What can differ by plan?
- Provider and facility networks
- Premiums, deductibles, copayments, and coinsurance
- Maximum out-of-pocket limits for covered Part A and Part B services
- Prescription formularies and pharmacy networks
- Referral and prior-authorization requirements
- Extra benefits and the rules for using them
Plan availability is local
Plans and service areas can vary by county and ZIP code. A plan available to someone in Las Vegas may not be available to a person in another Nevada county. Benefits and costs can change from one plan year to the next.
Before enrolling
Confirm that your providers and prescriptions are covered for the plan year, review the Evidence of Coverage and Summary of Benefits, and understand what happens when you receive care outside the network.
No automatic right plan: A low premium or added benefit does not establish that a plan is the right fit. Provider access, drug coverage, total cost exposure, and plan rules matter.
Official sources: Medicare.gov plan types and Medicare Plan Compare.