Medicare Advantage Plans in Luna County, NM:
Your Complete 2025 Guide
Medicare Advantage Plans in Luna County, NM:
Your Complete 2025 Guide
With 20 Medicare Advantage plans available in Luna County, New Mexico for 2025, you can choose from a variety of options that go beyond Original Medicare. Many plans also include valuable extras like vision, dental, and wellness benefits.
Browse the plans below, or get personalized help by calling 877-388-0596 (TTY 711) to speak with a licensed HealthCompare agent.
Types of Medicare Advantage Plans in Luna County, NM
With 20 Medicare Advantage plans available in Luna County for 2025, you have a range of options to choose from. However, there are no 5-star plans available this year. Here’s a breakdown of your choices:
- Preferred Provider Organization (PPO) Plans: These plans (17 available) offer flexibility with out-of-network care at a higher cost. The average premium for these plans is $27.47.
- Health Maintenance Organization (HMO) Plans: These plans (2 available) require in-network care and generally have lower costs. The average premium for these plans is $0.00.
- Private Fee-for-Service (PFFS) Plans: These plans (1 available) let you see any Medicare-approved provider who accepts the plan’s terms. The average premium for these plans is $60.00.
- Special Needs Plans (SNP): These are highly specialized Medicare Advantage plans for individuals with special healthcare needs. We organize this plans here: Luna County, NM Medicare Special Needs Plans.
Preferred Provider Organization (PPO) Medicare Advantage Plans
Preferred Provider Organization (PPO) plans offer flexibility by allowing you to see both in-network and out-of-network providers. These plans often have higher costs for out-of-network care but provide more options for those who want greater freedom in choosing their healthcare providers.
Medicare Advantage PPO Plan Options
Plan Name | Rating | Premium | MOOP | Rx Ded. |
---|---|---|---|---|
Humana USAA Honor | $0 | $4,900 | N/A | |
HumanaChoice H5216-077 | $0 | $3,900 | N/A | |
HumanaChoice H5216-137 | $0 | $7,350 | $500 | |
HumanaChoice H5216-196 | $0 | $4,900 | $0 | |
HumanaChoice H5216-223 | $34 | $4,900 | $0 | |
HumanaChoice H5216-341 | $29 | $3,900 | $0 | |
AARP Medicare Advantage from UHC EP-0001 | $0 | $3,800 | $0 | |
AARP Medicare Advantage from UHC EP-0002 | $0 | $7,500 | $300 | |
AARP Medicare Advantage from UHC EP-0003 | $0 | $4,900 | $0 | |
Blue Cross Medicare Advantage Choice Premier | $0 | $3,900 | $0 | |
Blue Cross Medicare Advantage Dental Premier | $0 | $7,550 | $545 | |
Blue Cross Medicare Advantage Flex Access | $197 | $0 | $545 | |
Blue Cross Medicare Advantage Health Choice | $0 | $4,900 | $545 | |
Blue Cross Medicare Advantage Saver Plus | $0 | $6,000 | $545 | |
Presbyterian MediCare PPO Plan 1 | $43 | $6,950 | N/A | |
Presbyterian MediCare PPO Plan 2 with Rx | $164 | $6,000 | $500 | |
Wellcare No Premium Open | $0 | $6,350 | $300 |
Factors to Consider When Choosing a PPO Plan
- Out-of-Network Costs: PPO plans allow you to see out-of-network providers, but this flexibility often comes with higher costs. Be sure to evaluate how much extra you'll need to pay if you prefer to see providers outside of the plan's network.
- Provider Network: Make sure your preferred doctors and specialists are in the plan's network to keep your costs lower. If you value the ability to choose providers freely, confirm the plan's network coverage meets your needs.
- Premiums and Out-of-Pocket Maximums: Compare the monthly premiums and out-of-pocket maximums across plans. Higher premiums might offer more coverage, but consider whether the additional benefits justify the cost for your situation.
- Additional Benefits: Many PPO plans offer extras like dental, vision, and wellness programs. Assess which additional benefits matter most to you and how they align with your healthcare needs.
Ready to explore your Medicare Advantage options further? Speak with a licensed HealthCompare agent today at 1-877-388-0596 (TTY 711).
Health Maintenance Organization (HMO) Medicare Advantage Plans
Health Maintenance Organization (HMO) plans typically require you to use in-network providers for your care. These plans often have lower out-of-pocket costs and premiums, making them a cost-effective option for those who don't mind a more limited provider network.
Medicare Advantage HMO Plan Options
Plan Name | Rating | Premium | MOOP | Rx Ded. |
---|---|---|---|---|
Blue Cross Medicare Advantage Select | $0 | $3,900 | $0 | |
Wellcare No Premium | $0 | $3,650 | $150 |
Factors to Consider When Choosing an HMO Plan
- In-Network Care: HMO plans generally require you to use in-network providers for all non-emergency care. Be sure to verify that your preferred doctors, specialists, and hospitals are in the plan’s network before enrolling.
- Primary Care Referrals: Many HMO plans require you to get a referral from your primary care doctor before seeing a specialist. Make sure you’re comfortable with this system of care coordination.
