New Mexico Health Insurance
New Mexico HEALTH INSURANCE PROGRAMS
NewMexiKids - For children in families who do not qualify for Medicaid but cannot afford private health insurance, they can receive coverage through NewMexiKids.
Breast and Cervical Cancer Early Detection Treatment Program - Low-income women in New Mexico can receive free mammograms and cervical cancer screening through this program.
Common Health Conditions in New Mexico
- Heart Diseases
- Cancer
- Stroke
- Respiratory diseases.
New Mexico Health Insurance Regulations
New Mexico health insurance policies must contain a provision called the guaranteed renewability provision. This clause ensures your right to renew your New Mexico health insurance policy at the end of its term, provided you have kept up with paying your premiums. Additionally, in New Mexico, insurance policies can contain a provision that excludes pre-existing conditions from coverage, but not for more than 6 months. Medical conditions that you have been diagnosed with 6 months before the effective date of your health insurance policy are considered to be "pre-existing conditions". New pre-existing condition exclusion periods cannot be added if you are switching New Mexico health insurance plans and have had no breaks in your coverage. In these cases, your old policy's exclusion period credits your new policy's required exclusion period, meaning that if you have met the exclusion period in your old policy, you do not have to wait for medical coveragein your new policy. Unless you have violated a policy regulation, no New Mexico health insurance company can refuse to renew your health insurance policy. However, when you are applying for a New Mexico health insurance policy, any insurer is free to refuse you coverage. In fact, New Mexico insurance companies are permitted to deny health insurance coverage on the basis of your health. Although the original premium of an individual New Mexico health insurance policy may vary due to your health status, age, gender, habits, and geographic location, your renewal premium can only increase because of your age and not because of declining health. If you are seeking temporary health insurance because you are anticipating a break in health insurance coverage, conversion policies are a good choice. These New Mexico health insurance policies are available to individuals who have recently left (or are about to leave) a fully insured group policy. Though the price of conversion plans are likely to be higher and the coverage less than your former New Mexico group health insurance policy, conversion policies are intended only to offer adequate insurance in times when you have breaks in between your coverage.
New Mexico
1190 S. St. Francis Dr. Santa Fe, NM 87502
Website: http://www.health.state.nm.us/
Phone: (505) 827-2613
Fax: (505) 827-2530
