Lovelace Health Plan



 

Lovelace Health Plan is a health insurance company based in and serving the state of New Mexico. Headquartered in Albuquerque, the company’s mission is to provide high-quality coverage to the local community at an affordable price. Lovelace is committed to providing a wide variety of plans and programs, paired with a large network of providers.

In business since 1973, Lovelace Health Plan is dedicated to maintaining positive relationships with its providers, members, brokers, and community. By providing great products for employers, individuals, seniors, and low-income residents of New Mexico through a Medicaid program, Lovelace has established itself as a trustworthy source of health care coverage.

As a member of a Lovelace plan, you have access to their health education and wellness programs. These programs include tobacco cessation and counseling, maternity care, children’s health, weight management, treating certain illnesses and conditions, as well as encouragement and education on activities to improve your overall health.

Lovelace iPlan offers individual health insurance coverage for New Mexico residents under 65, adults, children, families, as well as persons who are self-employed, in-between jobs, students, or retired yet do not yet qualify for Medicare. Their individual plans are available in multiple deductible, coinsurance, and benefit options, therefore placing the decision in your own hands. By setting your own out-of-pocket costs, you can choose a plan with as much coverage as you need.

iPlan members have access to over 7,000 health care professionals and facilities throughout New Mexico, in addition to bordering states. With the Lovelace network size in your favor, you can select from a variety of providers to receive services from an allergy test with a primary care physician to a broad range of major medical care. You also have the freedom to choose the Lovelace network for lower rates, or out-of-network providers if you prefer a specific doctor or hospital.

More benefits are available to iPlan members, such as affordable pharmacy copayments and full access to Lovelace’s informative and essential wellness programs. Competitively priced with other New Mexico carriers, the Lovelace iPlan is a high recommendation from East Coast Health Insurance.

Lovelace iPlan Choices

 

Individual Plans

Traditional PPO plans from Lovelace offer many options including 70 or 80 percent coverage after deductible, and annual deductibles ranging from $500 to $5,000. Each of these plans provides prescription benefits without a separate deductible, giving you access to various tiers for a low copayment. Doctor’s office visits with primary care physicians as well as specialists are accessible immediately. These plans offer simple, straight-forward coverage, with out-of-network services for 40 or 50 percent coinsurance after an additional deductible. As these are PPO plans, seeing a certain type of provider never requires authorization or a referral, so you have the liberty to make your own decisions without an extra wait.

High Deductible Health Plans

With a range of deductibles from $1,200 to $5,000, Lovelace iPlan’s HDHPs give members the option of opening a health savings account in addition to comprehensive coverage. Receiving care of all types for either 20 percent coinsurance or no charge after you reach the deductible, HDHPs are a great way to manage your health care expenses. The higher the deductible, the lower your monthly premium, and the greater your coverage will be once you have met your decided amount. All covered services apply to your coverage after deductible, including office visits, prescriptions, and hospital care. Once your plan starts, you can use in-network providers for preventive care at no cost on annual health exams, immunizations, and screenings for various diseases.