Q: What is Original Medicare?

Original Medicare , which includes Medicare Part A (hospital coverage) and Medicare Part B (physician/outpatient coverage), is the same in every state. So overall Medicare eligibility in New Mexico and Medicare enrollment in New Mexico both work the same way they do everywhere else. For people who aren't yet receiving Social Security benefits and thus aren't automatically enrolled when they turn 65, the Medicare application in New Mexico is done via the Social Security Administration , as is the case nationwide. But the availability and pricing of Medicare coverage, including Medicare Advantage plans, Medigap plans, and Medicare Part D prescription drug plans, does vary from state to state. Read our guide to Medicare’s open enrollment . Understand the difference between Medigap, Medicare Advantage, and Medicare Part D . Learn about how New Mexico Medicaid can help Medicare beneficiaries with limited income and assets.

Question 1

What additional resources are available for Medicare beneficiaries and their caregivers in New Mexico?

Accepted Answer

You can contact the New Mexico State Health Insurance Assistance Program with questions related to Medicare eligibility in New Mexico and Medicare enrollment in New Mexico.
The New Mexico Office of the Superintendent of Insurance (Russell Toal) can provide assistance and customer service with a variety of insurance-related issues, and they license and oversee the health insurers, brokers, and agents that offer coverage in the state.
The page details how New Mexico Medicaid can provide assistance to Medicare beneficiaries in the state who have limited financial means.

Question 2

What is Original Medicare?

Accepted Answer

Original Medicare, which includes Medicare Part A (hospital coverage) and Medicare Part B (physician/outpatient coverage), is the same in every state. So overall Medicare eligibility in New Mexico and Medicare enrollment in New Mexico both work the same way they do everywhere else. For people who aren't yet receiving Social Security benefits and thus aren't automatically enrolled when they turn 65, the Medicare application in New Mexico is done via the Social Security Administration, as is the case nationwide. But the availability and pricing of Medicare coverage, including Medicare Advantage plans, Medigap plans, and Medicare Part D prescription drug plans, does vary from state to state.

Question 3

What is Medicare Advantage?

Accepted Answer

Medicare Advantage plans are an alternative to Original Medicare. Medicare Advantage plans include all of the healthcare benefits of Original Medicare (albeit with different out-of-pocket costs and typically a much more limited provider network), and many Medicare Advantage plans also include Medicare Part D prescription drug coverage as well as additional benefits like dental and vision coverage.

There are pros and cons to either option, and the right solution is different for each person. Medicare Advantage plan availability varies by county: In Union County, there are only three Medicare Advantage plans from which to choose for 2025 coverage, while several other counties have 30+ plans available.[efn_note]"Medicare Advantage 2025 Spotlight: First Look" KFF.org Nov. 15, 2024[/efn_note] For 2025, the total number of Medicare Advantage plans available in New Mexico is dropping to 62, down from 66 in 2024 (but again, not all plans are available in all areas).[efn_note]"Fact Sheet: Medicare Open Enrollment for 2025" (95) Centers for Medicare & Medicaid Services. Sep. 27, 2024[/efn_note] Nationwide, and in New Mexico, more than a third of all Medicare beneficiaries were enrolled in Medicare Advantage plans as of 2018.[efn_note]Monthly Medicare Enrollment – US (2018).” Centers for Medicare & Medicaid Services Data, May 2018.[/efn_note][efn_note]“Medicare Monthly Enrollment - New Mexico ” Centers for Medicare & Medicaid Services Data, June 2023.[/efn_note] By September 2024, there were 231,911 New Mexico Medicare Advantage beneficiaries with coverage.[efn_note]“Medicare Monthly Enrollment - New Mexico ” Centers for Medicare & Medicaid Services Data. Accessed January, 2025.[/efn_note] The other 49% of New Mexico’s Medicare beneficiaries had Original Medicare as of late 2024.[efn_note]“Medicare Monthly Enrollment - New Mexico ” Centers for Medicare & Medicaid Services Data. Accessed January, 2025.[/efn_note] The Medicare Annual Election Period (October 15 to December 7 each year) allows Medicare beneficiaries the chance to switch between Medicare Advantage and Original Medicare (and add, drop, or switch to a different Medicare Part D prescription drug plan). There is also a Medicare Advantage enrollment window that allows people who are already enrolled in Medicare Advantage plans to switch to a different Medicare Advantage plan or to Original Medicare. This is the Medicare Advantage Open Enrollment Period, which runs from January 1 to March 31. Infographic regarding Medicare Advantage in New Mexico

Infographic regarding Medicare Advantage in New Mexico

Question 4

What are Medigap plans?

