Best Las Cruces, New Mexico Medicare Companies & Plans (2024)
Las Cruces, New Mexico Medicare plans include Advantage plans from private health insurance companies as well as standalone Part D prescription drug coverage. For those that prefer original Medicare, Las Cruces, NM supplemental plans are also available. Medicare plans in Las Cruces, New Mexico are sold by both large national companies and local insurers.
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Dani Best
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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
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UPDATED: Feb 2, 2024
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UPDATED: Feb 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Options for Medicare supplement in Las Cruces, New Mexico include Medigap Plan K and Medigap Plan M
- You can buy Medicare supplement coverage in Las Cruces, New Mexico if you have original Medicare and want coverage for out-of-pocket costs
- Las Cruces, NM Medicare options include Advantage, standalone Part D, and Medicare supplement
If you’re eligible for Medicare in Las Cruces, New Mexico, you have a lot of choices. Major health insurance companies provide Las Cruces, New Mexico Medicare Advantage plans with a variety of coverage options to choose from. You can choose a plan that includes Las Cruces, NM Part D coverage or buy prescription coverage as a standalone policy.
Las Cruces, New Mexico Medicare supplement plans are available from a number of companies if you choose to stick with original Medicare. These plans can pay for the out-of-pocket costs that Las Cruces original Medicare plans don’t cover, like coinsurance and deductibles.
Ready to buy Las Cruces, New Mexico Medicare coverage? Enter your ZIP code to compare Las Cruces, NM Medicare options available to you right now.
Medicare Advantage Companies in Las Cruces, New Mexico
Medicare Advantage in Las Cruces, New Mexico is offered by some of the same local health insurance companies you may have been covered by before. Take a look at which companies in Las Cruces, NM offer Medicare Advantage as well as which plans they offer to find the coverage and provider network that’s best for you.
Medicare Advantage Companies in Las Cruces, New Mexico
| Plan Name | Monthly Prem. (Parts C & D) | Deductible | Additional Gap Coverage | Preferred Pharmacy Copay/ Coinsurance 30-Day Supply | MOOP for Part A & B Benefits |
|---|---|---|---|---|---|
| AARP Medicare Advantage Choice (PPO) – H2228-023-0 | $0.00 | $195 . Tier 1, 2 and 3 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $2.00, Generic: $14.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 29% | $3,900 |
| Allwell Dual Medicare (HMO D-SNP) – H2134-001-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $9.00, Preferred Brand: $47.00, Non-Preferred Drug: 45%, Specialty Tier: 25% | n/a |
| Allwell Dual Medicare Harmony (HMO D-SNP) – H2134-003-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $1.00, Generic: $12.00, Preferred Brand: $47.00, Non-Preferred Drug: 48%, Specialty Tier: 25% | n/a |
| Allwell Medicare (HMO) – H2134-005-0 | $0.00 | $125 . Tier 1 and 2 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $9.00, Preferred Brand: $37.00, Non-Preferred Drug: $90.00, Specialty Tier: 30%, Select Care Drugs: $0.00 | $3,450 |
| Allwell Medicare Boost (HMO) – H2134-002-0 | $0.00 | $150 . Tier 1, 2 and 3 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $9.00, Preferred Brand: $37.00, Non-Preferred Drug: $90.00, Specialty Tier: 30%, Select Care Drugs: $0.00 | $7,550 |
| Allwell Medicare Complement (HMO) – H2134-004-0 | $20.80 | $445 . Tier 1 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $2.00, Generic: $12.00, Preferred Brand: $47.00, Non-Preferred Drug: 48%, Specialty Tier: 25% | $3,450 |
| Allwell Medicare Simple (HMO) – H2134-006-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | $4,400 |
| Blue Cross Medicare Advantage Dual Care Plus (HMO D-SNP) – H3251-029-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Tier 1: 15% | n/a |
| Blue Cross Medicare Advantage Select (HMO) – H3251-002-0 | $0.00 | $150 . Tier 1, 2 and 3 exempt | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $13.00, Preferred Brand: $40.00, Non-Preferred Drug: $93.00, Specialty Tier: 30% | $4,500 |
| Humana Gold Choice H8145-123 (PFFS) – H8145-123-0 | $89.00 | $300 . Tier 1 and 2 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $7.00, Generic: $15.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 27% | n/a |
| Humana Honor (PPO) – H5216-213-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | $4,400 |
| Humana Value Plus H5216-199 (PPO) – H5216-199-0 | $28.20 | $435 . Tier 1 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $4.00, Generic: $16.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 25% | $7,550 |
| HumanaChoice H5216-077 (PPO) – H5216-077-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | $4,000 |
| HumanaChoice H5216-137 (PPO) – H5216-137-0 | $0.00 | $445 . Tier 1 and 2 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $7.00, Generic: $17.00, Preferred Brand: $47.00, Non-Preferred Drug: $99.00, Specialty Tier: 25% | $6,700 |
| HumanaChoice H5216-196 (PPO) – H5216-196-1 | $0.00 | $0 | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $5.00, Generic: $12.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 33% | $5,500 |
| Lasso Healthcare Growth (MSA) – H1924-001-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | n/a |
| Lasso Healthcare Growth Plus (MSA) – H1924-004-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | n/a |
