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Insurance Basics

When someone you love is facing an illness, you want to be focused on their care and comfort – not on finances. But healthcare treatment can be expensive. Insurance is there to help. Health insurance is a way of sharing the cost burden.

Most people get insurance in one of two ways:

  • By buying it for themselves from an insurance company, or
  • Through a job-based health plan.

People not covered in one of these ways, often get insurance through one of the government supported programs:

  • Medicaid
  • Medicare

Private Health Insurance Policies

If you buy insurance for yourself you will have many options to choose from. Private insurers, such as Presbyterian Health Plan, Inc., offer a number of different types of insurance packages that offer the right mix of costs (largely premiums and deductibles) and benefits (the types of healthcare services they cover). It is important that you consider your family’s needs so you can choose the best insurance coverage for you.

Employer-Offered Plans

Many companies offer their employees’ insurance packages as part of their compensation. That means the employer is usually picking up a significant part of the costs. Presbyterian Health Plan is pleased to partner with a number of New Mexico’s leading companies to offer health insurance to their employees.

Medicaid / Centennial Care

Medicaid is a government-funded program to provide health insurance to low-income Americans, including families with children, people with disabilities, and the elderly. Presbyterian Health Plan offers insurance coverage to Medicaid-eligible people through Presbyterian Centennial Care. If you need more information on Medicaid eligibility and funding, contact the Centers for Medicare and Medicaid Services. You can also learn more about Centennial Care by visiting the New Mexico Human Services Department website or viewing the Centennial Care Frequently Asked Questions.

Centers for Medicare and Medicaid Services
New Mexico Human Services Department

Centennial Care Frequently Asked Questions (FAQs)

English FAQ
Spanish FAQ


Medicare is an insurance plan for people over 65 who have worked for ten or more years in Medicare-covered employment. Complete eligibility requirements are available from the Centers for Medicare and Medicaid Services. There are several different types of Medicare coverage (see Understanding Medicare). Presbyterian is pleased to offer two options for Medicare coverage.

Centers for Medicare and Medicaid Services

Considering a New Plan?

If you are considering a new health insurance plan, you will want to understand the costs and benefits it will provide to you and your family. Be sure to check out 10 Questions to ask About Insurance – Before You Buy the Plan.

A Partnership in Health

Your health insurance provider is a partner with you and your doctor in helping you get and stay healthy. Make sure you choose the right partner.