up for Medicare is during your Initial Enrollment Period (IEP). This is a seven-month window that includes the month of your 65th birthday and the three months before and after it. If you don't sign up for Part B during your IEP, you might have to pay a monthly late enrollment penalty.
Medicare Parts
Original Medicare is provided by the federal government and is made up of two parts: Part A (hospital insurance) and Part B (medical insurance). You can get Part A automatically if you start receiving benefits from Social Security or the Railroad Retirement Board. If you want to add Part B, you need to sign up for it. Part D can be added to Original Medicare to cover prescription drug expenses.
Medicare Advantage
Medicare Advantage (Part C) is health insurance that combines Medicare benefits with private health insurance. It typically includes Original Medicare (Parts A and B) and a Medicare Prescription Drug Plan (Part D). In Nevada, Medicare Advantage may also include additional benefits like dental and vision coverage.
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Medicare Advantage plans
Before enrolling in a Medicare Advantage Plan, it is essential to consider various factors. These include understanding the plan's costs, deductibles, copays, and coinsurance to ensure affordability. Additionally, verifying whether preferred medical providers are within the plan's network and if prescriptions are covered is crucial.
To learn more about Medicare Advantage Plans in Nevada, individuals can contact Nevada Medicare at 702-840-1111 or visit their official website. It is recommended to compare multiple plans and review their star ratings to make an informed decision about which plan best suits one's needs.
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Medicare Part B penalty fees
If you don't sign up for Medicare during your Initial Enrollment Period, you may have to pay a late enrollment penalty. The Part B penalty is 10% for each 12-month period you delay signing up, and you'll have to pay this penalty for twice the number of years you delayed enrolling. For example, if you delayed enrolling in Part B for seven years and didn't have employer insurance, your monthly premium would be 70% higher for as long as you have Medicare (7 years x 10%).
You can avoid the Part B penalty if you qualify for a Special Enrollment Period. This is an eight-month window beginning when your employer coverage ends. If you have creditable drug coverage or qualify for the Part D Low-Income Subsidy (Extra Help), you won't have to pay a late enrollment penalty.
The Part B penalty is usually charged for as long as you have that type of coverage, which is a lifetime penalty for most people. However, if you are enrolled in Medicare due to a disability and pay premium penalties, you will no longer have to pay the penalty once you turn 65.
The Part D late enrollment penalty is calculated by multiplying 1% by the "national base beneficiary premium" ($36.78 in 2025) for each full month you delayed enrolling and didn't have creditable drug coverage. This penalty amount is added to your monthly premium for as long as you have Medicare drug coverage, even if you switch plans.
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Medicare for under 65s
In Nevada, Medicare is available to people over 65 and to younger adults with certain disabilities or chronic diseases. About 9% of Medicare beneficiaries in the state, or roughly 53,000 people, are under 65 and eligible for Medicare due to a disability.
If you are under 65 and living with certain disabilities or a chronic health condition such as end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS), you may be eligible for Medicare. You can use Medicare’s online eligibility tool to determine your eligibility. If you qualify for Social Security benefits or Railroad Retirement Board benefits, you will likely be automatically enrolled in Medicare when you meet the eligibility criteria. For those not automatically enrolled, the initial enrollment period starts three months before your birth month and ends three months afterward, giving you time to research coverage options and find a suitable plan.
Medicare Advantage plan offerings in Nevada vary by county. To research plans in your area, you can enter your zip code into an online Medicare search tool. Medicare Advantage plans include Medicare Part A, Part B, and Part D (prescription drug coverage), as well as a large provider network in Nevada. Additional plan benefits may include dental, vision, hearing, gym, and over-the-counter coverage.
Medicare supplemental insurance, or Medigap, helps cover out-of-pocket costs for Parts A and B. These plans are offered through private insurance providers, and you can buy a Medigap policy to fill in the "gaps" in Original Medicare Plan coverage. Medigap policies help pay some of the healthcare costs that the Original Medicare Plan does not cover. However, you cannot have Medigap and a Medicare Advantage plan at the same time. It is important to consider your healthcare costs and needs each year to determine the best plan for you.
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Frequently asked questions
Medicare is a federal health insurance program for people who are 65 and over. If you are under 65, you may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig's Disease).
You can apply for Medicare online at Social Security. You'll need to create a secure my Social Security account to sign up for Medicare or apply for benefits. You can also call Nevada Medicare to get help with your application and to move over your Medicare, Medicaid Benefits, and EBT.
Medicare Part A is insurance for hospitalization, home or skilled nursing, and hospice. You get Medicare Part A automatically if you’re 65 and above and are receiving retirement benefits from Social Security. Medicare Part B is medical insurance, and you need to sign up for it.
Medicare Advantage plans include Medicare Part A, Medicare Part B, and Part D (prescription drug coverage), as well as a large provider network in Nevada. Additional plan benefits may include Dental, Vision, Hearing, Gym & Over-the-Counter.
