Individual & Family:
Get to Know Your 2023 Health Plans
Individual and Family health plans can help protect the health of you and your family1, like your spouse or children under the age of 26. With your health plan, you'll have:
- A large selection of in-network doctors and hospitals
- Preventive care services, like an annual exam, shots and screenings
- Prescription drug coverage
- Behavioral health care, including mental health and substance abuse benefits and services
Depending on your plan, you could also take advantage or mail-order prescriptions and access to health and wellness programs.
You may qualify for Medicaid, Children's Health Insurance Program (CHIP) or other assistance based on your income. These health care coverage options are provided by the government. and because there’s no Special Enrollment Period for them, you can apply at any time.
You may also qualify for a premium tax credit, also known as a subsidy, to help lower your monthly bill.
If you qualify for a premium tax credit, you can enroll through beWellnm for an on-Exchange plan from November 1, 2022 - January 15, 2023. If you don’t qualify for a subsidy, you can sign up for an off-Exchange plan directly with a health insurance provider from November 1 - December 15, 2022.
Please note that members of American Indian and Alaska Native tribes can apply for health care coverage any month of the year.
Health Plan Basics
Learn what could be included in your health plan and network. You can find coverage whether you live in Albuquerque, Las Cruces, Farmington, Santa Fe or across New Mexico.
Plan Network
A network (also called group of doctors) is part of each plan. Choosing medical professionals who are in-network can help you control the costs of care.
Essential Health Benefits
Your health plan will cover these essential health benefits and services: wellness, maternity, newborn/pediatric care, ambulance, emergency, hospitalization, labs, prescription drugs, disease management, mental health, substance abuse and rehabilitative devices.
Prescription Drug Coverage
Your health plan will offer prescription drug coverage. Based on your plan, you will either pay a set amount (copayment) or a percentage (coinsurance) of your drug costs once you've met your deductible.
Preventive Care Services
Your health plan will cover a range of preventive care services, like screenings, vaccines, wellness exams, and more. When you get this care in-network, you won't pay out-of-pocket costs.
Pre-Existing Condition Coverage
Health Insurance providers can't refuse to cover treatment for health problems you had before your new health plan starts.
Member Discounts
Your health plan may help you and your family save on products and services that better your health, like fitness apparel or gym memberships.
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Send us a question or request more information by reaching out to our customer service team.
1 BCBSNM does not offer temporary or short-term plans. These plans may not provide the same coverage as a BCBSNM health plan.
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.
P2069 Rev 9/22