At Medicare Health Benefits, we understand how important it is for you to find the right Medicare Advantage plan. For residents of Bernalillo County, including Albuquerque and its surrounding areas, there are numerous options available for 2025 to fit your healthcare needs.
Here’s a breakdown of what you need to know to make an informed decision, or you can visit us locally in Albuquerque at 1504 Wyoming NE.
Your Medicare Advantage Options in Bernalillo County
Medicare Advantage plans in Bernalillo County combine hospital, medical, and often prescription drug coverage into one comprehensive plan. Here’s a quick snapshot:
- Total Companies Offering Plans: 8
- Total Plans Available: 47
- Plan Type Breakdown:
- MA-PD (Medicare Advantage with Prescription Drug Coverage): 59.6%
- SNP (Special Needs Plans): 29.8%
- MA (Medicare Advantage without Prescription Drug Coverage): 10.6%
Whether you’re in Albuquerque (zip code 87106) or other parts of Bernalillo County, we can help you navigate the options to find a plan that works for you.
Types of Medicare Advantage Plans
Bernalillo County offers a variety of Medicare Advantage plans tailored to fit your individual needs and budget.
Medicare Advantage with Prescription Drug Coverage (MA-PD)
- These plans combine medical and drug coverage into one plan.
- They’re ideal for most beneficiaries who need comprehensive coverage, including prescriptions.
Special Needs Plans (SNP)
- SNPs are designed for individuals with specific healthcare needs, such as chronic conditions or dual Medicare-Medicaid eligibility.
- These plans offer tailored benefits, making them ideal for residents requiring coordinated care.
Medicare Advantage (MA)
- MA plans provide medical coverage but do not include prescription drug coverage.
- These plans are suitable for beneficiaries who already have standalone Part D drug coverage.
Understanding Costs and Maximum Out-of-Pocket Limits
One of the advantages of Medicare Advantage plans is the protection they provide against high healthcare costs. Plans in Bernalillo County include maximum out-of-pocket (MOOP) limits to ensure you’re covered if unexpected medical expenses arise. We’ll work with you to find a plan that balances premiums, copayments, and MOOP limits to suit your financial situation.
How to Enroll in Medicare Advantage Plans
At Medicare Health Benefits, we aim to make the enrollment process simple and stress-free. Here’s how you can get started:
Work with a Local Agent
Our team has been helping New Mexico residents navigate Medicare since 1996. We understand the unique healthcare landscape in Bernalillo County and can help you compare plans to find the one that best meets your needs.
Visit a Local Social Security Office
If you have questions about Medicare eligibility or need assistance with enrollment, you can visit the nearest Social Security office:
- Albuquerque Social Security Office
Address: 500 Lead Ave SW, Albuquerque, NM 87102
Phone: 1-800-772-1213
Explore Plans Online
Visit Medicare.gov to compare available plans in your zip code. We’re happy to help you review your options and ensure you’re making the right choice.
Ask Your Neighbors
In close-knit neighborhoods like Nob Hill or the North Valley, talking to neighbors who have experience with Medicare Advantage plans can be helpful. We’re here to validate any insights they share and provide expert advice.
Common Questions About Medicare Advantage in Bernalillo County
What Are the Copayments for Doctor Visits?
Copayments vary depending on the plan. Many plans available in Albuquerque feature low or no copays for primary care visits, and we’ll ensure you understand your plan’s specifics.
Do Plans Include Vision and Dental Coverage?
Yes! Many plans include additional benefits like dental, vision, and hearing coverage. These benefits are especially popular among retirees looking for comprehensive care.
Can I Change Plans Later?
You can switch plans during the Annual Enrollment Period (AEP) or if you qualify for a Special Enrollment Period (SEP). For example, moving to a new County where your current plan is not available may allow you to update your plan.
Why Choose Medicare Health Benefits?
For over 25 years, we’ve been a trusted partner for Medicare beneficiaries across New Mexico. Whether you’re living in Albuquerque, enjoying retirement in Los Ranchos, or working through a health condition that requires specialized care, we’re here to guide you every step of the way.
Call us today at 505-355-5966, and let’s find the right Medicare Advantage plan for you. Your health and peace of mind are our top priorities.