- Lower Costs: HMO plans typically offer lower premiums and out-of-pocket costs compared to other plan types, making them an attractive option for those who prioritize cost savings.
- Additional Benefits: Some HMO plans include extra benefits like dental, vision, and wellness programs. Consider which additional benefits are most important to you when comparing plans.
Ready to explore your Medicare Advantage options further? Speak with a licensed HealthCompare agent today at 1-877-388-0596 (TTY 711).
Private Fee-for-Service (PFFS) Medicare Advantage Plans
Private Fee-for-Service (PFFS) plans give you the freedom to visit any Medicare-approved provider who agrees to the plan’s terms. While these plans offer flexibility, it’s important to check that your preferred healthcare providers are willing to accept the plan.
Medicare Advantage PFFS Plan Options
Plan Name | Rating | Premium | MOOP | Rx Ded. |
---|---|---|---|---|
Humana Gold Choice H8145-123 | $60 | $300 |
Factors to Consider When Choosing a PFFS Plan
- Provider Agreement: PFFS plans allow you to see any Medicare-approved provider, but only if the provider agrees to the plan’s payment terms. Always confirm that your preferred providers accept the plan before enrolling.
- Flexibility vs. Costs: While PFFS plans offer greater flexibility in choosing providers, they may come with higher out-of-pocket costs compared to other plan types. Make sure to compare costs carefully.
- No Network Requirements: PFFS plans don’t require you to stay within a network of providers, offering more freedom. However, this also means that fewer providers may accept the plan.
- Additional Benefits: Some PFFS plans include extra benefits such as dental, vision, and wellness programs. Consider which additional benefits are important to you when comparing plans.
Ready to explore your Medicare Advantage options further? Speak with a licensed HealthCompare agent today at 1-877-388-0596 (TTY 711).
How and When to Enroll in a Medicare Advantage Plan
Choosing a Medicare Advantage Plan in Luna County requires knowing the right time to enroll. Whether it’s your first time enrolling in Medicare or you’re switching plans, understanding the different enrollment periods will help you get the right coverage for your health needs.
When to Enroll
- Initial Enrollment Period (IEP): Enroll in Medicare during this period, which starts three months before your 65th birthday and ends three months after. This is your first opportunity to select a Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): From January 1 to March 31, you can switch your Medicare Advantage plan or return to Original Medicare if your current plan no longer suits you. Learn more
- Annual Enrollment Period (AEP): Occurring annually from October 15 to December 7, this period allows you to adjust your Medicare coverage for the upcoming year. Learn more
- Special Enrollment Periods (SEPs): If certain life events, such as moving or losing coverage, apply to you, you may qualify for a Special Enrollment Period to make changes to your plan. Learn more
How to Enroll
- Talk to a Licensed Agent: Call 1-877-388-0596 (TTY 711) to speak with a licensed HealthCompare agent for expert assistance with your enrollment.
- Enroll Directly with the Plan Provider: Contact your chosen plan provider online or by phone to complete your enrollment.
- Visit Medicare.gov: Compare plans and enroll through the official Medicare website at Medicare.gov.
Your Medicare Advantage Questions Answered
What is Medicare Advantage, and how does it work?
Medicare Advantage (Part C) is an alternative to Original Medicare that bundles Medicare Part A (hospital insurance) and Part B (medical insurance) into one plan. These plans are offered by private insurance companies and often include additional benefits like dental, vision, and prescription drug coverage.
What are the benefits of choosing a Medicare Advantage plan?
Medicare Advantage plans often provide extra benefits not covered by Original Medicare, such as dental, vision, and hearing services. Additionally, these plans may include prescription drug coverage and have lower out-of-pocket costs compared to Original Medicare.
Can I switch between Medicare Advantage and Original Medicare?
Yes, you can switch between Medicare Advantage and Original Medicare during certain enrollment periods, such as the Annual Enrollment Period (AEP) or the Medicare Advantage Open Enrollment Period (MA OEP). Special Enrollment Periods (SEPs) may also allow changes under specific circumstances.
Medicare Advantage Enrollment: Your Questions Answered
What happens if I’m already enrolled in a Medicare Advantage plan and want to switch?
If you want to switch your Medicare Advantage plan, you can do so during the Annual Enrollment Period (AEP) from October 15 to December 7, or during the Medicare Advantage Open Enrollment Period (MA OEP) from January 1 to March 31. Special Enrollment Periods (SEPs) may also apply in certain circumstances.
Can I enroll in a Medicare Advantage plan if I have pre-existing conditions?
Yes, you can enroll in a Medicare Advantage plan even if you have pre-existing conditions. Medicare Advantage plans cannot deny you coverage or charge you more based on your health status.
How do I qualify for a Special Enrollment Period?
You may qualify for a Special Enrollment Period (SEP) if you experience certain life events, such as moving to a new area, losing other health coverage, or becoming eligible for Medicaid. SEPs allow you to make changes to your Medicare Advantage plan outside of the standard enrollment periods.
Plan Availability
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Columbus, Deming, and all other areas of Luna County, New Mexico.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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