Shop for Medicare Supplement Plans Below
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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.
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No matter where we live or how we spend our time, it impossible to turn on a television, radio, or to even read a newspaper without hearing about issues surrounding affordable healthcare in our country. In New Mexico, news of lawsuits, changes in providers' offerings, and rumors of providers leaving the state leaves many consumers who are seeking health insurance coverage scratching their heads.
Due to high and continuously rising costs of healthcare, from doctors and hospitals to medicines and medical equipment, most Americans cannot afford to self-insure their most valuable commodities - our health. Add to that the legal requirements of carrying health insurance, combined with the tax penalties we will face if we are uninsured, anyone who is not provided with employment-based health insurance must take responsibility for purchasing health insurance for themselves and their families.
Fortunately for New Mexico residents, NM Insure is available to offer valuable knowledge and resources about the private marketplace, the federal marketplace, and public health plans to help us make the decisions we need to make to obtain the right health insurance for our needs.
Health Insurance Quotes
We can Provide You Instant Quotes for your Health Insurance Needs through Various Companies.
What is the Marketplace or Exchange?
The Healthcare Marketplace, also called the Healthcare Exchange, was established under the Affordable Care Act and is an exchange that offers health insurance plans for purchase during open enrollment periods from private insurance companies. These plans offer a variety of benefits concerning deductibles, coinsurance, and out of pocket maximums. For those who qualify based on income, these plans may come with a subsidy that pays part of the monthly premium.
What is the Private Marketplace?
Insurance can also be purchased from private health insurance companies without going through the federal or state exchange; some of the policies are on the exchange, and others are not. With these policies, there are no subsidies offered, but the choices can be explained. An insurance agent, such as those at NM Insure, can help customers navigate the various private plans and direct us towards the policies that best serve our needs.
What are Public Health Plans?
Public health plans are plans that are offered for those who have low income and may need assistance. Medicaid, which has been expanded in New Mexico, is an option for those who qualify. New Mexico's CHIP (Children's Health Insurance Program) provides low-cost coverage for qualifying children.
The experts at NM Insure are available and willing to answer your questions and discuss any personal insurance needs. Please call today, schedule an appointment, or come by the office at your convenience.