About Health Insurance in New Mexico
Through East Coast Health Insurance, you can get coverage from one of the four premier health insurance companies available in New Mexico. We offer the services of UnitedHealth One, a hospital plan called Presbyterian, and Lovelace. There are also some great public health plan options.
- Total Population: 1,987,100
- Total Uninsured Population: 424,400 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $2,058
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in New Mexico
East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our New Mexico experts at 888-803-5917.
Other Options in New Mexico
- New Mexico Medical Insurance Pool (NMMIP) is the state risk pool, a plan available for who do not qualify for insurance but are eligible for HIPAA. They can be reached at 505-816-4248.
- New Mexico Health Insurance Alliance offers plans for small businesses, families, and self-employed. For more questions on their services, call 505 989 1600.
New Mexico Health Insurance Market & Laws
New Mexico’s health insurance regulations are like other states, in that once you have a health plan and your term ends, your insurance company must renew the same plan. This applies on the condition that you have not violated your policy terms or missed any premium payments. The guaranteed renewability provision is helpful when your insurance runs out and you wish to keep the same benefits.
Pre-existing conditions are handled with an exclusion period by all health insurance companies, though it can only last six months. The insurance company has the ability to decide whether or not you will be paying for your pre-existing condition, and how long that will last. In New Mexico, a pre-existing condition is any condition for which you received treatment in the six months before you applied for health insurance.
If you are changing insurers and have previously had continuous coverage without any breaks, you can use the former plan to credit your exclusion period. Your new health insurance company will apply the old plan to the expenses of care foryour pre-existing condition while they are not paying for it.
Insurance companies in New Mexico have control over how much you will pay for health insurance or whether to sell it to you at all, based upon your health and age. Like most states, this lenient policy can devastate those in need of coverage, so be aware of your health when you go into apply, and also compare with different companies.
Residents of New Mexico are given the following as mandatory benefits when they have health insurance:
- Diabetes treatment
- Breast, colorectal, cervical cancer screenings
- Mental health care
- Care for clinical cancer trials
- Contraceptives (if the policy covers prescriptions)
For further information on benefits and coverage laws in New Mexico, visit the New Mexico Public Registration Commission site.
1. Kaiser Family Foundation, “New Mexico – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “New Mexico Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-New Mexico.html