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 Lea 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 Lea County, NM?
Medicare Advantage is one way to get full coverage healthcare. However, many people feel that Medicare Advantage plans in Lea 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.
A Medicare supplement policy protects you from big medical bills and helps you lower the total annual cost of your healthcare. See our directory of supplemental plans to compare supplemental Medicare insurance available in your area. The good news is that all supplemental insurance is standardized, offering you the luxury to buy the coverage you need based on the lowest price.
Medicare SNP Plans Available in Lea County, NM
MedicareWire has a special directory for Lea 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.
Lea County, NM Medicare Advantage Plan Availability
The 9 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Crossroads, Caprock, Eunice, Hobbs, Jal, Lovington, Mcdonald, Maljamar, Monument, Tatum, and all other locations in Lea County, New Mexico. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).