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Sign up for Medicare in Fernley, NV

Local licensed agents in Lyon County are available to assist you if you need help comparing plans or registering for Medicare insurance.

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Original Medicare

Original Medicare (Part A) covers most medically necessary services.

Medicare Supplement

Medigap plans provide additional insurance for out of pocket costs.

Medicare Advantage

A bundled alternative to Original Medicare for your health and drug coverage.

Not sure what Medicare plan is right for you?

Original Medicare Plans in Fernley, NV
(Part A & Part B)

Medicare is a healthcare program that provides coverage for individuals who are eligible for it and those who are currently receiving treatment at a medical facility. It is a fee-for service plan that the federal government is managing.

Since 1965, Medicare has been composed of two parts: the Medicare Part A and the Medicare Part B. For over 50 years, the program has been able to provide coverage for individuals with disabilities and seniors.

With the help of Medicare, people can bypass the need for a referral or authorization when they go to the doctor or hospital of their choice. The government will then pay the cost of the service, and the individual will only be responsible for the remaining left-over funds.

Medicare Supplement Plans in Fernley, NV
(Medigap Insurance)

A Medicare supplement is a type of insurance - also known as Medigap insurance - that covers some of the healthcare costs that the original Medicare leaves behind. It can help people fill their coverage gaps. Unlike regular Medicare, it does not require them to pay a huge amount of out-of-pocket expenses.

Since the federal government has standardized the benefits of Medicare supplement plans, they are now uniform across all insurance companies in the country. Before people start looking for a new plan, it is important to familiarize themselves with the pricing methods of the carriers.

Your carrier's pricing method can affect the monthly premium rates of your Medicare supplement plan. It is also important to note that if you have a spouse who needs coverage, then they must purchase a separate policy.

Medicare Advantage Plans in Fernley, NV
(Medicare Part C)

Medicare Part C is a type of insurance that is offered by a private company and assumes the risk associated with your original Medicare. This means that it becomes your primary source of coverage instead of Medicare Part B and Part A.

Medicare Advantage plans are also known as Medicare Part C plans. These provide various benefits, such as gym memberships, vision, dental, and prescription drug coverage. Some plans even have an OTC card that allows beneficiaries to shop for over-the-counter medications.

Medicare is a type of healthcare system that consists of two main components: Medicare Part A and Part B. With a Medicare Part C plan, you can choose from a variety of healthcare options and still get the same benefits as both Medicare Part A and B.

Medicare Part D Plans in Fernley, NV
(Perscription Drug)

Part D prescription drug plans are commonly used by Medicare beneficiaries to lower the cost of their medications. These plans are designed to provide coverage for the lowest possible cost.

One of the most challenging aspects of Medicare is understanding the various levels of coverage that a prescription drug plan provides.

One of the most common types of coverage that Medicare provides is its prescription drug plan, known as Medicare Part D. This is different from the Medicare Supplement plans that are designed to cover the gaps in the Original Medicare. If you have Medicare Part A but are not yet enrolled in Medicare Part B, you can still enroll in the program through Medicare Part D.

Fernley, NV Medicare Supplement Insurance Plan Comparison

First, decide between Traditional Medicare (which covers Parts A and B) and a private insurance's Medicare Advantage (known as Part C). If you go with Traditional Medicare, you'll probably also need a Medigap insurance to cover extra costs and a Part D plan for prescription drugs.

Medicare Advantage Plans: Age 65, Zipcode 89408, Non-smoker*
Plan Type Number of Plans Available Average Monthly Premium Lowest Monthly Premium Highest Monthly Premium Carriers
$0 OOP Medicare Advantage Plans 24 $0.00 $0.00 $0.00 Prominence Health Plan, Champion Health Plan, Humana
Paid Medicare Advantage Plans 10 $61.99 $2.70 $139.20 Champion Health Plan, Wellcare, Humana

*Plan data last updated on 1/15/2026

Most Popular Medigap Plans: Female, Age 65, Zipcode 89408, Non-smoker*
Plan Type Number of Plans Available Average Monthly Premium Lowest Monthly Premium Highest Monthly Premium Carriers
Plan F 22 $220.07 $143.90 $452.34 Omaha Insurance Company, Physicians Select, Insurance Company of North America, and 19 others
Plan G 22 $180.39 $119.47 $363.60 Omaha Insurance Company, Physicians Select, Insurance Company of North America, and 19 others
Plan N 21 $140.94 $87.51 $279.91 Omaha Insurance Company, Insurance Company of North America, State Farm, and 18 others

*Plan data last updated on 1/15/2026

Most Popular Medigap Plans: Male, Age 65, Zipcode 89408, Non-smoker*
Plan Type Number of Plans Available Average Monthly Premium Lowest Monthly Premium Highest Monthly Premium Carriers
Plan F 22 $244.86 $165.49 $506.55 Omaha Insurance Company, Physicians Select, Insurance Company of North America, and 19 others
Plan G 22 $200.38 $137.39 $407.30 Omaha Insurance Company, Physicians Select, Insurance Company of North America, and 19 others
Plan N 21 $156.71 $100.63 $313.49 Omaha Insurance Company, Insurance Company of North America, State Farm, and 18 others

*Plan data last updated on 1/15/2026

Disclaimer: The information provided in these tables is for general informational purposes only. We make no guarantees about the accuracy, completeness, or reliability of the data. Please consult with a professional advisor or insurance provider for precise and up-to-date information.

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Robb Anglesey Medicare Agent
Robb Anglesey

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Fernley, NV Medicare Resource Center

Fernley Medicare Information

Are you turning 65 or already a Medicare beneficiary in Fernley, NV? MedicareSignups.com can help you compare plans specific to your area to find the best coverage for your needs. Did you know that Fernley is home to the largest industrial park in Northern Nevada, housing over 70 businesses? It's also located just a short drive from the historic Virginia City, known for its rich silver mining history and bustling saloons. Don't forget that while Medicare is a national program, plan options and costs can vary from state to state and even from zip code to zip code. So, be sure to explore your local options and enroll in the plan that best fits your needs.

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Comparing Fernley, NV Medicare Plans: A Step-By-Step Financial Checklist
Medicare Basics

Comparing Fernley, NV Medicare Plans: A Step-By-Step Financial Checklist

Preventive Services Covered by Medicare in Fernley, NV
The Medicare System

Preventive Services Covered by Medicare in Fernley, NV

Medicare Supplement Plan G vs Plan N in Fernley, NV
Medicare Supplement

Medicare Supplement Plan G vs Plan N in Fernley, NV

Who is eligible for Medicare Advantage in Fernley, NV?
Medicare Advantage

Who is eligible for Medicare Advantage in Fernley, NV?

Fernley, NV Local Medicare Offices

Nevada Official State Health Insurance Assistant Program

Nevada's official state SHIP program is the State Health Insurance Assistance Program (SHIP). SHIP provides information, counseling, and assistance to Medicare Beneficiaries Nevada involving a statewide network of volunteers. SHIP Volunteers offer FREE one-on-one assistance and counseling with respect to many problems seniors encounter regarding Medicare, supplemental health insurance, and long-term care options.

Visit the Official Website »

Local Fernley, NV SHIP program official resource.

State Health Insurance Assistance Program (SHIP) is the official Nevada state program that is dedicated to helping seniors living in Fernley, NV with Medicare information, as well as an abundance of other resources for seniors.