| Molina Medicare Choice Care (HMO) – H9082-009-0 | $28.20 | $445 . Tier 1 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $10.00, Preferred Brand: $44.00, Non-Preferred Drug: 37%, Specialty Tier: 25% | $7,550 |
| Molina Medicare Complete Care (HMO D-SNP) – H9082-007-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Tier 1: tbd | n/a |
| Presbyterian Dual Plus (HMO D-SNP) – H3204-013-4 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Tier 1: 15%, Tier 2: 15%, Tier 3: 15%, Tier 4: 15%, Tier 5: 15% | n/a |
| Presbyterian MediCare PPO Plan 1 (PPO) – H3206-003-0 | $56.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | $6,700 |
| Presbyterian MediCare PPO Plan 2 with Rx (PPO) – H3206-001-0 | $188.00 | $335 | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $4.00, Generic: $10.00, Preferred Brand: $45.00, Non-Preferred Drug: $95.00, Specialty Tier: 25% | $6,700 |
| UnitedHealthcare Medicare Advantage Assure (PPO) – H0271-011-0 | $19.70 | $445 | No additional gap coverage, only the Donut Hole Discount | Tier 1: 25%, Tier 2: 25%, Tier 3: 25%, Tier 4: 25%, Tier 5: 25% | $7,550 |
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Medicare Supplement Companies in Las Cruces, New Mexico
Original Medicare leaves you with some out-of-pocket costs such as deductibles and coinsurance. With a Las Cruces, New Mexico Medicare supplement plan, you can get coverage for some or all of those costs. Medicare supplement plans in New Mexico are standardized, but companies can choose which plans they will sell. Take a look at which companies sell Medicare supplement (Medigap) insurance and which plans they offer.
Medicare Supplement Companies in Las Cruces, New Mexico
| Company | Plans |
|---|---|
| AARP – UnitedHealthcare Insurance Company (Level 1) | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan F, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| AARP – UnitedHealthcare Insurance Company (Level 1/Household) | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan F, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| AARP – UnitedHealthcare Insurance Company (Level 2) | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan F, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| AARP – UnitedHealthcare Insurance Company (Level 2/Household) | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan F, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| AARP – UnitedHealthcare Insurance Company (Standard) | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan F, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| AARP – UnitedHealthcare Insurance Company (Standard/Household) | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan F, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| Accendo Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| American Benefit Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| American Continental Insurance Company (Aetna) | Medigap Plan A, Medigap Plan B, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Bankers Fidelity Assurance Company (Preferred) | Medigap Plan A, Medigap Plan F, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan N |
| Bankers Fidelity Assurance Company (Standard) | Medigap Plan A, Medigap Plan F, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan N |
| Blue Cross and Blue Shield of New Mexico | Medigap Plan A, Medigap Plan B, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G-high deductible, Medigap Plan N |
| Capitol Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| Catholic Life Insurance | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| Cigna Health & Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Cigna Health & Life Insurance Company (Standard II w/ 15% HHD) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Cigna Health & Life Insurance Company (Standard II w/ 6% HHD) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Cigna Health & Life Insurance Company (Standard II) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Cigna Health & Life Insurance Company (Standard III w/ 15% HHD) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Cigna Health & Life Insurance Company (Standard III w/ 6% HHD) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Cigna Health & Life Insurance Company (Standard III) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Cigna Health & Life Insurance Company (w/ 15% HHD) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Cigna Health & Life Insurance Company (w/ 6% HHD) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Colonial Penn Life Insurance Company | Medigap Plan A, Medigap Plan B, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan L, Medigap Plan M, Medigap Plan N |
| Colonial Penn Life Insurance Company (Substandard) | Medigap Plan A, Medigap Plan B, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan L, Medigap Plan M, Medigap Plan N |
| Garden State Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G-high deductible, Medigap Plan M, Medigap Plan N |
| Globe Life and Accident Insurance Company (Direct to Consumer) | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G-high deductible, Medigap Plan N |
| Great Southern Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Great Southern Life Insurance Company (Class 1) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Heartland National Life Insurance Company | Medigap Plan A, Medigap Plan N |
| Humana (Humana Insurance Company) | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| Humana (Humana Insurance Company) (Household) | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| Humana Healthy Living (Humana Insurance Company) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan K, Medigap Plan N |
