What is New Mexico Medicare
Medicare is a health insurance program for US citizens that is run jointly by the federal government and the state. The entire program is managed by Centers for Medicare and Medicaid Services (CMS).
Beneficiaries of the program are citizens who are above the age of 65. In certain cases, people with permanent disabilities are also eligible for the program. Similar to the social security system, Medicare is an entitlement program and all US citizens are automatically entitled to the program upon attaining 65 years of age.
Medicare Coverage in New Mexico
The Medicare coverage in New Mexico is covered by the following plans:
This plan covers the inpatient hospital care, expenses of stay in some emergency medical facility, critical nursing facility, hospice care etc. Those enrolled for the plan usually don’t need to pay anything for the services. Enrollment is automatic on becoming 65. The full hospital bills, however, aren’t remitted. The enrollee has to bear half of the total cost undergone.
Plan B comprises medical insurance benefits for non-hospital purposes. These include visit to the doctor’s office, X-rays, blood tests, outpatient hospital care etc. A monthly fee is payable for subscribing to the plan. The fee is likely to be higher for people with a higher income level.
Part C involves private insurance. It’s also known as the ‘Medicare Advantage’ regardless of whichever private insurer you choose. Subscription to this part is optional. Those who opt for part C are automatically entitled to the benefits of the earlier two parts.
Part D is involved with prescription drug insurance. A separate monthly premium is levied to avail it. There are specific plans where full, half or part of the expenses incurred towards purchasing the drugs. The reimbursement would be determined by the specific plan subscribed to.