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Medicare Advantage Plans in Embudo, New Mexico

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While there are 49 Medicare Advantage plans in New Mexico, there are 31 plans available to you in Embudo, New Mexico. Embudo is located in Rio Arriba County. Connie Health gathered the plan cost and coverage information that matters most to you. Continue reading to discover the Medicare Advantage plan right for your health & budget and when to enroll.

2025 Medicare Advantage Plan Facts for Embudo

Why Choose a Medicare Advantage Plan?

There are three primary reasons you may choose to enroll in a Medicare Advantage plan:

Medicare Advantage value Connie Health

1. Low or no-cost monthly premiums

You have access to a Medicare Advantage plan as low as $0 monthly. If you don't qualify for a $0 premium plan, the average is $78.33 per month. This premium is low, especially compared to a Medicare Supplement plan or your Part B premiums.

2. Lower out-of-pocket costs

Original Medicare doesn't cap their out-of-pocket costs, so you could end up with unexpectedly high medical bills. With Original Medicare Part B, you must pay the premium, deductible, and 20% coinsurance for Medicare-approved services and procedures. The 20% can add up.

3. Additional benefits not available with Original Medicare

Want routine dental coverage? Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) don't offer comprehensive dental, vision, or hearing coverage. These services would be entirely out-of-pocket for you.

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Medicare Advantage Companies in Embudo

9 insurance companies offer Medicare Advantage plans in Embudo.

Medicare Advantage Insurance Companies in Embudo
Aetna Medicare
Blue Cross and Blue Shield
CHRISTUS Health Advantage
Cigna Healthcare
Humana
Presbyterian Health Plan
Presbyterian Insurance Company, Inc.
UnitedHealthcare
Wellcare by Allwell

Top 5 Medicare Advantage Insurance Companies in Embudo

These 5 Medicare Advantage insurance companies enroll the largest amount of Medicare beneficiaries in Embudo. They offer the most popular plans.

# Medicare Advantage Insurance Companies in Embudo
1 Humana Insurance Company
2 Presbyterian Health Plan
3 Care Improvement Plus South Central Insurance Co.
4 Sierra Health And Life Insurance Company, Inc.
5 First Health Life & Health Insurance Company

2025 Embudo Medicare Advantage Plans

There are 31 Medicare Advantage plans to choose from in Embudo. Below are the many available options. Click on any of the links to review additional plan details.

Medicare Advantage Plan Name Plan Type Monthly Plan Premium Maximum Out-of-Pocket Rx Deductible Medicare Star Rating
HumanaChoice H5216-077 (PPO) Local PPO $0.00 $3,900.00 - 4.5
HumanaChoice H5216-078 (PPO) Local PPO $0.00 $4,900.00 $0.00 4.5
HumanaChoice H5216-137 (PPO) Local PPO $0.00 $7,350.00 $500.00 4.5
HumanaChoice H5216-196 (PPO) Local PPO $35.00 $6,700.00 $0.00 4.5
Humana USAA Honor (PPO) Local PPO $0.00 $4,900.00 - 4.5
HumanaChoice H5216-223 (PPO) Local PPO $34.00 $4,900.00 $0.00 4.5
HumanaChoice H5216-341 (PPO) Local PPO $29.00 $3,900.00 $0.00 4.5
AARP Medicare Advantage from UHC NM-0002 (PPO) Local PPO $25.00 $3,800.00 $0.00 4
AARP Medicare Advantage Patriot No Rx NM-MA01 (PPO) Local PPO $0.00 $4,300.00 - 4
AARP Medicare Advantage from UHC NM-0005 (PPO) Local PPO $0.00 $4,300.00 $0.00 4
AARP Medicare Advantage from UHC NM-0008 (PPO) Local PPO $0.00 $6,300.00 $0.00 4
Humana Gold Choice H8145-123 (PFFS) PFFS $60.00 - $300.00 4
Cigna Preferred Medicare (HMO) Local HMO $0.00 $4,400.00 $0.00 3
CHRISTUS Health Medicare Plus (HMO) Local HMO $0.00 $4,400.00 $0.00 3
CHRISTUS Health Medicare Guardian (HMO) Local HMO $0.00 $4,900.00 - 3
Blue Cross Medicare Advantage Choice Premier (PPO) Local PPO $0.00 $3,900.00 $0.00 3
Blue Cross Medicare Advantage Flex Access (PPO) Local PPO $197.00 $0.00 $545.00 3
Blue Cross Medicare Advantage Health Choice (PPO) Local PPO $0.00 $4,900.00 $545.00 3
Blue Cross Medicare Advantage Saver Plus (PPO) Local PPO $0.00 $6,000.00 $545.00 3
Blue Cross Medicare Advantage Dental Premier (PPO) Local PPO $0.00 $7,550.00 $545.00 3
Wellcare No Premium (HMO) Local HMO $0.00 $3,650.00 $150.00 3
Presbyterian Senior Care Plan 2 with Rx (HMO) Local HMO $0.00 $4,500.00 $0.00 3
Presbyterian Senior Care Plan 3 with Rx (HMO) Local HMO $118.00 $3,000.00 $0.00 3
Presbyterian Senior Care Plan 1 (HMO) Local HMO $0.00 $4,250.00 - 3
Presbyterian UltraFlex (HMO-POS) Local HMO $0.00 $4,950.00 $0.00 3
Blue Cross Medicare Advantage Select (HMO) Local HMO $0.00 $3,900.00 $0.00 3
Aetna Medicare Choice Plan (PPO) Local PPO $0.00 $7,550.00 $300.00 3
Aetna Medicare Eagle Plan (PPO) Local PPO $0.00 $6,000.00 - 3
Presbyterian MediCare PPO Plan 2 with Rx (PPO) Local PPO $164.00 $6,000.00 $500.00 2.5
Presbyterian MediCare PPO Plan 1 (PPO) Local PPO $43.00 $6,950.00 - 2.5
Wellcare No Premium Open (PPO) Local PPO $0.00 $6,350.00 $300.00 2

