Presbyterian Health Plans fit just about any situation and any budget. From comprehensive to basic essential coverage, we've got you covered.
All plans cover the same benefits at varying levels and have a cap of $6,350 a year in out-of-pocket expenses for an individual, $12,700 for families. Regardless of which plan you select, you'll have no cost preventive care, prescription drug benefits, and access to more than 9,000 healthcare providers in more than 500 locations in New Mexico and border communities.
Learn more about plan benefits, rates, and how to enroll.
Individual and Family Health Plan Comparison Tool
To help you decide which level of coverage is best suited for your needs, select up to three plans to compare the benefits side-by-side. Select additional plans and the grid will remove your first selected choice and replace with your next choice.
1Deductible is per person for up to 2 family members
3Limited to 20 visits per calendar year each service
4OOP maximums are per person for up to 2 family members. The OOP max includes deductible, copayments, coinsurance, and prescription drug costs.
5Includes all services & waived if admitted
Keep in mind:
- Presbyterian's plans include a free fitness center membership for members ages 18 and up and access to Presbyterian's system of more than 600 doctors and 8 hospitals across New Mexico.
- Bronze plans generally have the lowest premiums, but cover only 60% of medical costs on average. Gold plans have the highest premiums, but cover 80% of costs. Young adults up to age 30 can pick the "catastrophic" plan for very basic coverage.
- The Silver B, Bronze A, Bronze B plans are Qualified High Deductible Health Plans (HDHP).
- Copayments – Benefits with copayments ($) are not subject to deductible. Unless specifically noted, copayment covers office visit ONLY. All other services received are subject to deductible and coinsurance.
- Coinsurances – Benefits with coinsurances (%) are subject to deductible first then you pay the applicable coinsurance % amount.
Learn More About New Mexico's New Health Insurance Exchange
Not Sure This Is Where You Need To Start?
Making a decision regarding your health insurance provider can be confusing. With the recent implementation of the Affordable Care Act, it's likely even more confusing than usual. Presbyterian Health Plan has created an interactive tool that helps you determine where you might begin your search for health insurance, whether through a commercial insurance plan provider, Medicaid or Medicare programs, or on New Mexico's new health insurance exchange.
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