New Mexico Health Insurance
As a resident of New Mexico, you have plenty of New Mexico health insurance options to choose from. There are multiple insurance companies in New Mexico that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in New Mexico. See some of the state's top health insurance companies and read about the important New Mexico health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public New Mexico health insurance programs.
Not resident of New Mexico? Find your state here.
If you would like to get free quotes and compare New Mexico health insurance plans now, start with our simple form on the left.
Resources on this page
New Mexico Health Insurance Laws and Regulations
Public Health Insurance Programs for New Mexico Residents
New Mexico Health Insurance High Risk Pools
New Mexico Health Insurance Companies
Contact Info for the New Mexico Division of Insurance and Health Department
New Mexico Health Insurance Laws and Regulations
New Mexico health insurance law requires all health plans to provide coverage for certain medical services including:
- Patient care costs in clinical cancer trials
- Screening for breast, cervical, and colorectal cancer, along with HPV screening
- Diabetes care
- Vaccinations for children
- Contraceptives, if a health plan covers prescription drugs
New Mexico health insurance state law also requires mental health conditions to be covered equally as physical health conditions.
Generally, New Mexico health insurance companies are allowed to accept applicants and set premiums based on health status and pre-existing health conditions. But some individuals are protected if they are HIPAA-eligible.
Under the federal law HIPAA, some individuals who recently left a group health plan with an employer are guaranteed to be issued coverage in the private market.
For individuals who are turned down for New Mexico health insurance coverage or cannot find a reasonably priced plan because of a pre-existing condition, they can obtain coverage through the state's high-risk health insurance pool.
The high-risk pool, called the New Mexico Medical Insurance Pool, provides comprehensive health benefits and a choice of deductibles. Remember, premiums are typically expensive in a high-risk pool.
New Mexico Public Health Insurance Programs
Low-income residents may have access to one of these public New Mexico health insurance programs:
- Medicaid
The Medicaid program in New Mexico offers some disabled and low-income residents health coverage. To learn more, visit their website. - NewMexiKids
For children in families who do not qualify for Medicaid but cannot afford private health insurance, they can receive coverage through NewMexiKids. To find eligibility limits and more information about this New Mexico health insurance program for children, visit them online. - New Mexico Medicare
Seniors can find New Mexico health insurance through Medicare Advantage, Supplement and Original Medicare. - Breast and Cervical Cancer Early Detection Treatment Program
Low-income women in New Mexico can receive free mammograms and cervical cancer screening through this program. To learn more about this New Mexico health insurance for women visit http://www.cancernm.org/.
New Mexico early retirees and trade workers may also qualify for federal assistance with the Federal Health Coverage Tax Credit, which pays for a portion of health plan premiums. To learn more, visit the Internal Revenue Services (IRS) online.
New Mexico Health Insurance High Risk Pool
Residents in New Mexico with medical conditions will be able to get health insurance from a high risk pool established by the Patient Protection and Affordable Care Act.
New Mexico Medical Insurance Pool (NMMIP) will run similar to regular New Mexico health insurance plans. The plans will require enrollees to pay affordable premiums and out-of-pocket costs.
Enrollees in the NMMIP will pay around the same amount that people without medical conditions pay for health insurance. The estimated premiums for New Mexico residents range from $183 to $526 a month. There are 3 different plans to choose from with deductibles ranging from $500 to $2,000. The deductible must be met before health insurance benefits kick in. The out-of-pocket limit ranges from $2,500 to $3,500 for health care services.
People in New Mexico with pre-existing conditions will have coverage for prescription drugs, doctor and hospital visits, emergency services and more.
Individuals may apply for the New Mexico program if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.
For more information on the New Mexico health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer health insurance plans in New Mexico:
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Blue Cross Blue Shield of New Mexico Health Insurance
BCBS of New Mexico provides members with comprehensive health insurance coverage and access to a care network of over 15,000 doctors.
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Golden Rule Health Insurance
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Great American Health Insurance
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Humana Health Insurance
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Lovelace Health Plan Health Insurance
Lovelace Health Plan provides health insurance to over 200,000 members in New Mexico. Lovelace members can choose from 7,500 health care providers, including ones from bordering states.
Presbyterian Health Insurance
Presbyterian provides a wide range of local health care to residents of New Mexico. Presbyterian is the state's only private, non-profit health care system and offers a statewide insurance plan to their 660,000 residents throughout New Mexico.
Standard Security Life Health Insurance
Started in 1978, IAC offers management services to large companies who self-insure.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health Insurance
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
New Mexico Division of Insurance and Health Department
Find the contact information for the New Mexico health insurance and health departments at:
New Mexico Division of Insurance
Mailing address:
P.O. Box 1269
Santa Fe, NM 87504-1269
Office:
P.E.R.A. Bldg., 4th Floor
1120 Paseo de Peralta
Santa Fe, NM 87501
Phone: (800) 947-4722
www.nmprc.state.nm/id.htm
New Mexico Health Department
1190 South Saint Francis Drive
Santa Fe, NM 87502
Phone: (505) 827-2613
http://www.health.state.nm.us/
