Thank you for being our valued member! We are here to help make your transition to Medicare simple and seamless. It’s easy to do when you stay with a name you already know and trust.

The Benefit of Blue

Medicare Advantage Plans

As a member, you know you can expect a high level of service and coverage from Blue Cross and Blue Shield of New Mexico. Our affordable all-in-one Medicare Advantage plans are no different. No matter which you choose, you’ll get all the coverage of Original Medicare, plus extra health and wellness benefits, and prescription drug coverage.

Blue Cross Medicare Advantage (HMO) ^SM Plans – our most affordable option

• Usually have low or $0 monthly premiums
• Your care is handled by one primary care provider (PCP) that you select
• Offer extra health and wellness benefits such as vision, dental, hearing, fitness and more
• May be required to get a referral from your primary care physician prior to visiting a specialist
• Include drug coverage
• Medicare Advantage plans may offer a preloaded flexible spending card to help reduce your out-of-pocket expenses for covered dental, vision, and hearing services. It's the easy way to pay for healthcare without having to pay cash up-front.

Blue Cross Medicare Advantage Dual Care Plus (HMO SNP) ^SM and Blue Cross Medicare Advantage Dual Care Plus Preferred (PPO SNP) ^SM - Special Needs Plans for those Eligible for Medicare and Medicaid

Here are some important things to consider before choosing Blue Cross Medicare Advantage Dual Care Plus (HMO SNP) (PPO SNP).

SNP has certain requirements that will apply to the plan.

Explore eligible counties for our Blue Cross Medicare Advantage Dual Care Plus (HMO SNP) Plan and review the plan benefits and built-in drug coverage.

For more information

Blue Cross Medicare Advantage (PPO) ^SM Plans – plan options that offer more flexibility

• Offer a suite of PPO options
• Keep your costs lower when you use in-network providers
• Provide the freedom to see doctors, hospitals and providers outside of the plan's network, no referrals needed, but you may pay higher copays and coinsurance
• Offer extra health and wellness benefits such as vision, dental, hearing, fitness and more
• Options include an open-access plan allowing the flexibility to see doctors, hospitals, and providers inside or outside of the plan's network with no copays or coinsurance for medical services
• Include drug coverage
• Plans may include a Part B Premium Reduction benefit. This benefit reduces the Medicare Part B premium that you pay the Social Security Administration either monthly or quarterly, depending on how you pay your Part B premium.
• Medicare Advantage plans may offer a preloaded flexible spending card to help reduce your out-of-pocket expenses for covered dental, vision, and hearing services. It's the easy way to pay for healthcare without having to pay cash up-front

Medicare Supplement Insurance Plans

Medicare Supplement Insurance Plans help offer protection from the out-of-pockets costs not covered by Original Medicare.

With Original Medicare, your copays, deductibles and other out-of-pocket costs can really add up. Our Medicare Supplement Insurance plans can help fill the gaps that Original Medicare does not cover, while giving you the freedom to see any doctor and use any hospital that accepts Medicare, nationwide.

Extra Health and Wellness Benefits

Blue Medicare Supplement Insurance^SM Plans offer benefits above and beyond standard insurance benefits. Here are some of the extra health and wellness programs offered with our plans.

• Hearing and vision coverage
• Access to 24/7 Nurseline
• Telehealth if your provider offers it
  
  

  ** Not all benefits are available on all Medicare Supplement Insurance Plans. Extra Health and Wellness Benefits are not a part of the policy, may be discontinued at any time and may be subject to geographic availability.

Explore our Premium Discounts

A Blue Cross and Blue Shield of New Mexico (BCBSNM) Medicare Supplement premium discount may be available. Eligibility criteria are described below. If you are eligible for a discount, the discount will be applied to your next bill and remain in effect as long as you are enrolled in your BCBSNM Medicare Supplement Plan. Discounts cannot be combined; only one type of discount per member is permitted.

Household Discount

You may be eligible for a discount if you reside with a spouse or civil union/domestic partner or have resided with as many as three adults age 60 or older for the last 12 months. Applies to BCBSNM Medicare Supplement policies issued with an effective date on or after May 1, 2019.

Continue With Blue ^SM Discount

You may be eligible for a discount if you enrolled in a BCBSNM Medicare Supplement policy issued with an effective date on or after April 1, 2022 and you were enrolled in a Blue Cross and Blue Shield commercial group or individual health insurance coverage plan and that coverage was within one year of your BCBSNM Medicare Supplement policy becoming effective.

Blue Family Discount ^SM

You may be eligible for a discount if you enrolled in a BCBSNM Medicare Supplement policy issued with an effective date on or after April 1, 2024 and you meet the criteria for both the Household Discount AND the Continue with Blue Discount.

Prescription Drug Coverage

Original Medicare and Medicare Supplement plans do not include prescription drug coverage. For this important coverage, Medicare works with insurance carriers to offer Part D, which is a standalone prescription drug plan.

Whether you have many prescriptions or just a few, Blue Cross and Blue Shield of New Mexico offers Part D prescription drug plans that work for your budget. We have a variety of plans to fit different prescription drug needs, all with large nationwide pharmacy networks.