| Humana Healthy Living (Humana Insurance Company) (Household) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan K, Medigap Plan N |
| Humana Value (HumanaDental Insurance Company) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan N |
| Humana Value (HumanaDental Insurance Company) (Household) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan N |
| Lumico Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| Manhattan Life Assurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| Medico Insurance Company | Medigap Plan A, Medigap Plan D, Medigap Plan F |
| Nassau Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| National Guardian Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| National Health Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| National Health Insurance Company (Household) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan N |
| Old Surety Life Insurance Company | Medigap Plan A, Medigap Plan C, Medigap Plan F |
| Omaha Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G-high deductible, Medigap Plan N |
| Philadelphia American Life Insurance Company | Medigap Plan A, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G-high deductible, Medigap Plan N |
| Puritan Life Insurance Company of America | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| Sentinel Security Life Insurance Company | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F |
| Shenandoah Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| Southern Guaranty Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| State Farm Mutual Automobile Insurance Company | Medigap Plan A, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan N |
| Transamerica Life Insurance Company (Direct) | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan K, Medigap Plan L, Medigap Plan M, Medigap Plan N |
| USAA Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| Union Security Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan N |
| United American Insurance Company | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| United Insurance Company of America | Medigap Plan A, Medigap Plan D, Medigap Plan F, Medigap Plan G-high deductible, Medigap Plan N |
| United States Fire Insurance Company | Medigap Plan A, Medigap Plan B, Medigap Plan F, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| WMI Mutual Insurance Company | Medigap Plan A, Medigap Plan C, Medigap Plan F, Medigap Plan N |
Read more: Best New Mexico Medicare Supplement Companies & Plans
Las Cruces, New Mexico Standard Medicare Plan Coverage
Wondering what’s covered by each of the standard New Mexico Medicare supplement plans? Take a look at all of the Las Cruces, New Mexico Medicare supplement plans with coverage details.
Las Cruces, New Mexico Standard Medicare Plan Coverage
| Plan Name | Monthly Cost | Copays Coinsurance | Deductibles | Plan Benefits |
|---|---|---|---|---|
| Medigap Plan A | Premiums range from $72-$779 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $1,484 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: No
Part A deductible: No Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan B | Premiums range from $103-$619 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: No
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan C | Premiums range from $112-$563 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: Yes Part B excess charges: No Foreign travel emergency: Yes |
| Medigap Plan D | Premiums range from $98-$554 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
| Medigap Plan F | Premiums range from $117-$921 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: Yes Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan F-high deductible | Premiums range from $26-$299 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services after you pay $2,370 deductible | $2,370 total plan deductible. After, you pay: $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: Yes Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan G | Premiums range from $97-$759 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan G-high deductible | Premiums range from $26-$153 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services after you pay $2,370 deductible | $2,370 total plan deductible. After, you pay: $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan K | Premiums range from $33-$265 depending on your age, sex, health status, and when you buy. | 10% Generally your cost for approved Part B services up to $6,220. Then, you’ll pay $0 for the rest of the year. | $742 (50% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan L | Premiums range from $61-$551 depending on your age, sex, health status, and when you buy. | 5% Generally your cost for approved Part B services up to $3,110. Then, you’ll pay $0 for the rest of the year. | $371 (25% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan M | Premiums range from $93-$640 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $742 (50% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
| Medigap Plan N | Premiums range from $69-$563 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services with some $20 and $50 copays | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
Standalone Medicare Part D Plans in Las Cruces, New Mexico
Prescription drug coverage for Medicare in Las Cruces, New Mexico is covered by a Part D plan. You can purchase Part D coverage in Las Cruces, New Mexico as a standalone plan if it’s not included in your Medicare Advantage coverage. Take a look at the options for standalone Part D plans here.
