Original Medicare in Las Cruces, New Mexico, helps lower the price of specific healthcare services. However, Original Medicare doesn’t cover all your treatments, leaving you with pricey medical bills that can take a toll on your finances.
That’s why many citizens purchase a Las Cruces, New Mexico, Supplemental Medicare plan to fill holes within their Original Medicare policy.
Medicare plans in Las Cruces, New Mexico
Las Cruces, New Mexico, Medicare beneficiaries can add supplemental Medicare plans to prevent them from paying out of pocket for healthcare services not covered by Original Medicare. They cover the costs of dental, vision, hearing, and other healthcare services that you’d otherwise have to pay yourself.
We based the following information on 65-year-old male enrollees.
Medicare Advantage plans
There are 26 different Supplemental Medicare plans to choose from that can make your healthcare expenses less costly. Below are a few Las Cruces, New Mexico Medicare Advantage plans.
Humana carries four-star local PPO (Preferred Provider Organization) plan types with zero-dollar premiums and a $4,400 MOOP (Maximum Out-of-Pocket). These plans include prescription drug coverage, offering a $0 deductible on Tier 1, 2, and 3 drugs. There’s also a $0 copay for in-network doctor visits.
Blue Cross Blue Shield offers HMO (Health Maintenance Organization) Supplemental Medicare plans without premiums and a $4,500 MOOP. These plans offer $0 copays for in-network doctor visits. They also have a $150 deductible on Tier 4 and 5 drugs.
Molina Healthcare provides three-star HMO Supplemental Medicare plans with zero-dollar premiums and a $7,550 MOOP. These plans offer a $0 medical deductible. They also come with a $125 deductible on Tier 1 drugs.
The average cost of Medicare Advantage plans in Las Cruces, New Mexico
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $4,400 | LOCAL PPO | 4 |
| UnitedHealthcare | $0 | $3,900 | LOCAL PPO | 4 |
| Blue Cross Blue Shield | $0 | $4,500 | HMO | 3 |
| Wellcare | $0 | $4,400 | HMO | N/A |
| Molina Healthcare | $0 | $7,550 | HMO | 3 |
Medicare Supplemental plans
Medicare Supplement plans make certain medical treatments and services more affordable by reducing their overall costs. The US government standardizes these plans nationwide, preventing coverage from changing among private insurance providers, regions, and states. However, the monthly premiums often differ from carrier to carrier, zip code to zip code, and state to state.
Medigap Plan F offers the most comprehensive coverage, making it one of the most popular Las Cruces, New Mexico, Medicare Supplemental plans currently available. Premiums range from $129 to $407.50. Plan F offers the most comprehensive coverage, including the Part B deductible.
Medigap Plan G is another popular plan due to its affordability and immense coverage. Monthly premiums cost between $105.33 to $379.43. However, it doesn’t cover the Part B deductible.
Medigap Plan HDG provides similar benefits as Medigap Plan G but with lower monthly premiums. Beneficiaries pay $28.35 to $55.95 monthly. While the deductible is high with this plan, it covers 100% of the costs when the coverage does kick in.
The average cost of Medicare Supplement plans in Las Cruces, New Mexico
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $86.00 | $340.43 |
| PLAN B | $133.33 | $340.00 |
| PLAN C | $124.00 | $404.50 |
| PLAN D | $98.38 | $194.24 |
| PLAN F | $129.00 | $407.50 |
| PLAN HDF | $30.00 | $81.13 |
| PLAN G | $105.33 | $379.43 |
| PLAN HDG | $28.35 | $55.95 |
| PLAN K | $43.75 | $110.50 |
| PLAN L | $66.42 | $218.25 |
| PLAN M | $103.95 | $234.16 |
| PLAN N | $78.91 | $371.37 |
Medicare Part D prescription drug plans
Unfortunately, only a handful of Medicare Advantage plans include prescription drug coverage, and no Medigap plans cover medications. Many Las Cruces residents enroll in an independent Medicare Part D plan to make pharmaceuticals more economical. You can buy a Las Cruces, New Mexico Medicare Part D plan by contacting your local private insurance provider.
Aetna carries three-star Medicare Part D plans with $7.60 premiums and a $480 annual deductible. These Medicare Part D plans are the most affordable currently available in Las Cruces. They offer a $0 deductible on Tier 1 prescription drugs.
UnitedHealthcare’s Medicare Part D plans have a four-star rating, $29.40 premiums, and $310 deductibles. That deductible shrinks to $0 for Tier 1 drugs. Beneficiaries are only responsible for 40% of drug costs at maximum using a Preferred Pharmacy.
Elixir sells three-star Medicare Part D plans with $31.40 premiums and a $480 deductible. Copays start low with these plans, coming in at just $1 for Tier 1 drugs. At maximum, beneficiaries only have to pay 29% of drug costs.
The average cost of Medicare Part D plans in Las Cruces, New Mexico
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.60 | $480 | 3 |
| Wellcare | $8.70 | $480 | 3 |
| Humana | $22.70 | $480 | 4 |
| UnitedHealthcare | $29.40 | $310 | 4 |
| Elixir | $31.40 | $480 | 3 |
Special Needs plans
SNPs, commonly called Special Needs Plans, are a subsection of Medicare Advantage plans specifically designed for residents with disabling conditions and mental deficiencies. However, Special Needs Plans are only available in specific zip codes, so contact your local private insurance provider to check the availability in your region.
WellCare carries HMO Special Needs Plans with zero-dollar premiums and a $3,450 MOOP. Beneficiaries must enroll in Medicare and Medicaid to qualify (dual eligibility). These plans cover Parts A, B, and D, covering prescription drugs.
Blue Cross Blue Shield offers residents dual eligibility local PPO SNPs with $6.30 premiums and a $4,550 MOOP. The insurance carrier also offers HMO Special Needs Plans with $34.30 monthly premiums and a $7,550 MOOP to dual-eligible enrollees. For those who qualify for the Extra Help program, there are $0 copays on many prescription drugs.
Presbyterian Health also provides HMO SNPs with $34.30 premiums and a $7,550 MOOP. Beneficiaries must have Medicaid and Medicare coverage to enroll. These plans also offer chiropractor and transportation benefits.
The average cost of Medicare Special Needs plans in Las Cruces, New Mexico
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,450 | HMO | Dual |
| UnitedHealthcare | $6.30 | $7,550 | LOCAL PPO | Chronic/Disabling |
| Blue Cross Blue Shield | $18.30 | $7,550 | LOCAL PPO | Dual |
| Blue Cross Blue Shield | $34.30 | $7,550 | HMO | Dual |
| Presbyterian Health | $34.30 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in Las Cruces
Medigap.com takes the stress out of signing up for Las Cruces, New Mexico Supplemental Medicare by finding the best policy for you.
We guide you through enrollment and work with Las Cruces’ top insurance carriers to uncover the perfect policy for your healthcare needs.
Call us or fill out our online rate form to connect with the best rates in Las Cruces, New Mexico, Medicare plans today!
