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Medicare Plans for Individuals

Medicare health coverage through Blue Cross and Blue Shield of New Mexico includes Medicare Advantage with Prescription Drug plans (MAPD), stand-alone Medicare Prescription Drug Plans (PDP), and Medicare Supplement Insurance Plans.

Producers selling our Medicare products have a large variety of options to share with their clients and a host of marketing and sales tools at the ready when they work with us.

Coberturas Blue Cross Medicare Advantage

Our HMO and PPO plans bundle cost saving and value-added options with Original Medicare benefits. Estos son algunos de los aspectos más destacados de la cobertura.

Blue Cross Medicare Advantage (HMO)SM

  • En general, tienen primas mensuales más bajas o de $0.
  • Member care is handled by one primary care provider (PCP) who knows their health history
  • Member costs will be as low as possible when they see a provider in the network
  • Members may be required to get a referral from their primary care physician prior to visiting a specialist
  • Incluye la cobertura de medicamentos.

Blue Cross Medicare Advantage (PPO)SM

  • Suele tener primas mensuales más altas.
  • Members are not required to select a PCP
  • Members have freedom to use doctors, hospitals, and providers outside of the network but may pay higher copays and coinsurance
  • Members will save money if they use doctors, hospitals, and other health care providers within the plan’s network
  • Incluye la cobertura de medicamentos.

Coberturas Blue Cross MedicareRx

Las coberturas Blue Cross MedicareRx superan a Medicare Original para ofrecer cobertura de medicamentos con receta. Whether your clients have a few prescriptions or a lot, BCBSNM offers plans that can work for their health care needs and budget. A continuación se detallan aspectos destacados de cada cobertura. (Producers must be certified to sell PDP plans.)

Blue Cross MedicareRx Basic (PDP)SM

  • Nationwide Pharmacy Network
  • Annual deductible applies to all Tiers
  • No Gap coverage
  • Narrow Formulary

Blue Cross MedicareRx Choice (PDP)SM

  • Nationwide Pharmacy Network
  • Annual deductible applies to Tiers 3, 4, and 5
  • No Gap coverage
  • Essential Formulary

Blue Cross MedicareRx Value (PDP)SM

  • Nationwide Pharmacy Network
  • Annual deductible applies to Tiers 3, 4, and 5
  • Gap coverage for Tier 1 Only
  • Broad Formulary

Seguros Suplementarios Medicare

BCBSNM offers a wide variety of Medicare Supplement Insurance Plans. Even if your client is covered by Medicare, they may still be responsible for a large portion of their health care costs.

Not only do we offer a variety of Medicare Supplement plans from which to choose, your client may also be eligible for a Continue with BlueSM premium discount or a household discount. 

Más información sobre nuestra iniciativa BCBSNM Medicare Supplement plans and possible discounts.