Standalone Medicare Part D Plans in Las Cruces, New Mexico
| Plan | Details | Tiers |
|---|---|---|
| SilverScript SmartRx (PDP) S5601 – 201 – 0 by Aetna Medicare |
Monthly Premium: $6.20 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $19.00 Tier 3: $46.00 Tier 4: 49% Tier 5: 25% |
| WellCare Value Script (PDP) S4802 – 159 – 0 by WellCare |
Monthly Premium: $14.30 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $8.00 Tier 3: $43.00 Tier 4: 47% Tier 5: 25% |
| WellCare Wellness Rx (PDP) S4802 – 195 – 0 by WellCare |
Monthly Premium: $14.70 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $4.00 Tier 3: $39.00 Tier 4: 47% Tier 5: 25% |
| Humana Walmart Value Rx Plan (PDP) S5884 – 205 – 0 by Humana |
Monthly Premium: $17.20 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $4.00 Tier 3: 19% Tier 4: 35% Tier 5: 25% |
| AARP MedicareRx Saver Plus (PDP) S5921 – 371 – 0 by UnitedHealthcare |
Monthly Premium: $22.70 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $7.00 Tier 3: $35.00 Tier 4: 40% Tier 5: 25% |
| Cigna Secure Rx (PDP) S5617 – 128 – 0 by Cigna |
Monthly Premium: $22.70 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $7.00 Tier 3: $47.00 Tier 4: 50% Tier 5: 25% |
| WellCare Classic (PDP) S4802 – 090 – 0 by WellCare |
Monthly Premium: $23.00 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: $30.00 Tier 4: 40% Tier 5: 25% |
| WellCare Medicare Rx Select (PDP) S5810 – 303 – 0 by WellCare |
Monthly Premium: $23.10 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $3.00 Tier 3: $47.00 Tier 4: 42% Tier 5: 25% |
| SilverScript Choice (PDP) S5601 – 052 – 0 by Aetna Medicare |
Monthly Premium: $23.30 Annual Deductable: $320 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $5.00 Tier 3: $35.00 Tier 4: 43% Tier 5: 27% |
| Elixir RxPlus (PDP) S7694 – 026 – 0 by Elixir Insurance |
Monthly Premium: $23.90 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $7.00 Tier 3: 15% Tier 4: 26% Tier 5: 25% |
| Cigna Secure-Essential Rx (PDP) S5617 – 305 – 0 by Cigna |
Monthly Premium: $24.00 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: 18% Tier 4: 45% Tier 5: 25% |
| Mutual of Omaha Rx Premier (PDP) S7126 – 095 – 0 by Mutual of Omaha Rx |
Monthly Premium: $25.00 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: 23% Tier 4: 40% Tier 5: 25% |
| Humana Basic Rx Plan (PDP) S5884 – 110 – 0 by Humana |
Monthly Premium: $25.10 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $1.00 Tier 3: 20% Tier 4: 35% Tier 5: 25% |
| WellCare Medicare Rx Saver (PDP) S5810 – 060 – 0 by WellCare |
Monthly Premium: $25.20 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $3.00 Tier 3: $39.00 Tier 4: 40% Tier 5: 25% |
| Express Scripts Medicare – Saver (PDP) S5660 – 242 – 0 by Express Scripts Medicare |
Monthly Premium: $30.40 Annual Deductable: $285 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $2.00 Tier 2: $7.00 Tier 3: $35.00 Tier 4: 50% Tier 5: 28% |
| AARP MedicareRx Walgreens (PDP) S5921 – 407 – 0 by UnitedHealthcare |
Monthly Premium: $33.20 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $6.00 Tier 3: $40.00 Tier 4: 40% Tier 5: 25% |
| Cigna Secure-Extra Rx (PDP) S5617 – 271 – 0 by Cigna |
Monthly Premium: $50.50 Annual Deductable: $100 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes |
Tier 1: $4.00 Tier 2: $10.00 Tier 3: $42.00 Tier 4: 50% Tier 5: 31% |
| Express Scripts Medicare – Value (PDP) S5660 – 128 – 0 by Express Scripts Medicare |
Monthly Premium: $50.60 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $8.00 Tier 3: $47.00 Tier 4: 50% Tier 5: 25% |
| Humana Premier Rx Plan (PDP) S5884 – 172 – 0 by Humana |
Monthly Premium: $61.40 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $4.00 Tier 3: $45.00 Tier 4: 49% Tier 5: 25% |
| SilverScript Plus (PDP) S5601 – 053 – 0 by Aetna Medicare |
Monthly Premium: $62.90 Annual Deductable: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: $47.00 Tier 4: 50% Tier 5: 33% |
| Express Scripts Medicare – Choice (PDP) S5660 – 196 – 0 by Express Scripts Medicare |
Monthly Premium: $65.30 Annual Deductable: $100 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes |
Tier 1: $2.00 Tier 2: $7.00 Tier 3: $42.00 Tier 4: 50% Tier 5: 31% |
| Blue Cross MedicareRx Basic (PDP) S5715 – 013 – 0 by Blue Cross and Blue Shield of New Mexico |
Monthly Premium: $70.60 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $4.00 Tier 3: 12% Tier 4: 42% Tier 5: 25% |
| WellCare Medicare Rx Value Plus (PDP) S5768 – 149 – 0 by WellCare |
Monthly Premium: $76.90 Annual Deductable: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $4.00 Tier 3: $47.00 Tier 4: 44% Tier 5: 33% |
| Mutual of Omaha Rx Plus (PDP) S7126 – 025 – 0 by Mutual of Omaha Rx |
Monthly Premium: $85.00 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: 18% Tier 4: 36% Tier 5: 25% |
