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Medicare Advantage Plans in New Mexico


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When you enroll – or are automatically enrolled – in Original Medicare, Part A and Part B, be aware that you may have some options about how to get your Medicare coverage in New Mexico.

Many American citizens and qualified legal permanent residents of at least five continuous years are automatically enrolled in Medicare Part A (hospital insurance) and Part B (medical insurance) — most commonly when they turn 65 if they’re already receiving retirement benefits, or when they’ve received Social Security or Railroad Retirement Board disability benefits for 24 straight months (at any age). You may also qualify at any time if you have certain health conditions.

But you don’t have to stay with Original Medicare. You can get those same benefits through a Medicare Advantage plan instead of directly through the government (except hospice care, which Medicare still covers). Medicare Advantage plans often include more benefits, such as routine hearing or vision care, and prescription drug coverage (more on that below).

Medicare Advantage plans are offered by private, Medicare-approved insurance companies.

Medicare Advantage plans with prescription drug coverage in New Mexico

Medicare Part A and Part B don’t include prescription drug coverage, except in limited situations. Medicare Part A may cover prescription drugs you receive as a hospital inpatient, while Medicare Part B may cover certain prescription drugs administered to you as an outpatient (usually drugs you wouldn’t give yourself, such as injections).

Many Medicare Advantage plans come with prescription drug coverage. These plans are called Medicare Advantage Prescription Drug plans. Each of these plans has its own formulary, which is a list of covered drugs. So you might want to make sure any Medicare Advantage Prescription Drug plan you’re considering covers your medications. But do be aware that the formulary may change at any time; you’ll receive notice from your plan when necessary.

No matter which Medicare Advantage plan you sign up for, you still continue to pay your Part B premium, in addition to any premium the plan may charge. You must enroll in Medicare Part A and Part B before you sign up for a Medicare Advantage plan, and you must live within the plan’s service area. There are certain time periods when you can sign up for Medicare Advantage; see enroll in a Medicare Advantage plan for more information.

Comparing Medicare Advantage plans in New Mexico

Medicare Advantage plans may vary in coverage and price, so you may want to research what plans are available in your area, and compare all available plans and the benefits they offer before making a selection. Note also that some monthly Medicare Advantage plan premiums can be as low as $0, but remember that plans may have other costs besides premiums, such as copayments, coinsurance, and deductibles.

You can start comparing Medicare Advantage plans today. Simply enter your zip code above and we will provide you with detailed results of Medicare Advantage plans available to you. You can also include your current prescription medications to help customize your search.

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