More Plan Options
The average New Mexico senior compares three or more plan options before making an enrollment decision.
How-To Enroll in a Medicare Advantage Plan in Cibola County
Most people living in New Mexico, age 65 and older, qualify to enroll in Medicare Advantage. An exception is a disqualifying illness, such as End-Stage Renal Disease (ESRD).
You can join or switch plans during a Medicare Election Period. For most people, the Annual Election Period (AEP), which starts on 15 October and ends 7 December, is the time they update their enrollment.
There's also an Individual Election Period (IEP) that you can use once. Your IEP is a 90 day period around your 65th birthday. It starts the month before you turn 65 and ends the month after.
You can get enrolled three ways:
- Call a plan directly. If you know the plan you want, this way is quick and easy.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
- Use an independent New Mexico insurance agent. This is the best way to go if you need someone to help advise you.
Medigap vs. Medicare Advantage, Which is Better in Cibola County, NM?
Medicare Advantage is one way to get full coverage healthcare. However, many people feel that Medicare Advantage plans in Cibola County are bad. So, you have the option to keep your Original Medicare benefits and upgrade your coverage with New Mexico Medicare supplement insurance (Medigap) and a New Mexico Medicare Part D plan (PDP) for help with prescription medications.
If you're not familiar with Medigap policies, and how they protect you from medical care liability, please review our Medicare supplements directory, where you can learn about and compare Medigap plans. All Medigap plans are standardized. That means you can choose the plan you need based on the best price without worrying about the benefits.
Medicare SNP Plans Available in Cibola County, NM
MedicareWire has a special directory for Cibola County, New Mexico Special Needs Plans. Although managed under the Medicare Advantage program, SNP plans are designed specifically for three types of people:
- Beneficiaries in a nursing home or receiving skilled nursing care at home;
- Beneficiaries with both Medicare and Medicaid benefits; and
- Beneficiaries with certain chronic health conditions.
Cibola County, NM Medicare Advantage Plan Availability
The 13 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Bluewater, Casa Blanca, Cubero, Grants, Milan, Laguna, New Laguna, Paguate, San Fidel, San Rafael, Fence Lake, Pinehill, and all other locations in Cibola County, New Mexico. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).