| Blue Cross MedicareRx Value (PDP) S5715 – 003 – 0 by Blue Cross and Blue Shield of New Mexico |
Monthly Premium: $88.30 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes |
Tier 1: $0.00 Tier 2: $8.00 Tier 3: $40.00 Tier 4: 38% Tier 5: 25% |
| AARP MedicareRx Preferred (PDP) S5820 – 025 – 0 by UnitedHealthcare |
Monthly Premium: $90.20 Annual Deductable: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $5.00 Tier 2: $10.00 Tier 3: $45.00 Tier 4: 40% Tier 5: 33% |
| Blue Cross MedicareRx Plus (PDP) S5715 – 004 – 0 by Blue Cross and Blue Shield of New Mexico |
Monthly Premium: $136.10 Annual Deductable: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: $30.00 Tier 4: 40% Tier 5: 33% |
Compare Medicare Rates in Las Cruces, New Mexico
If you’re ready to buy Las Cruces, New Mexico Medicare coverage, we’re here to help. Enter your ZIP code to see Medicare rates in Las Cruces, NM and find the coverage that’s right for you.
Frequently Asked Questions
How can I determine the best Medicare company for me in Las Cruces, New Mexico?
To determine the best Medicare company for you in Las Cruces, New Mexico, consider factors such as the company’s reputation, customer service, coverage options, network of healthcare providers, prescription drug coverage, and costs. You can review online resources, consult with insurance professionals, and seek recommendations from trusted sources to make an informed decision.
What are the most popular Medicare plans in Las Cruces, New Mexico?
The popularity of Medicare plans can vary among individuals. However, common types of Medicare plans in Las Cruces, New Mexico include Original Medicare (Part A and Part B), Medicare Advantage (Part C), Medicare Supplement (Medigap) plans, and Medicare Part D prescription drug plans. It’s advisable to explore the details and benefits of each plan to determine which one aligns with your specific needs.
How can I find information about Medicare companies and plans in Las Cruces, New Mexico?
You can find information about Medicare companies and plans in Las Cruces, New Mexico through various sources. Visit the official Medicare website (medicare.gov) to access their Plan Finder tool, which allows you to compare plans available in your area. Additionally, insurance brokers, agents, and online insurance marketplaces can provide personalized assistance and information about Medicare options in Las Cruces.
Which Medicare companies and plans are considered the best in Las Cruces, New Mexico?
The best Medicare companies and plans in Las Cruces, New Mexico can vary depending on individual needs and preferences. It’s recommended to research and compare different options to find the plan that best suits your healthcare needs, budget, and location.
Are there any local Medicare companies specific to Las Cruces, New Mexico?
While there may be local Medicare companies or insurers that operate in Las Cruces, New Mexico, the availability and options can vary. It’s advisable to research and explore all available Medicare companies, including national and regional insurers, to find the plan that best meets your needs.
Can I change my Medicare company or plan in Las Cruces, New Mexico?
Yes, you have the opportunity to change your Medicare company or plan during certain enrollment periods. The Annual Enrollment Period (October 15 to December 7) allows you to switch Medicare Advantage or Medicare Part D plans. The Medicare Advantage Open Enrollment Period (January 1 to March 31) allows individuals with Medicare Advantage plans to switch to another Medicare Advantage plan or switch back to Original Medicare. It’s important to understand the enrollment periods and requirements when considering changes to your Medicare coverage.
Can I receive assistance in selecting the best Medicare company or plan in Las Cruces, New Mexico?
Yes, you can receive assistance in selecting the best Medicare company or plan in Las Cruces, New Mexico. Insurance brokers, agents, and Medicare counseling services can provide guidance and help you navigate the options available. These professionals can assess your healthcare needs and preferences to recommend suitable Medicare companies and plans.
Are Medicare companies and plans in Las Cruces, New Mexico the same as in other areas?
Medicare companies and plans can differ based on the geographic area. While some national Medicare companies operate nationwide, others may have specific plans or networks tailored to certain regions. It’s essential to review the available options and compare plans specific to Las Cruces, New Mexico, to ensure they meet your healthcare needs and preferences.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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