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 Otero 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 are only allowed to join, drop or change plans during a Medicare Election Period. The period between 15 October and 7 December is the Annual Election Period (AEP). That's when most folks make changes to their Medicare.
You also have an Individual Election Period (IEP). Your IEP begins the month before your 65th birthday, includes your birth month, and continues the month after your birth month.
There are three ways to enroll:
- 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 Otero County, NM?
Medicare Advantage is one way to get full coverage healthcare. However, many people feel that Medicare Advantage plans in Otero 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 Otero County, NM
MedicareWire has a special directory for Otero 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.
Otero 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 Alamogordo, Bent, Cloudcroft, High Rolls Mountain Park, Holloman Air Force Base, La Luz, Mayhill, Mescalero, Orogrande, Pinon, Sacramento, Sunspot, Timberon, Tularosa, Weed, and all other locations in Otero County, New Mexico. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).