We’re Here to Help You!

Send us a question or request more information. Our team is here to help you get a 2020 health care plan for yourself or family.

Tab One Ask Question

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Ask a Sales Question

Please fill out the form below and a licensed agent will contact you to help answer your questions.

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Tab Two Request Brochure

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Request a Brochure

Please fill out the form below and we will send you information about our health insurance plans.

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If you provide a phone number, an agent may call you to make sure that you received the information and to answer any questions that you might have.

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Tab Three Request Agent

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Online Agent Request Form

Please fill out the form below and a Blue Cross and Blue Shield of New Mexico authorized agent will contact you within 1 to 2 business days. They will schedule an appointment at a time and location that is convenient for you. There is no cost or obligation for this service.

Please select the product you are interested in
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Please enter a valid date of birth (MM/DD/YYYY)
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Tab Four Call Us

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Need Assistance Shopping?

Sales Questions and Additional Plan Information:
1-888-809-1135
Calls may or may not be answered inside the United States.

Monday – Friday: 7 a.m. – 7 p.m. MT
Saturday: 7 a.m. – 5 p.m. MT
Sunday: 9 a.m. – 1 p.m. MT

Customer Service:
1-866-236-1702
Calls may or may not be answered inside the United States.

Monday – Friday: 6 a.m. – 7 p.m. MT
Saturday: 7 a.m. – 4 p.m. MT
Sunday: Closed

Already a member?
Call the Customer Service number on the back of your member ID card.

New to Medicare or Need Help Shopping for a Plan?

Call us at 1-866-286-6159 TTY 711

We’re open between 8 a.m. – 8 p.m., local time, 7 days a week. If you’re calling from April 1 through September 30, alternate technologies (for example, voicemail) will be used on the weekends and holidays.

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P1631

Health Insurance Deductibles, Coinsurance and Annual Limits

When buying health insurance, you need to know how your health plan works and what your out-of-pocket costs may be. We'll look at a few examples of health care costs — coinsurance after deductible, deductible versus out-of-pocket maximum, coinsurance versus deductible — and how they affect your medical costs. Read our Health Insurance Costs page for a definition of the terms used on this page.

Example #1: Deductibles, Coinsurance and Out-of-Pocket Maximum

Your health insurance plan has a:

  • $4,000 deductible
  • 30% coinsurance
  • Out-of-pocket maximum of $5,000

This means:

  • You must pay $4,000 toward your covered medical costs before your health plan begins to cover costs.
  • After you pay the $4,000 deductible, your health plan covers 70% of the costs, and you pay the other 30%.
  • When you've paid $5,000 out of your pocket toward your medical costs, your plan covers 100% of your costs until your "plan year" renews.

Whenever the next plan year begins, your coinsurance and deductible reset. You are once again responsible for the $4,000 deductible and 30% coinsurance for that year.

Example #2: Coinsurance After You've Met Your Deductible

Let's say you break a bone in your foot and need an X-ray. If you've met your annual $4,000 deductible, your health plan will start contributing to your medical costs based on your coinsurance.

The cost breakdown would look like this:

  • The X-ray for your foot costs $300.
  • Your plan covers 70%, which is $210.
  • The amount you pay out-of-pocket for your coinsurance is $90.

Example #3: Annual Limits

Your health plan will cover up to a certain amount for certain procedures, medical services and tests. This is called an annual limit, which helps to decrease costs by keeping rates reasonable and fair for all members.

Here's an example. Let's say you need to visit your doctor.

  • Your health plan covers up to 20 physical therapy visits.
  • You visit your physical therapist 22 times.
  • That means you have to pay for the last 2 visits.