Top 12 Medicare Advantage Plans with the Highest Star Ratings in Embudo

The Centers for Medicare and Medicaid Services (CMS) rates all Medicare Advantage plans on a scale of 1 to 5 stars. Plans with one star are considered “poor,” while those with five stars are considered “excellent.” Any plan that is four stars and higher is a “top-rated” plan. These are the plans with the highest star ratings in Embudo.

# Plan Name Plan Type Monthly Plan Premium Maximum Out-of-Pocket Rx Deductible Medicare Star Rating
1 HumanaChoice H5216-077 (PPO) Local PPO $0.00 $3,900.00 - 4.5
2 HumanaChoice H5216-078 (PPO) Local PPO $0.00 $4,900.00 $0.00 4.5
3 HumanaChoice H5216-137 (PPO) Local PPO $0.00 $7,350.00 $500.00 4.5
4 HumanaChoice H5216-196 (PPO) Local PPO $35.00 $6,700.00 $0.00 4.5
5 Humana USAA Honor (PPO) Local PPO $0.00 $4,900.00 - 4.5
6 HumanaChoice H5216-223 (PPO) Local PPO $34.00 $4,900.00 $0.00 4.5
7 HumanaChoice H5216-341 (PPO) Local PPO $29.00 $3,900.00 $0.00 4.5
8 AARP Medicare Advantage from UHC NM-0002 (PPO) Local PPO $25.00 $3,800.00 $0.00 4
9 AARP Medicare Advantage Patriot No Rx NM-MA01 (PPO) Local PPO $0.00 $4,300.00 - 4
10 AARP Medicare Advantage from UHC NM-0005 (PPO) Local PPO $0.00 $4,300.00 $0.00 4
11 AARP Medicare Advantage from UHC NM-0008 (PPO) Local PPO $0.00 $6,300.00 $0.00 4
12 Humana Gold Choice H8145-123 (PFFS) PFFS $60.00 - $300.00 4

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Types of Medicare Advantage Plans Available in Embudo

There are 3 Medicare Advantage plan types you can choose from in Embudo. These include: Local HMO, Local PPO, PFFS. Not sure which is the best plan for your health needs and budget? We'll walk you through the most popular plan types: Local HMO, Local PPO, PFFS. At the end of this section, you'll understand the difference between these three most popular plan types.

Medicare Advantage HMO Plans

You have 9 Medicare Advantage HMO plans to choose from in Embudo. An HMO, or Health Maintenance Organization, is a type of health plan that limits coverage to in-network care from doctors who work for or contract with the HMO. Typically, HMO plans won't cover out-of-network care except in an emergency.

Medicare Advantage PPO Plans

There are 21 Medicare Advantage PPO plans in Embudo. A PPO, or Preferred Provider Organization, is a type of health plan where you pay less to use doctors in the plan's network. Unlike an HMO, you can see doctors and specialists and use a hospital outside the network without a referral for an additional cost.

PPO plan comparison Connie Health

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Medicare Advantage Special Needs Plans (SNPs)

Special Needs Plans, or SNPs, are a type of Medicare Advantage plan. There are two types of Special Needs Plans that may be available to you: Chronic Special Needs Plans (C-SNP) and Dual Special Needs Plans (D-SNP).

Chronic Special Needs Plans (C-SNP) are limited to people with specific illnesses or characteristics. For example, you may qualify for a C-SNP if you have diabetes, End-Stage Renal Disease (ESRD), HIV/AIDS, dementia, chronic heart failure, or other qualifying illness. Medicare C-SNPs tailor benefits, provider choices, and drug formularies to meet the needs of the special needs groups they serve.

You may qualify for a Dual Special Needs Plan (D-SNP) if you are eligible for Medicare and Medicaid. With a D-SNP, the State of New Mexico may cover your Medicare costs, depending on your eligibility.

