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 Los Alamos 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).
There are several different Medicare Election Periods. This is when you can join or change your plan. Most people wait until 15 October to 7 December to make enrollment changes. This is the Annual Election Period (AEP).
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.
Original Medicare + Medigap vs. a Los Alamos County Medicare Advantage Plan
If you are worried that an HMO or PPO plan will try to limit your care, or that these plans are bad, Medicare Advantage is not the only way to get full coverage in Los Alamos County. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a New Mexico Medicare Part D Plan (prescriptions) and a New Mexico Medigap plan (supplemental Medicare insurance).
If you are not aware of the benefits of a Medicare Supplement, and how it pays the big medical bills from an extended illness or hospital stay, check out our Medigap directory and compare Medicare supplement plans in your area. All Medicare supplements are standardized and regulated. That means you can go with the lowest cost policy and get all of the same benefits.
Medicare SNP Plans Available in Los Alamos County, NM
MedicareWire has a special directory for Los Alamos 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.
Los Alamos County, NM Medicare Advantage Plan Availability
The 11 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Los Alamos, and all other locations in Los Alamos County, New Mexico. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).