Best Medicare Companies in Cibola County, New Mexico (2025)

Medicare is a federal health insurance program for people who are 65 or older, people with certain disabilities, and people with End-Stage Renal Disease (ESRD). Medicare has four parts: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and limited home health care services. Part B covers doctor visits, outpatient services, and preventive services. Part C is an alternative to Parts A and B, and is offered by private insurance companies. Part D covers prescription drugs.

Medicare plans available in Cibola County, New Mexico include Medicare Advantage plans, Medicare Supplement plans, and standalone Medicare Part D plans. Medicare Advantage plans are offered by private insurance companies and provide all the benefits of Parts A and B, plus additional benefits such as dental, vision, and hearing. Medicare Supplement plans (also known as Medigap) help cover out-of-pocket costs such as deductibles and coinsurance that are not covered by Parts A and B. Standalone Medicare Part D plans offer prescription drug coverage.

You can enroll in a Medicare plan during the annual enrollment period, which is from October 15 to December 7 each year. You can also enroll in a Medicare Advantage plan or switch from one plan to another during the Medicare Advantage open enrollment period, which is from January 1 to March 31 each year. To enroll in a Medicare plan, you can visit the Medicare website or call 1-800-MEDICARE. You can also contact a licensed insurance agent in Cibola County who can help you compare plans and enroll.

Yes, you can change your Medicare plan during certain times of the year. During the annual enrollment period (October 15 to December 7), you can switch from Original Medicare to a Medicare Advantage plan, switch from one Medicare Advantage plan to another, or switch from a Medicare Advantage plan back to Original Medicare. You can also switch from one standalone Medicare Part D plan to another during this time. During the Medicare Advantage open enrollment period (January 1 to March 31), you can switch from one Medicare Advantage plan to another or switch from a Medicare Advantage plan back to Original Medicare.

The Medicare website offers a plan finder tool that can help you compare plans based on your specific needs and preferences. You can enter your zip code, current medications, and other information to get a list of available plans in Cibola County. You can also contact a licensed insurance agent in Cibola County who can help you compare plans and enroll in a plan that best fits your needs and budget.

You can compare Medicare Advantage plans by using the Medicare Plan Finder tool on the Medicare website, or by contacting a licensed insurance agent who specializes in Medicare.