Residents in Roswell, New Mexico, have numerous Medicare plans available. Medicare Parts A and B cost the same regardless of where you live and offer members the same benefits.
A supplemental plan can give members the coverage they need that Medicare Parts A and B don’t provide.
Medicare plans in Roswell, New Mexico
Residents living in Roswell, New Mexico, with Medicare may experience gaps in their coverage. For example, Medicare Parts A and B don’t provide members with prescription medication coverage. Supplemental Medicare plans provide beneficiaries extra benefits to cover their unique medical care needs.
Medicare Advantage plans
A Medicare Advantage plan provides members living in Roswell, New Mexico, extra benefits to their Original Medicare plan. Medicare Advantage, or Plan C, has hundreds of options available in the United States, but only specific programs become available to members depending on where they live. Roswell, New Mexico has 21 Medicare Advantage plans available for residents.
UnitedHealthcare (Local PPO) has a four-star customer rating with a $0 monthly premium. The maximum out-of-pocket (MOOP) amount to $4,300. This plan offers some prescription drug coverage.
Blue Cross Blue Shield (Local PPO) also has a four-star customer satisfaction rating and a premium of $0. The MOOP expense for Blue Cross Blue Shield costs $6,000 per year. These plans offer $0 copays for in-network doctor visits. They also have a $150 deductible on Tier 4 and 5 drugs.
Humana (Local PPO), another plan with a four-star rating, has a $0 monthly premium. Humana can be one of the more expensive plans, with a $7,550 MOOP amount. This plan includes 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.
The average cost of Medicare Advantage plans in Roswell, New Mexico
PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
$0 | $4,300 | LOCAL PPO | 4 | |
Molina Healthcare | $0 | $7,550 | HMO | 3 |
Blue Cross Blue Shield | $0 | $6,000 | LOCAL PPO | 4 |
Wellcare | $0 | $5,000 | LOCAL PPO | N/A |
Humana | $0 | $7,550 | LOCAL PPO | 4 |
Medicare Supplement plans
Because the federal government standardized Medigap plans across the United States, the benefits remain the same regardless of where you live.
The monthly premium and the number of available plans in your area provide the most significant differences. For Roswell, New Mexico members, you can find the cheapest Medicare supplemental plans below.
Plan F gives members coverage without deductibles, making it a popular choice. However, Plan F has a high premium. The premium ranges from $135.86 to $421.16.
Plan G compares to Plan F but has a deductible. After meeting this deductible, Roswell, New Mexico, members will not need to pay out of pocket for medical expenses covered by Medicare. The premium can be slightly lower than Plan F, ranging from $112.93 to $379.43.
Plan N provides members in Roswell, New Mexico, Medicare Supplement coverage at an affordable price. Plan N does have more out-of-pocket expenses in the form of copayments and a deductible to meet. For Plan N, the premiums range from $89.25 to $371.37.
The average cost of Medicare Supplement plans in Roswell, New Mexico
LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
PLAN A | $98.00 | $416.72 |
PLAN B | $145.92 | $340.00 |
PLAN C | $144.00 | $404.50 |
PLAN D | $109.90 | $236.00 |
PLAN F | $135.86 | $421.16 |
PLAN HDF | $39.00 | $90.71 |
PLAN G | $112.93 | $379.43 |
PLAN HDG | $32.04 | $69.19 |
PLAN K | $48.25 | $134.00 |
PLAN L | $70.33 | $260.06 |
PLAN M | $153.93 | $291.47 |
PLAN N | $89.25 | $371.37 |
Medicare Part D prescription drug plans
Original Medicare does not provide coverage for prescription medication expenses. Many Part D plans in Roswell, New Mexico, can give Medicare members the prescription coverage they need for a low monthly premium. Medigap does not cover prescription costs, while several Medicare Advantage plans may cover a portion.
Humana provides Plan D members with prescription coverage for $22.70 per month. Humana has a four-star rating and a deductible of $480. This deductible shrinks to $0 for Tier 1 and 2 drugs. Drug copays are also relatively low, starting at just $10.
also has a four-star customer rating. has a lower deductible of $310 and a monthly premium of $29.40. That deductible shrinks to $0 for Tier 1 drugs. Beneficiaries are only responsible for 40% of drug costs at maximum using a Preferred Pharmacy.
Aetna has the lowest monthly premium of $7.60. Aetna has a three-star customer rating and a deductible of $480. These Medicare Part D plans are the most affordable currently available in Roswell. They offer a $0 deductible on Tier 1 prescription drugs.
The average cost of Medicare Part D plans in Roswell, New Mexico
PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
Aetna | $7.60 | $480 | 3 |
Wellcare | $8.70 | $480 | 3 |
Humana | $22.70 | $480 | 4 |
$29.40 | $310 | 4 | |
Elixir | $31.40 | $480 | 3 |
Special Needs plans
Medicare Special Needs Plans (SNPs) provide additional coverage to members with chronic disabilities or special needs. SNPs fall under Medicare Advantage and enjoy the same benefits. These plans may not be available in all areas.
Wellcare (HMO) provides members additional coverage for a $0 monthly premium. This plan has dual eligibility and has a MOOP expense of $3,450. These plans cover Parts A, B, and D, which also covers prescription drugs.
A Blue Cross Blue Shield (Local PPO) plan has dual eligibility and a MOOP amount of $7,550. The monthly premium will cost $18.30 for Roswell, New Mexico, residents needing extra Medicare coverage. For those who qualify for the Extra Help program, there are $0 copays on many prescription drugs.
Presbyterian Health (HMO) has dual eligibility with a MOOP cost of $7,550. This plan has a monthly premium of $28.40. The annual medical deductible is $233.00.
The average cost of Medicare Special Needs plans in Roswell, New Mexico
PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
Wellcare | $0 | $3,450 | HMO | Dual |
Blue Cross Blue Shield | $18.30 | $7,550 | LOCAL PPO | Dual |
$20.00 | $7,550 | LOCAL PPO | Chronic/Disabling | |
Presbyterian Health | $28.40 | $7,550 | HMO | Dual |
Blue Cross Blue Shield | $34.30 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in Roswell
Roswell, New Mexico, residents looking for supplemental Medicare will benefit from our complimentary assistance. Medigap works closely with all national and local Medicare carriers, providing you with the most options possible.
Our expert team will take the time to fully understand your specific medical needs and recommend the right supplemental Medicare plan for you. So give us a call or fill out our online request form today.