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.

Las Cruces, New Mexico Supplemental Medicare Plans

Las Cruces, New Mexico Supplemental Medicare plans prevent you 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.

Cheapest Medicare Advantage Plans in Las Cruces, New Mexico

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 Supplemental Medicare 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.

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

Average Medicare Supplemental Plans in Las Cruces, New Mexico

Medicare Supplement plans make certain medical treatments and services more affordable by reducing their overall costs. The U.S. 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, when the coverage does kick in, it covers 100% of costs.

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

Affordable Medicare Part D in Las Cruces, NM

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 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. Using a Preferred Pharmacy, beneficiaries are only responsible for 40% of drug costs at maximum.

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.

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

Medicare Special Needs Plans in Las Cruces, NM

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, meaning they also cover prescription drugs.

Blue Cross Blue Shield offers residents with 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.

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

FAQs

When do I sign up for Medicare in Las Cruces, NM?

Most Las Cruces residents become eligible for Medicare when they turn 65. The Medicare enrollment period begins three months before your 65th birthday and ends three months after. Failing to enroll during the enrollment period often results in penalty fees.

Do you still pay Medicare Part B With an Advantage Plan in Las Cruces, NM?

Yes. After enrolling in a Las Cruces, New Mexico Medicare Advantage plan, you must pay your Medicare Part B premiums. Your income often determines your Part B premiums. However, Social Security recipients usually pay cheaper premiums than other beneficiaries.

Can Medigap charge more for pre-existing conditions in Las Cruces, NM?

No. Insurance providers can’t charge enrollees more or deny coverage if they have a pre-existing condition.

What happens if I refuse Medicare Part D in Las Cruces, NM?

Las Cruces residents that don’t enroll in Medicare Part D during the enrollment period must pay a fine for each month they don’t have coverage.

The penalty is usually 1% of the nation’s average monthly premium price. Registering for Medicare Part D as soon as you become eligible is crucial to avoid costly fees and penalties.

Do Medigap premiums increase with age in Las Cruces, NM?

Private insurance providers determine monthly premiums using one of the following rating systems.

  • Community-rated (no age-rated)
  • Issue-age-rated (entry age-rated)
  • Attained-age-rated

If your policy is community-rated or issue-age-rated, your premiums won’t increase as you age. However, if the plan is Attained-age-rated, the premiums rise as you age. Research each policy to determine the best plan for your medical needs without exceeding your financial means.

How to Sign Up for Supplemental Medicare 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 the enrollment process and work with Las Cruces’ top insurance carriers to uncover the perfect policy for your healthcare needs.

Give us a call or fill out our online rate form to get connected with the best rates in Las Cruces, New Mexico Supplemental Medicare today!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.