413 Mechem Drive
Ruidoso, NM 88345
When it comes to buying insurance, many purchasers have questions about Medicare supplemental plans.
These plans, which are sometimes called Medigap, help to defray costs Medicare itself does not cover. These costs might include coinsurance, copayment, and deductibles. Traditionally, Medicare helps cover costs related to Part A, typically associated with hospital or inpatient stays, and Part B, usually covering doctor visits and outpatient services.
To qualify for Medicare, recipients must be at least 65 years old or, if under 65, be receiving disability benefits from either the Social Security Administration (SSA) or the Railroad Retirement Board (RRB). Anyone already receiving SSA benefits, disability, or benefits from the RRB will be automatically enrolled in Medicare and will receive an ID card three months before benefits begin at age 65. Anyone not receiving such benefits must enroll three months before turning 65 during the so-called Initial Enrollment Period.
Anyone who does not enroll will have another chance to enroll during General Enrollment, held annually between January 1 and March 31 for coverage beginning July 1. Enrollees may face higher premiums due to late enrollment.
Private companies in New Mexico, including Family Insurance Associates in the Ruidoso, NM area, offer multiple different options. Part C usually combines Parts A and B into a single plan, while Part D typically includes prescription drug coverage.
The team at Family Insurance Associates, serving the Ruidoso, NM area, is ready to answer all your insurance questions. The team is prepared to help source the best plan through many companies, including Cigna, Humana, and UnitedHealthcare Insurance.
Please contact our offices to learn more about Medicare supplemental plans in New Mexico and to set up a time to speak with an Family Insurance Associates team member. We are ready and able to walk you through the process and answer any questions you may have about medical, home, or auto policies.
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Medicare Supplement Insurance Plans also called as Medigap Plans help pay costs Original Medicare Does not cover. Not all costs are covered by Medigap plans. Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.