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Image by Kendal James
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Health Insurance

For 2020 the Annual Enrollment Period for Individuals and Families runs from November 1st to December 15th 2019. 

Most Family and Individual health plans for those under 65 in New Mexico cannot be purchased outside of The NM Health Insurance Exchange. Qualifying customers could be eligible for a substantial Premium Tax Subsidy. This means you MUST have a Special Enrollment Period or buy during the Annual Enrollment Period Nov 1st to Dec 15th.

 

Receiving a subsidy can significantly reduce the cost of buying the health insurance.  Additionally Cost Savings Reduction Plans (CSR) are available if income requirements are met. With a CSR plan, the cost to USE the plan is reduced an average of 75%!!!

 

Our customers can pick from a variety of plans with different Deductibles, Co-Pays, Yearly Out-of-Pocket Costs, and supplemental benefits like Dental or Vision Coverage.

Native American Health Plans can also be purchased year round, see below for more information. 

The Affordable Care Act

Coverage

  • Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.

  • Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan.

  • Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.

  • Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

Costs

  • Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.

  • Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.

  • Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.

 

Gartner Insurance is the Lead Broker Agency for Northern New Mexico. We will be hosting an Enrollment Event at The Gallup Chamber of Commerce the first week of November.

Look for our Ad's!

We will help you through the Enrollment process, step by step.

When you need: 

  • Individual Plan

  • Family Health Plan

  • Medicare Advantage Plan 

  • Medicare Prescription Drug

  • Medicare Supplement plan 

 

Gartner Insurance can do it all!

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Group Health Insurance

There is power in numbers, especially when it comes to finding affordable health insurance! 

  • Employer pays some or most of the cost.

  • Even if you have pre-existing conditions, the plan cannot deny you.

  • Simple enrollment.

  • Customized plan designs, depending on the number of employees the employer may choose to offer more than one plan 

If you’re an American Indian or an Alaska Native you may purchase Individual Health plans all year long! Contact us today!

 

Some benefits are available to members of federally recognized tribes. Others are available to people of Indian descent or who are otherwise eligible for services from the Indian Health Service, a tribal program, or an urban Indian health program.