Insurance Basics

Type of Plans

When looking for the right health plan for you, you may come across several different options like:

• 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 gives you more control of your health care costs and is most often paired with a health savings account.

Health Insurance Costs

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

Review costs

Health Care Terms

Look up common terms in our glossary.

Search glossary

Member Tools

Learn about the BCBSNM tools that can help you best use your plan, like Provider Finder, Form Finder and Blue Access for Members^SM.