Veteran Benefits & Medicare

If you or your spouse are veterans, you likely have VA benefits. However, the U.S. Department of Veteran Affairs encourages you to sign up for Medicare as soon as you are eligible. Here are three reasons you should speak to a local licensed agent about how VA benefits and Medicare work together:

When to Enroll in a Medicare Advantage Plan in Embudo

Knowing when to enroll or make plan changes can help you save money.

Enrolling in a Medicare Advantage plan for the first time, or are you interested in making a plan change? Skip to the section that applies to you - and mark the dates in your calendar.

Enroll for the First Time

If you're new to Medicare, the best time to enroll in a Medicare Advantage plan is during your Initial Enrollment Period. If you miss that, you can still enroll during the General Enrollment Period (January 1 - March 31) or Special Enrollment Period, but likely with penalties.

Birth Graphic Connie Health

Make a Plan Change

The best time to make a plan change is during the Medicare Annual Enrollment Period (October 15 - December 7). During this time, anyone enrolled in Medicare can review their plan options for the coming year and ensure that their plan choice meets their health and budget needs.

Annual Enrollment Period Connie Health

If you need to make a plan change because you moved to a new service area or lost coverage, among other reasons, you could qualify for a Special Enrollment Period.

Whether you're enrolling for the first time or making a plan change, a Medicare Advantage plan could fit your health and budget needs. Medicare in New Mexico can be confusing, and you don't have to sift through your options alone.

Medicare Advantage Special Needs Plans (SNPs)

Special Needs Plans, or SNPs, are a type of Medicare Advantage plan. There are two types of Special Needs Plans that may be available to you: Chronic Special Needs Plans (C-SNP) and Dual Special Needs Plans (D-SNP).

Chronic Special Needs Plans (C-SNP) are limited to people with specific illnesses or characteristics. For example, you may qualify for a C-SNP if you have diabetes, End-Stage Renal Disease (ESRD), HIV/AIDS, dementia, chronic heart failure, or other qualifying illness. Medicare C-SNPs tailor benefits, provider choices, and drug formularies to meet the needs of the special needs groups they serve.

You may qualify for a Dual Special Needs Plan (D-SNP) if you are eligible for Medicare and Medicaid. With a D-SNP, the State of New Mexico may cover your Medicare costs, depending on your eligibility.

Veteran Benefits & Medicare

If you or your spouse are veterans, you likely have VA benefits. However, the U.S. Department of Veteran Affairs encourages you to sign up for Medicare as soon as you are eligible. Here are three reasons you should speak to a local licensed agent about how VA benefits and Medicare work together:

Medicare Doctors Near Me in Embudo, New Mexico

Struggling to find a trustworthy doctor who accepts your Medicare plan? It can be a daunting task but don't worry. With Connie Health, you can easily locate Medicare doctors near you.

No more endless phone calls or web searches. Our platform lets you enter your address and plan information (if you have it), and we'll do the rest. Let us help you eliminate the stress of finding a physician who accepts Medicare.

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Frequently Asked Questions

Which doctors near me accept Medicare in Embudo?

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How many people are enrolled in a Medicare Advantage plan in Embudo?

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Who is eligible for Medicare Advantage plans in Embudo?

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Can I buy a Medicare Advantage plan in Embudo?

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What is the best time to enroll in a Medicare Advantage plan in Embudo?

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Can I enroll in a Medicare Advantage plan anytime?

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What is the best Medicare Advantage plan in Embudo?

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How much does a Medicare Advantage plan cost in Embudo?

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How much does Medicare cost in Embudo?

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What is the difference between a Medicare Advantage and Medicare Supplement?

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Can I switch Medicare Advantage plans in Embudo?

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Can I keep my Medicare Advantage plan if I move to a different city in New Mexico?

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Is Humana Gold Plus a Medicare Advantage plan?

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Does Medicare Advantage cover dental in Embudo?

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How to choose a Medicare Advantage plan in Embudo?

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Is Humana Choice PPO a Medicare Advantage plan?

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Does Medicare Advantage cover hearing aids in Embudo?

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How to compare Medicare Advantage plans in Embudo?

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Is Medicare Part C the same as Medicare Advantage?

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What doctors near me accept Medicare in Embudo?

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How do I compare Medicare Advantage plans in Embudo, New Mexico?

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Where can I get more information about Medicare Advantage plans in Embudo, New Mexico?

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Medicare Part D plans may be available in the following zip codes in the Embudo, New Mexico. 87531

Sources:

“Explore your Medicare coverage options.” Medicare.gov.

“MA State/County Penetration.” CMS.gov.

“Monthly MA Enrollment by State/County/Contract.” CMS.gov.7

“Prescription Drug Coverage - General Information.” CMS.gov.

“VA healthcare and other insurance.” U.S. Department of Veterans Affairs (VA.gov).

Last updated: December 11, 2025

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1-888-813-8911 1-888-813-8911