More Plan Options
The average New Mexico senior compares three or more plan options before making an enrollment decision.
Who Can Enroll in Medicare Advantage in Luna County?
If you are age 65 or older, you most likely qualify to enroll in a New Mexico Medicare Advantage plan available in your county. If you have End-Stage Renal Disease (ESRD), you will need to stay on Original Medicare.
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.
Most of us also get an Individual Election Period (IEP), but it only comes around once. Your IEP is based on your 65th birthday. It starts the month before and ends the month after, so you have plenty of time.
To get enrolled:
- 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 Luna 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 Luna 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).
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 Luna County, NM
MedicareWire has a special directory for Luna 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.
Luna 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 Columbus, Deming, and all other locations in Luna County, New Mexico. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).