New Mexico › Otero County
Medicare plans in Otero County, New Mexico
2026 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Otero County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (6 plans)
- Part D drug plans (11 plans)
- Special needs plans (8 plans)
- Medicare Advantage without drug coverage (2 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Otero County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Otero County
At a glance
- 8 Medicare Advantage plans are open to anyone with Medicare here; 5 charge no monthly premium.
- 2 give back part of your Part B premium, up to $115 a month.
- The lowest yearly limit on what you pay for in-network care is $4,200.
- 11 Part D drug plans, from $0 to $145.40 a month.
Medicare Advantage plans with drug coverage 6
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| CHRISTUS Health Medicare Plus (HMO) CHRISTUS Health Advantage · H1189-002-000 | HMO | $0/mo | $4,200 | 3.5★ |
| AARP Medicare Advantage from UHC NM-0006 (PPO) UnitedHealthcare · H2406-091-000 | PPO | $0/mo | $6,700 | 4.0★ |
| Blue Cross Medicare Advantage Select (HMO) Blue Cross and Blue Shield of New Mexico · H3251-002-000 | HMO | $0/mo | $4,200 | 2.5★ |
| AARP Medicare Advantage from UHC NM-0003 (PPO) UnitedHealthcare · H2406-088-000 | PPO | $30/mo | $4,900 | 4.0★ |
| Blue Cross Medicare Advantage Balance (PPO) Blue Cross and Blue Shield of NM, TX · H1666-019-000 | PPO | $59/mo | $6,750 | 3.0★ |
| Blue Cross Medicare Advantage Optimum (PPO) Blue Cross and Blue Shield of NM, TX · H1666-020-000 | PPO | $90/mo | $4,250 | 3.0★ |
Part D drug plans 11
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout New Mexico.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-371-000 | $0/mo | $615 | 2★ |
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-128-000 | $0/mo | $615 | 2.5★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-110-000 | $0/mo | $615 | 3★ |
| Wellcare Classic (PDP) Wellcare · S4802-090-000 | $0/mo | $615 | 3.5★ |
| Wellcare Value Script (PDP) Wellcare · S4802-159-000 | $0/mo | $615 | 3.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-205-000 | $69.60/mo | $601 | 3★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-172-000 | $75.60/mo | None | 3★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-407-000 | $82.30/mo | $130 | 2★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-052-000 | $104/mo | $615 | 3★ |
| Blue Cross MedicareRx Value (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-020-000 | $111.30/mo | $615 | 2★ |
| Blue Cross MedicareRx Basic (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-013-000 | $145.40/mo | $615 | 2★ |
Special needs plans 8
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| UHC Dual Complete NM-Y1 (PPO D-SNP) UnitedHealthcare · H0294-049-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.5★ |
| UHC Dual Complete NM-S1 (PPO D-SNP) UnitedHealthcare · H0294-050-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.5★ |
| UHC Dual Complete NM-V1 (PPO D-SNP) UnitedHealthcare · H0294-051-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $4,900 | 3.5★ |
| UHC Complete Care Support NM-2A (PPO C-SNP) UnitedHealthcare · H2001-044-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,250 | 4.5★ |
| Presbyterian Dual Plus (HMO D-SNP) Presbyterian Health Plan · H3204-013-006 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.0★ |
| Blue Cross Medicare Advantage Dual Care Plus (HMO D-SNP) Blue Cross and Blue Shield of New Mexico · H3251-029-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 2.5★ |
| Blue Cross MA Dual Care Plus Preferred (PPO D-SNP) Blue Cross and Blue Shield of IL, NM, OK, TX · H8634-009-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.0★ |
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of Arizona · H8845-007-002 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.5★ |
Medicare Advantage plans without drug coverage 2
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| CHRISTUS Health Medicare Guardian (HMO) CHRISTUS Health Advantage · H1189-007-000 | HMO | $0/moGives back $115/mo of your Part B premium | $4,900 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) UnitedHealthcare · H2406-092-000 | PPO | $0/moGives back $115/mo of your Part B premium | $6,700 | 4.0★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $115–$683/mo from 25 companies, at age 65.
- Plan N: $86–$669/mo from 25 companies, at age 65.
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