Accepted Answer

Original Medicare does not limit out-of-pocket costs, so most enrollees maintain some form of supplemental coverage. Nationwide, more than half of Original Medicare beneficiaries get their Medicare Supplemental coverage through an employer-sponsored plan or Medicaid.[efn_note]Ochieng, Nancy, Gabrielle Clerveau, and Tricia Neuman. “A Snapshot of Sources of Coverage among Medicare Beneficiaries.” Kaiser Family Foundation, August 14, 2023.[/efn_note] But for those who don’t, Medigap policies (also known as Medicare Supplement insurance plans, or Medigap) will pay some or all of the out-of-pocket costs they would otherwise have to pay if they had only Original Medicare. According to America’s Health Insurance Plans (AHIP) analysis, there were 71,380 New Mexico Medicare beneficiaries with Medigap coverage as of December 2022.[efn_note]"The State of Medicare Supplement Coverage" AHIP. May 2024[/efn_note] The New Mexico Office of the Superintendent of Insurance used to maintain a page that listed the state's Medigap insurers, but they removed it in 2019 as it was outdated. They confirmed that they do not currently maintain a listing of Medigap insurers in the state, although filing data is available on SERFF. But Medicare’s Medigap plan finder tool shows all of the insurers that offer Medigap plans; there are 30 separate insurers offering Medigap plans in New Mexico as of 2025.[efn_note] “Explore your Medicare coverage options.” Medicare.gov. Accessed October, 2024.[/efn_note] Although Medigap plans are sold by insurance carriers, the plans are standardized under federal rules, with ten different plan designs (differentiated by letters, A through N). The benefits offered by a particular plan (Plan A, Plan M, etc.) are the same regardless of which insurer sells the plan. However, coverage may vary.[efn_note]“Compare Medigap Plan Benefits.” Medicare.gov. Accessed September 26, 2023.[/efn_note] Unlike other Medicare plan coverage (Medicare Advantage and Medicare Part D prescription drug plans), there is no annual enrollment period window for Medigap plans. Instead, federal rules provide a one-time six-month window when Medigap coverage is guaranteed issue. This window starts when a person is at least 65 and enrolled in Medicare Part B (you must be enrolled in both Medicare Part A and Medicare Part B to buy a Medigap plan). People who aren't yet 65 can enroll in Medicare if they're disabled and have been receiving disability benefits for at least two years; about 11% of New Mexico Medicare beneficiaries are under age 65.[efn_note]“Medicare Monthly Enrollment - New Mexico ” Centers for Medicare & Medicaid Services Data. Accessed January, 2025.[/efn_note] Federal rules do not guarantee access to Medigap plans for people who are under 65. Although the majority of the states have taken action to ensure access to Medigap coverage for disabled enrollees, New Mexico is not among them. The New Mexico Office of the Superintendent of Insurance confirmed that Medigap insurers in the state are not required to offer coverage to applicants under the age of 65. But insurers can do so voluntarily. New Mexico is also one of several states where pre-Affordable Care Act (ACA) high-risk pools remain operational, with coverage available to supplement Medicare if the enrollee is unable to obtain Medigap coverage. New Mexico is one of several states where private Medigap insurers are not required to offer plans to people under age 65, but state high-risk pool coverage provides a back-up option. The others are Alaska, Iowa, Nebraska, North Dakota, South Carolina, Washington, and Wyoming. Disabled Medicare beneficiaries have access to the Medigap Open Enrollment Period when they turn 65. At that point, they can enroll in a Medigap plan with the normal premiums that apply to people who are enrolling in Medicare due to age, rather than disability. Disabled Medicare beneficiaries have the option to enroll in a Medicare Advantage plan instead of Original Medicare (this includes people with kidney failure, who were not eligible to enroll in most Medicare Advantage plans prior to 2021). Medicare Advantage monthly plan premiums are not higher for those under 65. But Medicare Advantage plans may have more limited provider networks than Original Medicare, and total out-of-pocket costs can be as high as $9350 in 2025 for in-network care, plus the out-of-pocket cost of prescription drugs.[efn_note]”Final Contract Year (CY) 2025 Standards for Part C Benefits, Bid Review and Evaluation” Centers for Medicare & Medicaid Services. May 6, 2024[/efn_note] Although the Affordable Care Act eliminated pre-existing condition exclusions in most of the private health insurance market, those rules don't apply to Medigap plans. Medigap insurers can impose a pre-existing condition waiting period of up to six months if you didn't have at least six months of continuous coverage prior to your enrollment (although not all of them choose to do so). And if you apply for a Medigap plan after your initial enrollment window closes (assuming you aren't eligible for one of the limited guaranteed-issue rights), the Medigap insurer can consider your medical history in determining whether to accept your application and at what premium.

