New Mexico Medicare Advantage and Senior Health Programs (NM)
The original Medicare Plan is a pay-per-visit health plan that allows a beneficiary to all healthcare providers that accept Medicare nationwide. However, there are some costs, referred to as coverage "gaps" that are not covered. This is why Medigap began to be offered. However, in terms of potential comprehensive coverage, the Medicare Advantage plan can become preferable to Medigap.
When enrolled in an Medicare Advantage plan, however, the Medigap policy that may be in force will be automatically nullified; in other words, deductibles, co-payments and other cost-sharing mechanisms under Medigap is superseded by the Medicare Advantage plan. However, once the Medigap policy is dropped, eligibility for re-enrolling will only occur under special circumstances. Dropping an existing Medigap enrollment is not compulsory, even with a co-existing Medicare Advantage plan.
Plan Information For NM
Residents of New Mexico may choose from at least 52 plan in at least some parts of the state. Among these are Medicare Advantage plans with prescription drug coverage added as an option for Medicare members in January 2006, known as Plan C and Plan D* options. Some may charge a monthly premium; others such as:
- Evercare Plan MP [H3209 - 003]
- Lovelace Senior Plan -- Standard Plan [H3251 - 002]
- SecureHorizons MedicareDirect Rx Plan 53 [H5435 - 023]
Each of these plans listed require no additional monthly premium.
Providers for Medicare plans available in New Mexico1:
Lovelace Insurance Company
Physicians Health Choice
* You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call:
1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7 days a week;
The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call, 1-800-325-0778; or Your State Medicaid Office