Pay Less When You Need Health Care
A Gold health insurance plan may be for you if you:
- Have frequent medical needs, like a chronic health condition
- Have a spouse and dependents or want to expand your family soon
- Prefer to have a higher monthly payment but lower out-of-pocket expenses
All Blue Cross and Blue Shield of New Mexico (BCBSNM) Gold plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are.
Gold plans have a higher monthly premium and often lower out-of-pocket costs than Silver plans. In most cases, Gold plans cover 80% of costs, while you cover 20%.
Your Other Metallic Plan Options
Review more metallic plan options to give you and your family the perfect plan for your budget and coverage needs.
Silver
With a Silver plan, you'll have a balance of your monthly bill and costs when you need care.
Frequently Asked Questions
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How can I find different plans and how much they cost?
When you’re looking for a new health plan, you’ll normally be able to find all available plans and their monthly bill on the shopping platform you’re using. The plans you can enroll in are determined by your ZIP code.
With BCBSNM, you can find available plans and their costs by adding your information, like name and ZIP code, to the online shopping platform.
Understand other health plan costs, like deductibles and premiums, and how they work together.
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Am I able to change my health plan?
There are two “seasons” for Individual and Family health insurance, each with different guidelines for enrolling in a new health plan.
Open Enrollment Period: During Open Enrollment, you’re free to pick a new Individual and Family plan. You don’t have to go through any life changes like you do during Special Enrollment. Open Enrollment starts November 1st and typically lasts just over 2 months, ending January 16th.
Special Enrollment Period: During Special Enrollment, you can choose a new health plan if you’ve gone through certain life changes that affect your coverage. Some of the more common events are losing or changing jobs, getting married, having or adopting a child or moving. Learn more about the Special Enrollment period.
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How can I find my health plan’s benefits?
Most of your plan’s benefits can be found in your Summary of Benefits. There, you’ll find a brief breakdown of your plan’s costs, covered services, benefits, and more.
As a BCBSNM member, you’ll have more than just the benefits covered in your plan – you’ll get savings on health and wellness costs with Blue365®, guidance for your health journey through the Well OnTarget® portal and more.
BCBSNM policies have exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call BCBSNM at 1-866-445-1396 or contact your independent, authorized broker.
P2236 Rev 09.23