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 Torrance 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.
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.
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.
Medicare Advantage vs. Original Medicare with a New Mexico Supplement
If you are concerned that a Torrance County Medicare Advantage plan could be bad, inconvenient or limit your services, there is another way to get full coverage and lower your out-of-pocket costs. A New Mexico Medicare supplement (Medigap) and a New Mexico Medicare prescription drug plan (Part D) work hand-in-hand with your Original Medicare to give you the best coverage possible.
If you're not familiar with Medigap policies, and how they protect you from medical care liability, please review our Medicare supplements directory, where you can learn about and compare Medigap plans. All Medigap plans are standardized. That means you can choose the plan you need based on the best price without worrying about the benefits.
Medicare SNP Plans Available in Torrance County, NM
MedicareWire has a special directory for Torrance 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.
Torrance County, NM Medicare Advantage Plan Availability
The 24 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Cedarvale, Estancia, Mcintosh, Moriarty, Mountainair, Torreon, Willard, Clines Corners, Encino, and all other locations in Torrance County, New Mexico. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).