What is Medicare?

Medicare is a health insurance program for:

  • People who are 65 or older,
  • People under age 65 with certain disabilities,
  • People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant, sometimes called ESRD).
  • People who have ALS (Amyotrophic Lateral Sclerosis)

What is Medicare Part A & B and What Does it Cover?

Other Plans that Work with Original Medicare

Original Medicare does not cover all of your medical costs. It only covers about 80 percent of your Medicare- approved benefits. You’ll have to pay out-of-pocket costs for deductibles, coinsurance, and copays.

Plus, Original Medicare doesn’t cover all the healthcare services you may need, such as hearing aid services, routine eye exams, and most outpatient prescription drugs. You have a choice of private health plans, like ATRIO, to help pay those costs and cover other healthcare services. These private health plans are Medicare Advantage or Part C, Medicare Part D prescription drug plans, and Medicare Supplement plans.

When Can I Enroll in a Medicare Advantage Plan?

ATRIO is a Medicare Advantage Plan. If you want to enroll, you must:

  • Be enrolled in both Medicare Part A and Part B (you can check this by referring to your red, white, and blue Medicare card)
  • Live within the plan’s service area
  • Have a valid enrollment period

Turning 65 – Make a Confident Choice

Choosing your Medicare coverage is one of the most important decisions you’ll make and you only have a limited amount of time to do so.

We're proud to provide our fellow Nevadans with the quality coverage they need. Our Medicare experts are available to guide and support you as you continue on your Medicare journey and answer any questions you may have.

Learn More

Understanding Medicare can be confusing! Learn more about the A, B, C, D's of Medicare.

Locate a Meeting

Come to a meeting, ask questions, learn about your options, and our Medicare Advantage plans.

Plan Options

Learn more about ATRIO plans and benefits offered in your service area.

Since 2004, Saint Mary's ATRIO Health Plans has been looking out for the well-being of Nevadans — and now we’re here to help YOU! So whether you're just getting started or already looked at options, request your FREE Medicare Guide to help you make the best decision for your health and lifestyle.

Attend a Meeting

At Saint Mary's ATRIO, we understand that Medicare health insurance can be confusing. Attend one of our upcoming meetings to get your questions answered.

We value the health of our communities and are offering our meetings virtually and in person.

NOTE: No need to register or RSVP for any IN-PERSON meetings. Just show up at the time and location you choose.

Washoe County

For accommodations of persons with special needs at meetings call 1-877-672-8620 (TTY 711)

NEW! 2024 Plan Options

Saint Mary’s ATRIO Health Plans offers Medicare Advantage plans for Nevada in Washoe County. A Medicare beneficiary must live in the service area to be eligible for Saint Mary’s ATRIO Health Plans.

Call us at 888-201-8818 and one of our Licensed Medicare Agents can assist you with any questions or help you complete your enrollment.

Washoe County

2024 Plan Options


Medical + Prescription Drug Plans (PPO)

Choice Rx

En Español


Select Rx

En Español

Medical Only Plan (PPO)


When you choose one of our plans, you get extra benefits that Original Medicare does not cover. Learn more about these benefits:

Low Income Premium Subsidy

If you get extra help from Medicare to help pay for your Medicare prescription drug plan costs, your Saint Mary's ATRIO monthly plan premium and prescription drug copays will be lower than what it would be if you did not get extra help from Medicare. The amount of extra help you get will determine your total monthly plan premium and prescription drug copays as a member of our Plan. See the document available below for the premium and copays amounts you would pay if you received extra help.

2024 Low Income Premium Subsidy

2024 Subsidio a primas de bajos ingresos

Frequently Asked Questions

If your question was not featured below, please contact your local location for more information.

Contact ATRIO Customer Service at 1-877-672-8620 (TTY 711) or visit your local ATRIO office for assistance. You can also send an email to ATRIO Customer service by using the Contact Us form.

You can view the ATRIO Provider Directory. You can utilize our printable directories or our online search tool. If you need assistance in locating a provider, please contact ATRIO Customer Service.

ATRIO does not require members to obtain a referral from their PCP to see a specialist, however some specialists may require a PCP referral before accepting a new patient into their practice. If you are a member of our Special Needs Plan, a prior authorization will be required to see out of network providers.

You can view ATRIO drug formularies here. You can search the formulary to see if your medication is covered. For more information regarding your medication and your cost please contact our ATRIO Customer Service Team at 1-877-672-8620 (TTY 711).

Yes, the shingles vaccine is a covered benefit for members with Part D prescription drug coverage. The new vaccine is covered even if you have already had the old vaccine. You can read more about vaccines here.

Begin by contacting ATRIO Customer Service or stopping by your local ATRIO office. We can work with you to determine if your bill is inaccurate.

If you are seeking care at an approved Medicare provider, you should not be asked to pay for any services at the time of your visit as long as you are receiving “covered services”. If you are uncertain whether or not the services you are seeking are covered, or the provider of your choice does not participate with Medicare, please contact our Customer Service staff prior to your visit.

ATRIO has a Protected Health Information Disclosure Form available. If you do not have access to print this from our website, you can contact ATRIO Customer Service or visit your local ATRIO office to request one. Complete the form to give ATRIO permission to discuss and disclose health information about you to a designated person or persons. This can include talking about your medical claims, bills, appointments, and other health-related information. Another option is to obtain a certified Power of Attorney or other legal document that your legal counsel can provide.

All Medicare contracted health plans are required by the Centers for Medicare Services to use the U.S. Postal Service for certain mailings. You can contact ATRIO Customer Service, or send us an email via our website, to ask to be removed from non-required communications.

Last updated Jun 10, 2024