Question 5

What is Medicare Part D?

Accepted Answer

Original Medicare does not provide coverage for outpatient prescription drugs. More than half of Original Medicare beneficiaries nationwide have supplemental coverage via an employer-sponsored plan (from a current or former employer or spouse’s employer) or Medicaid, and these plans often include prescription coverage.[efn_note]Ochieng, Nancy, Gabrielle Clerveau, and Tricia Neuman. “A Snapshot of Sources of Coverage among Medicare Beneficiaries.” Kaiser Family Foundation, August 14, 2023.[/efn_note] But Medicare beneficiaries who do not have prescription drug coverage through Medicaid or an employer-sponsored plan may need Medicare Part D in order to have coverage for prescription drugs. Medicare Part D can be purchased as a stand-alone Medicare Part D prescription drug plan or integrated with a Medicare Advantage plan. Medicare Part D prescription drug plan was created under the Medicare Modernization Act of 2003, which was signed into law by President George W. Bush. Medicare Part D prescription drug plan enrollment is available when a beneficiary first becomes eligible for Medicare. And the Medicare Annual Election Period each fall (October 15 to December 7) allows beneficiaries the opportunity to change to a different Medicare Part D prescription drug plan or enroll for the first time if they didn’t do so when they were first eligible, albeit with a late enrollment penalty if they didn’t have creditable coverage prior to enrolling. In terms of plan availability, there are 15 stand-alone Medicare Part D prescription drug plans in New Mexico in 2025, with premiums that start at $0 per month.[efn_note]"Fact Sheet: Medicare Open Enrollment for 2025" (95) Centers for Medicare & Medicaid Services. Sep. 27, 2024[/efn_note] A total of 360,751 New Mexico Medicare beneficiaries had Medicare Part D prescription drug coverage as of September 2024.[efn_note]“Medicare Monthly Enrollment - New Mexico ” Centers for Medicare & Medicaid Services Data. Accessed January, 2025.[/efn_note] That included 140,554 with stand-alone Medicare Part D prescription drug plans, and 220,197 with Part D prescription drug coverage integrated with Medicare Advantage.[efn_note]“Medicare Monthly Enrollment - New Mexico ” Centers for Medicare & Medicaid Services Data. Accessed January, 2025.[/efn_note] Infographic regarding Medicare Part D in New Mexico

Infographic regarding Medicare Part D in New Mexico

Question 6

What additional resources are available for Medicare beneficiaries and their caregivers in New Mexico?

Accepted Answer

You can contact the New Mexico State Health Insurance Assistance Program with questions related to Medicare eligibility in New Mexico and Medicare enrollment in New Mexico. The New Mexico Office of the Superintendent of Insurance (Russell Toal) can provide assistance and customer service with a variety of insurance-related issues, and they license and oversee the health insurers, brokers, and agents that offer coverage in the state. The page details how New Mexico Medicaid can provide assistance to Medicare beneficiaries in the state who have limited financial means.

Medicare in New Mexico

In this article

Medicare enrollment in New Mexico

Medicare Advantage plan availability and enrollment in New Mexico

Learn about Medicare plan options in New Mexico by contacting a licensed agent.

Medicare supplement (Medigap) enrollment and regulations in New Mexico

Medicare Part D plan availability and enrollment in New Mexico

What additional resources are available for Medicare beneficiaries and their caregivers in New Mexico?

Looking for more information about other options in your state?

Need help navigating health insurance options in New mexico?

Medicare in New Mexico

In this article

Medicare enrollment in New Mexico

Medicare Advantage plan availability and enrollment in New Mexico

Learn about Medicare plan options in New Mexico by contacting a licensed agent.

Medicare supplement (Medigap) enrollment and regulations in New Mexico

Medicare Part D plan availability and enrollment in New Mexico

What additional resources are available for Medicare beneficiaries and their caregivers in New Mexico?

Learn more about Medicare.

How will the Inflation Reduction Act affect Medicare enrollees?

How to choose between Medicare Advantage, Medigap and Part D

Are there specific steps I should take to prepare for enrollment in Medicare?

Do I need to sign up for Medicare at 65 if I’m still working?

Is there help for me if I can’t afford Medicare’s premiums?

Looking for more information about other options in your state?

Need help navigating health insurance options in New mexico?