More Plan Options
The average New Mexico senior compares three or more plan options before making an enrollment decision.
Getting Enrolled in a Medicare Advantage Plan in Rio Arriba County
Most New Mexico seniors qualify to join a Medicare Advantage plan. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
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).
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 Rio Arriba County, NM?
Medicare Advantage is one way to get full coverage healthcare. However, many people feel that Medicare Advantage plans in Rio Arriba 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 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 Rio Arriba County, NM
MedicareWire has a special directory for Rio Arriba 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.
Rio Arriba County, NM Medicare Advantage Plan Availability
The 19 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Coyote, Gallina, Lindrith, Youngsville, Abiquiu, Alcalde, Canjilon, Canones, Cebolla, Chama, Chimayo, Cordova, Dixon, Dulce, El Rito, Embudo, Espanola, Hernandez, La Madera, Medanales, Los Ojos, Petaca, Ohkay Owingeh, Tierra Amarilla, Truchas, Vallecitos, Velarde, and all other locations in Rio Arriba County, New Mexico. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).