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Medicare Plans for Individuals

Medicare health coverage through Blue Cross and Blue Shield of New Mexico includes Medicare Advantage with Prescription Drug plans (MAPD), stand-alone Medicare Prescription Drug Plans (PDP), and Medicare Supplement Insurance Plans.

Producers selling our Medicare products have a large variety of options to share with their clients and a host of marketing and sales tools at the ready when they work with us.

Blue Cross Medicare Advantage Plans

Our HMO and PPO plans bundle cost saving and value-added options with Original Medicare benefits. Here are some plan highlights.

Blue Cross Medicare Advantage (HMO)SM

  • Typically have lower or $0 monthly premiums
  • Member care is handled by one primary care provider (PCP) who knows their health history
  • Member costs will be as low as possible when they see a provider in the network
  • Members may be required to get a referral from their primary care physician prior to visiting a specialist
  • Includes drug coverage

Blue Cross Medicare Advantage (PPO)SM

  • Tend to have higher monthly premiums
  • Members are not required to select a PCP
  • Members have freedom to use doctors, hospitals, and providers outside of the network but may pay higher copays and coinsurance
  • Members will save money if they use doctors, hospitals, and other health care providers within the plan’s network
  • Includes drug coverage

Blue Cross MedicareRx Plans

Blue Cross MedicareRx plans go beyond Original Medicare to offer coverage for prescription drugs. Whether your clients have a few prescriptions or a lot, BCBSNM offers plans that can work for their health care needs and budget. Here are highlights of each plan. (Producers must be certified to sell PDP plans.)

Blue Cross MedicareRx Basic (PDP)SM

  • Nationwide Pharmacy Network
  • Annual deductible applies to all Tiers
  • No Gap coverage
  • Narrow Formulary

Blue Cross MedicareRx Choice (PDP)SM

  • Nationwide Pharmacy Network
  • Annual deductible applies to Tiers 3, 4, and 5
  • No Gap coverage
  • Essential Formulary

Blue Cross MedicareRx Value (PDP)SM

  • Nationwide Pharmacy Network
  • Annual deductible applies to Tiers 3, 4, and 5
  • Gap coverage for Tier 1 Only
  • Broad Formulary

Medicare Supplement Insurance Plans

BCBSNM offers a wide variety of Medicare Supplement Insurance Plans. Even if your client is covered by Medicare, they may still be responsible for a large portion of their health care costs.

Not only do we offer a variety of Medicare Supplement plans from which to choose, your client may also be eligible for a Continue with BlueSM premium discount or a household discount. 

Learn more about our BCBSNM Medicare Supplement plans and possible discounts.