Insurance Basics

Type of Plans

You might be wondering what the letters you’ve seen next to some health plans mean, like HMO, PPO and CDHP:

• HMO: A health maintenance organization is designed to keep costs low and predictable.
• PPO: A participating provider organization lets you choose where you go for care without needing to rely on referrals or in-network providers. 
• CDHP: A consumer directed health plan gives you more control of your health care costs and is most often paired with a health savings account (HSA).

Health Insurance Costs

Learn what premiums, deductibles, copays and coinsurance are and how they work together for your coverage.

Plus, learn how you can take steps to keeping your health care costs low when you need to get care.

Review costs

Health Care Terms

Use our Glossary to look up common terms you might run into while using your New Mexico health insurance plan. 

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Member Tools

Learn about the BCBSNM tools that can help you best use your plan, like:

• Blue Access for Members^SM – your secure member portal
• Provider Finder – to help you find in-network doctors, hospitals and more
• Form Finder – to find important health care forms you or your doctor may need to submit when getting care