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.

Roswell, New Mexico Supplemental Medicare Plans

Residents living in Roswell, New Mexico, with Medicare may experience gaps in their coverage. For example, Medicare Parts A and B do not provide members with prescription medication coverage. Supplemental Medicare plans provide beneficiaries extra benefits to cover their unique medical care needs.

Average Medicare Advantage Plans in Roswell, New Mexico

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 plans become available to members depending on where they live. Roswell, New Mexico, resides in Chaves County and 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) amounts 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.

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $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

Cheapest Medicare Supplement Plans in Roswell, NM

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 members residing in Roswell, New Mexico, 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, members in Roswell, New Mexico, 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, supplemental Medicare coverage. 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.

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

Affordable Medicare Part D in Roswell, NM

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. The copays for drugs are also relatively low, starting at just $10.

UnitedHealthcare also has a four-star customer rating. UnitedHealthcare has a lower deductible of $310 and a monthly premium of $29.40. That deductible shrinks to $0 for Tier 1 drugs. Using a Preferred Pharmacy, beneficiaries are only responsible for 40% of drug costs at maximum.

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.

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 Roswell, NM

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, meaning they also cover 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.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Dual
Blue Cross Blue Shield $18.30 $7,550 LOCAL PPO Dual
UnitedHealthcare $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

FAQs

Is Medicare Advantage based on income in Roswell, NM?

A member’s income does not determine Medicare Advantage premiums. However, it may if your Medicare Advantage plan doesn’t cover Part B premiums. Your income determines Part B premium costs.

Can you switch back to Medicare from the Medicare Advantage plan in Roswell, NM?

Members living in Roswell, New Mexico, can switch from Medicare Advantage to Original Medicare. You must contact your current provider to cancel your Medicare Advantage plan. You can contact Medicare to enroll in a new Original Medicare plan.

Do Medicare Advantage plans have deductibles in Roswell, NM?

Depending on the specific plan, members in Roswell, New Mexico, may have a deductible under Medicare Advantage. Most Medicare Advantage PPO plans do not have deductible requirements.

Who qualifies for Medigap in Roswell, NM?

Seniors 65 years old living in Roswell, New Mexico, currently enrolled in Medicare Parts A and B qualify for Medigap. You can register during the first six months after you turn 65.

Can I add Part D anytime in Roswell, NM?

Yes. All Medicare members living in Roswell, New Mexico, have access to Part D Medicare plans. About 21 Medicare Part D plans provide residents in New Mexico with prescription coverage.

How to Sign Up for Supplemental Medicare 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 today

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.