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Just a very short diary for my New Mexico compadres:

Here are the plans and rates for all of New Mexico:

http://nmhealthratereview.com/...

There is a link to the premium amounts on the top left.  It is NOT enough information to tell your total costs, but it is enough to compare plans and determine which ones are a better deal.  I would suggest using this to get informed on your choices, and then go see an insurance agent.  DO NOT bother with healthcare.gov - integration with NMHIX is broken, at least for me.

Note that these costs are without any subsidies applied.  

New Mexico is a Medicaid expansion State.  If you're making less than 133% of the poverty line, ignore all this and sign up for Medicaid.  I'm not sure what the process is for that, but don't bother going through Healthcare.gov.  Try calling the NM Human Services Department, 1-888-997-2583

One thing that sticks out is that Albuquerque appears to have the cheapest rates, while rural areas seem to have the most expensive.

Originally posted to jvance on Sat Oct 12, 2013 at 08:29 PM PDT.

Also republished by New Mexico Kossaks.

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Comment Preferences

  •  Tip Jar (17+ / 0-)

    Economic Left/Right: -7.38
    Social Libertarian/Authoritarian: -8.00
    Two steps to the right of Trotsky.

    by jvance on Sat Oct 12, 2013 at 08:29:48 PM PDT

  •  NM isn't the only place with higher rural rates (2+ / 0-)
    Recommended by:
    la urracca, Creosote

    CA also has much higher rates in the rural areas of the state than the big cities.  There are 19 regions and the ones with the least number of people are much higher than the big cities.

    This is new for both Blue Cross and Blue Shield because in the rural areas that rates used to be lower than the big cities.

    Also doctors and other care givers have been paid less in the rural areas.  The doctors have complained about this for years because even office space isn't that much different in cost from many of the cities.

    Congressional elections have consequences!

    by Cordyc on Sat Oct 12, 2013 at 10:30:43 PM PDT

  •  I've been having better luck with ACA-NM. (2+ / 0-)
    Recommended by:
    marykk, rbird

    I registered a week ago in the early morning hours but I couldn't get to the page that shows insurance plans. I read the small print at the federal website about deleting cookies etc. So I clicked on my Google Chrome button to default my settings and delete cookies. I got right back in to my application. There are still bugs but it is working better for me. Thanks for the insurance information!

  •  How to value ACA Exchange Plans (0+ / 0-)

    How Narrow Networks affect Doctor Specialties is a study of WA exchange plans.  What is useful is the description of how you can find out availability of providers and possible out of network costs.

    Most coverage of ObamaCare (ACA) policies available through the Exchanges, especially Democratic-friendly coverage, has focused on the price of policies, rather than their value. This post focuses on value, and shows why the distinction between “in-network” and “out-of-network” coverage is important. At least in the case tested here, insurance companies are shown to “narrow” their networks, and hence the coverage available to their policyholders, to exclude specialties like oncology, cardiology, internal medicine, and
    neurology.  ...
    Bending the “cost curve” in this way appears to also bend “the care curve”
    As you can see from my results, the most under-represented specialties (on the left) are the ones that typically provide services to truly sick patients, such as oncology, cardiology, internal medicine, neurology. And no doctor specialty has more than about 75% representation on the Exchange provider networks. Hospitals are also included on the right of the graph. Their numbers are diminished in the Premera Exchange plan network via excluding specialty hospitals that are crucial to good care in this region, such as Children’s Hospital and the Seattle Cancer Care Alliance.
    This information is even more important than the premium costs.  You can be in the deep water when you need care if you are not diligent.
  •  Careful about going to an insurance agent (2+ / 0-)
    Recommended by:
    True North, rbird

    As I understand it, you must sign up through the websites (federal or state ) or through an approved navigator to sign up for the the exchange programs in order to get your subsidy if you qualify. If you sign up with an insurance agent for what sounds like a similar policy, you may not be eligible for the subsidy. I think this is also true in New Mexico. You can do a lot of the paperwork offline by calling I think - and by finding and going local organizations that have approved navigators. Good luck!

    "Tyranny, like hell, is not easily conquered; yet we have this consolation with us, that the harder the conflict, the more glorious the triumph." (T. Paine)

    by dmmteacher on Sun Oct 13, 2013 at 06:55:36 AM PDT

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