Santa Fe, New Mexico residents have numerous Medicare available for enrollment. Because the federal government standardizes Medicare Parts A and B, they cost the same in every state.
While these plans provide many benefits, they can leave some members with gaps in coverage that need supplementing.
Medicare plans in Santa Fe, New Mexico
Members living in Santa Fe, New Mexico, could experience a gap in coverage due to Medicare Parts A and B. Sante Fe, Mexico, Original Medicare doesn’t provide members with prescription drug coverage, which can become very expensive to pay out of pocket.
Supplemental Medicare plans can provide members with additional coverage for low monthly premiums.
Medicare Advantage
Medicare Advantage, also known as Plan C, has wide availability across the United States, and the benefits remain the same while the prices vary depending on your location.
A Sante Fe, Mexico Medicare Advantage plan can add extra Medicare coverage for its residents. Santa Fe, New Mexico, located in Santa Fe County, has 44 Medicare Advantage plans.
Aetna (Local PPO) has a three-star customer rating and a $0 monthly premium. This plan has a maximum out-of-pocket (MOOP) of $5,000. Aetna has an extensive provider network for members to visit.
Humana (Local PPO) has a four-star member rating and no monthly premium. Humana has a MOOP cost of $4,400. These plans include prescription drug coverage, offering a $0 deductible on Tier 1, 2, and 3 drugs.
UnitedHealthcare (Local PPO) also has a four-star rating and a $0 monthly premium. The MOOP for this plan costs $4,300. UnitedHealthcare has an extensive provider network, making it an extremely appealing plan.
Blue Cross Blue Shield (Local PPO) has a four-star customer rating and a $0 monthly premium. The MOOP expense for this plan costs $6,000. These plans offer $0 copays for in-network doctor visits.
The average cost of Medicare Advantage plans in Sante Fe, New Mexico
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $4,400 | LOCAL PPO | 4 |
| Molina Healthcare | $0 | $7,550 | HMO | 3 |
| Blue Cross Blue Shield | $0 | $6,000 | LOCAL PPO | 4 |
| UnitedHealthcare | $0 | $4,300 | LOCAL PPO | 4 |
| Aetna | $0 | $5,000 | LOCAL PPO | 3 |
Medicare Supplement plans
Medigap plan benefits stay the same in every state because the federal government standardizes supplemental Medicare. However, the price can change depending on your location and the number of available plans in your area.
For members residing in Santa Fe, New Mexico, finding the most affordable Medicare Supplement plans can be easy with our chart below.
Plan F can be the most encompassing Medigap plan because it does not require deductibles or copayments. However, Plan F has high monthly premiums. They range from $113.04 to $361.00.
Plan G provides members in Santa Fe, New Mexico, Medicare Supplement coverage at a slightly lower premium. This premium ranges from $92 to $336.07. However, it doesn’t cover the Part B deductible.
Plan N has lower monthly premiums, ranging from $68.61 to $329.14. However, Plan N requires a deductible and some copayments for medical services. It doesn’t cover the Part B deductible or excess charges.
The average cost of Medicare Supplement plans in Sante Fe, New Mexico
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $78.00 | $306.50 |
| PLAN B | $116.00 | $301.00 |
| PLAN C | $112.00 | $358.75 |
| PLAN D | $89.44 | $168.99 |
| PLAN F | $113.04 | $361.00 |
| PLAN HDF | $26.00 | $70.31 |
| PLAN G | $92.00 | $336.07 |
| PLAN HDG | $25.77 | $50.52 |
| PLAN K | $38.56 | $97.75 |
| PLAN L | $57.75 | $196.54 |
| PLAN M | $94.80 | $210.86 |
| PLAN N | $68.61 | $329.14 |
Medicare Part D prescription drug plans
Original Medicare does not cover prescription medication expenses. While several of the best Medicare Advantage plans cover prescriptions, most Medigap plans don’t. Santa Fe, New Mexico Medicare Part D provides members with prescription coverage for a low monthly premium.
Aetna has the lowest monthly premium of $7.60, with a deductible of $480. This plan has a three-star member rating. It offers a $0 deductible on Tier 1 prescription drugs.
Humana has a four-star customer rating and a deductible of $480. The monthly premium for a plan with Humana costs $22.70. This deductible shrinks to $0 for Tier 1 and 2 drugs.
UnitedHealthcare also has a four-star member rating. This plan has a monthly premium of $29.40 and a deductible of $310. That deductible shrinks to $0 for Tier 1 drugs.
The average cost of Medicare Part D plans in Sante Fe, 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
Medicare Special Needs Plans (SNPs) give extra coverage to Santa Fe, New Mexico residents who have a disability or chronic illnesses. SNPs belong under a Medicare Advantage plan for people with special needs. These plans are not available in every area.
Wellcare (HMO) SNP has a dual eligibility requirement and a $0 monthly premium. This plan has a MOOP of $3,450. These plans cover Parts A, B, and D, covering prescription drugs.
Blue Cross Blue Shield (Local PPO) has dual eligibility and a premium of $18.30. The MOOP for this SNP costs $7,550. For those who qualify for the Extra Help program, there are $0 copays on many prescription drugs.
Presbyterian Health (HMO) requires dual eligibility and a MOOP expense of $7,550. The premium for this plan costs $34.30 per month. The annual medical deductible is $233.00.
The average cost of Medicare Special Needs plans in Sante Fe, New Mexico
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,450 | HMO | Dual |
| Amerigroup | $0 | $6,700 | HMO | Chronic/Disabling |
| UnitedHealthcare | $4.20 | $7,550 | LOCAL PPO | Chronic/Disabling |
| Blue Cross Blue Shield | $18.30 | $7,550 | LOCAL PPO | Dual |
| Presbyterian Health | $34.30 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in Santa Fe
Santa Fe, New Mexico, Medicare members seeking supplemental coverage will enjoy our free services. Our professional team will work closely with you to fully understand your unique needs and budget.
We work closely with all nationwide Medicare carriers and local providers, supplying you with the most attainable opportunities.
Call or fill out our online rate form to get rates in Santa Fe.
