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New Mexico health insurance
Health insurance is an essential aspect of your financial planning. When you consider the rise in the prices of health care, this becomes even more important. If you are a resident of New Mexico and are looking for health insurance, you will get all the information you need, right here. You will get to know about your options in private health insurance as well as state health insurance.
Individual health insurance in New Mexico
If you are a resident of New Mexico and are looking for individual health insurance, you will be subject to medical underwriting. This means that the insurance company can refuse your application for insurance based on your health status and other factors. The company may impose a six month look back period and an exclusionary period of 12 months on you.
When you are considering a health insurance plan for yourself, you should consider aspects like the monthly premium you have to pay, the deductibles charged and other aspects like co insurance and co payments. Apart from costs, you should also consider how relevant he benefits are to you and your lifestyle. For instance, you should consider whether your plan will provide you with post natal facilities in case you decide to have a kid later. Also find out about coverage of pre existing conditions, if any.
Depending on these factors, you may avail of PPO, POS or HMO type of plans. You may also avail of plans which provide a health savings account (HSA) benefit, so that you can save on taxes.
Group health insurance in New Mexico (small businesses with 2-50 employees)
As in individual health insurance, medical underwriting is allowed here. The rate fixed is at plus or minus 25% of the indexed rate. This rate is based on factors like age, gender or the health status of members of the group. Members can avail of plans like HMOs, PPOs and POS types. In general, group plans may cost an individual less than an individual plan. This is because the employer pays a part of the costs under a group health plan.
New Mexico also offers a high risk pool for people who are unable to secure insurance from other places because of their health, age or other factors. This program is administered under the New Mexico medical insurance pool. Eligibilities under this program include conditions specified under HIPAA. You may also get coverage under this program if you are a resident of New Mexico and have failed to secure health coverage, been offered a reduced service or were dropped from a current coverage. You may also receive covers if you have any of the conditions specified under the high risk pool.
New Mexico COBRA coverage
New Mexico offers coverage to ex employees under The Consolidated Omnibus Budget Reconciliation Act (COBRA). Under this regulation, employers who have more than 20 employees in their concern and offer health insurance are obligated by law to continue covers for an individual and his family after the individual has left his employment.
Medicaid in New Mexico
Medicaid services are provided in the state of New Mexico. Under this state and federal sponsored program, long term care services and medical aid is provided to people like children, pregnant women with low incomes and some people who are on Medicare. The care is also provided to people who are disabled or are residents of nursing homes. However, all these people may receive care only providing they meet certain income eligibility criteria.
Other insurance programs in New Mexico
The state of New Mexico also offers the New MexiKids program for children who are under the age of 19 and belong to poor income families. They must be residents of New Mexico, have a US citizenship and meet certain income criteria.
Easy Quotes from the Top New Mexico Health Insurance Carriers
Our service is the most convenient way for you to secure the most suitable New Mexico health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find New Mexico Health Insurance
Our process is very convenient. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. Once your form is completed, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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