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Short-Term Health Insurance Plans

Accidents and unexpected illnesses can happen to anyone. If you are temporarily uninsured and need immediate coverage, Blue Transitions, a short-term/travel health insurance plan from Blue Cross and Blue Shield of New Mexico (BCBSNM), may be right for you. This plan allows you to choose from 3 deductible levels and coverage periods of 1–11 months.

Blue Transitions is short-term health insurance designed to fit your budget while providing peace of mind that you are receiving reliable health care coverage and protection from unexpected accidents or illnesses. Some common health care expenses covered with this plan include:

  • Inpatient and outpatient medical, surgical and hospital services
  • Diagnostic services
  • Emergency care
  • Office visits (excludes wellness/preventive care visits)
  • Limited prescription drug coverage
  • Physical, occupation and speech therapy
  • Coverage when you travel, including the unique BlueCard® program
  • 24/7 Nurseline

Blue Transitions may be your short-term health insurance solution if you are:

  • Traveling or temporarily working or residing somewhere other than your permanent residence
  • Between jobs, or working a seasonal or part-time job
  • Waiting for your employer's health insurance coverage to take effect
  • A recent college graduate or a dependent reaching the maximum age limit under your parent's plan and needing affordable coverage until you can obtain other BCBSNM coverage

Plan Details

Eligibility and Enrollment

You are eligible for Blue Transitions short-term/travel health insurance if you are:

  • A New Mexico resident
  • A U.S. citizen or a permanent resident living in the U.S. at least two years
  • At least 60 days old or under 65 years old
  • Not currently pregnant or an expectant father
  • Not anticipating adding newborns to the policy
  • An unmarried dependent child at least 60 days old or under 25 years old
  • Not on Medicare or Medicaid

Blue Transitions Costs

Health insurance costs include monthly payments, individual deductibles, drug coverage deductibles, out-of-pocket expenses, copayments, and coinsurance. For Blue Transitions short-term/travel health insurance plan, here’s what you can expect:

  • Individual deductibles ranging from $500 to $2000; each member individually must meet the deductible. Customize your plan by choosing a deductible amount that works best for your situation. To see what your monthly payments would be, get a quick quote.
  • Out of pocket coinsurance limits are $2000 for individual and $5000 per family
  • All covered services are paid at 100 percent once your coinsurance limit is reached (excluding prescription drugs, other items covered under the drug plan)
  • Prescription drug costs are 30 percent of covered expenses, with a maximum of $500 per benefit period
  • Once you have met the plan deductible, Blue Transitions covers 70 percent of covered charges—you pay the remaining 30 percent (coinsurance)

For more information on cost, including out-of-pocket costs, view this Blue Transitions Summary of Benefits .

What's Included with Blue Transitions

Blue Transitions is a short-term/travel health insurance plan that offers freedom of choice and the benefits that you need most. Plan highlights and special features include (but are not limited to):

  • Choose a coverage period of 1–11 months
  • No referrals required to see specialists (prior approval required for some services)
  • Choose doctors and hospitals from the most comprehensive provider network statewide*
  • No claims to file with preferred providers (in-network providers)
  • Help accessing Blue Cross and Blue Shield PPO providers nationwide through the BlueCard® program
  • 24/7 Nurseline
  • Online resources so you can access your account and claims information, research comprehensive health and wellness information, search for providers, and more

* Members must see health care providers in our network to receive benefits; services from out-of-network providers are not covered except for emergencies.

Plan Benefit Details

It’s important to know the features of the health insurance plan you are considering. Review these documents and forms to get more complete plan details.

These documents are available as PDF files. You will need Adobe® Reader® to view these files; download this free of charge at Adobe's site .

Plan Renewals

  • This is a short-term health insurance plan; it is not intended to be a permanent plan.
  • A Blue Transitions policy cannot be renewed; however, if you need coverage for a longer period of time, you may apply for another one-time, non-renewable policy.
  • Approval of any re-application for Blue Transitions coverage starts the beginning of a new benefit period.
  • You may terminate a policy before the end of its benefit period.
  • Any condition which may have occurred under the prior policy(s) is a pre-existing condition not covered under the subsequent policy.
  • If you need a long-term health insurance solution, please consider our other individual and family coverage options.

Plan Limits

Every insurance plan has limitations. These limits are there to keep health care costs down for everyone. Below are a few examples of limits with this plan. You should review your Blue Transitions Benefits Booklet for a full list of limits and exclusions.

  • Age Limit for Children: Children are covered only through age 24.
  • Services Not Covered: There are no benefits for pre-existing conditions. Other examples of non-covered services include routine or preventive services, acupuncture, joint or spinal manipulation, orthotics, allergy care, routine maternity services or complications of pregnancy, diabetic equipment or insulin, transplants, behavioral health services, or chemical dependency treatment.

Prescription Drug Coverage

  • Prescription drug coverage is included with this plan (maximum of $500/benefit period), and your share of covered charges is 30 percent.
  • Prescription drugs for behavioral health conditions are not covered.
  • You can view the BCBSNM Prescription Drug List . Blue Transitions does not cover all drugs on the drug list.