Compare & Enroll — Part C & Part D

Compare & Enroll in Medicare Plans in 79922, NM

With 117 Medicare Advantage options from 19 insurers, 79922, NM has significantly more plan choices than the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 91% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. With 10 hospitals within 25.0 miles, most local plan networks should offer strong provider access. We've organized the CMS data below to help you cross-reference plan costs, quality ratings, and local provider access. Compare plans below, and when you're ready, enroll directly at Medicare.gov.

📊 Direct from CMS 🚫 No agents or commissions ✓ Just the data, no sales pitch
Compare Plans at Medicare.gov →

Data freshness: CMS data as of February 2026 • ACS data as of 2023 • Reviewed & approved on 2026-02-16
Reviewed by: Wes Ward, Founder & Data Lead • View our methodology

Important: We are not affiliated with Medicare or any government agency. This site displays publicly available CMS data to help you compare plans. We do not sell insurance or represent any insurance company. For official enrollment and complete plan information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

Important: Plan availability, benefits, and CMS Star Ratings shown here come directly from CMS public files. Plan details can change—always verify with the insurer and at Medicare.gov.
Part C Plans
117
Part D Plans
23
Top MA Star
5.0
Top Drug Star
3.5
Happy senior couple reviewing Medicare plan options together

Medicare Eligibility in 79922, NM

Approximately 2,275 residents (23.4% of the population) in 79922, NM are 65 or older and likely Medicare-eligible. Whether you're approaching 65, already enrolled, or a caregiver comparing options, the plan data below is organized to help you evaluate Part C (Medicare Advantage) and Part D (prescription drug) coverage side by side.

The median household income in 79922, NM is $111,517 (48.4% above the National Average), which may affect eligibility for Extra Help with Part D drug costs.

Part C: Medicare Advantage Plans

Medicare Advantage (Part C) replaces Original Medicare through private insurers who bundle hospital, medical, and often drug coverage into a single plan. 79922, NM's 117 Medicare Advantage plans are a mix leaning toward HMO networks (67 HMO, 48 PPO). 107 plans offer $0 monthly premiums. The average local star rating is 3.8 out of 5, with the top plan earning 5.0 ★.

Top Medicare Advantage Plans in 79922, NM

We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 79922, NM range from $0 to $90/month. Among rated plans, 51 plans rated 4+ stars, including 7 with perfect 5-star ratings.

Highest CMS Star Ratings

Star Ratings are assigned by CMS based on quality measures including customer service, preventive care, and managing chronic conditions.

Plan NameInsurerStar RatingPremiumType
Devoted Giveback 008 Tx (HMO)Devoted Health5.0 ★$0.00/moHMOEnroll
Devoted C-Snp Plus 029 Tx (HMO C-SNP)Devoted Health5.0 ★$0.00/moHMO C-SNPEnroll
Devoted Dual 017 Tx (HMO D-SNP)Devoted Health5.0 ★$0.00/moHMO D-SNPEnroll
Devoted Dual Full 038 Tx (HMO D-SNP)Devoted Health5.0 ★$0.00/moHMO D-SNPEnroll
Devoted Core 007 Tx (HMO)Devoted Health5.0 ★$0.00/moHMOEnroll

Lowest Monthly Premium

Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.

Plan NameInsurerMonthly PremiumMOOPStar Rating
Aarp Medicare Advantage Essentials From Uhc Ep-1 (PPO)Unitedhealthcare$0.00/mo$4,2004.0 ★
Uhc Dual Complete Tx-D001 (PPO D-SNP)Unitedhealthcare$0.00/mo$9,2504.0 ★
Aarp Medicare Advantage From Uhc Tx-0013 (HMO-POS)Unitedhealthcare$0.00/mo$4,2004.5 ★
Humanachoice Giveback H5216-350 (PPO)Humana$0.00/mo$7,9503.5 ★
Uhc Dual Complete Tx-S4 (HMO-POS D-SNP)Unitedhealthcare$0.00/mo$9,2504.5 ★

Lowest Maximum Out-of-Pocket (MOOP)

MOOP caps your financial risk. Once you hit this limit, the plan covers 100% of covered services for the rest of the year.

Plan NameInsurerMOOP (In-Network)PremiumStar Rating
Alignment Health Heart & Diabetes (HMO-POS C-SNP)Alignment Health Plan$2,400$0.00/mo4.0 ★
Alignment Health Dual Select+ (HMO-POS D-SNP)Alignment Health Plan$2,900$0.00/mo4.0 ★
Alignment Health The One + Walgreens (HMO-POS)Alignment Health Plan$2,950$0.00/mo4.0 ★
Humana Gold Plus H4461-061 (HMO)Humana$3,250$0.00/mo4.0 ★
Humana Gold Plus H0028-035 (HMO)Humana$3,350$0.00/mo3.5 ★

Plan Type Mix in 79922, NM

HMO plans require referrals and in-network care. PPO plans offer more flexibility. SNP (Special Needs Plans) serve specific populations. MAPD plans include drug coverage.

Plan TypeCountPercentageDescription
PPO3227.4%No referrals; in and out-of-network
HMO2218.8%Requires referrals; in-network only
HMO D-SNP2117.9%Medicare Advantage plan
HMO C-SNP76.0%Medicare Advantage plan
HMO-POS65.1%HMO with some out-of-network options
HMO-POS D-SNP54.3%Medicare Advantage plan
PPO D-SNP54.3%Medicare Advantage plan
HMO-POS C-SNP43.4%Medicare Advantage plan
Regional PPO43.4%Medicare Advantage plan
Regional PPO C-SNP21.7%Medicare Advantage plan
PFFS21.7%Private Fee-for-Service
PPO I-SNP21.7%Medicare Advantage plan
PPO C-SNP21.7%Medicare Advantage plan
HMO-POS I-SNP10.9%Medicare Advantage plan
Regional PPO D-SNP10.9%Medicare Advantage plan
HMO I-SNP10.9%Medicare Advantage plan

Choosing the Right Medicare Advantage Plan

The best Part C plan depends on your doctors, medications, and budget. Key factors to evaluate:

  • Provider network: Verify your doctors and hospitals near 79922, NM are in-network before enrolling
  • Total cost: A $0 premium may have higher copays—calculate your annual cost
  • Star Ratings: 4+ stars indicate above-average quality and member satisfaction

Read our full guide on choosing Medicare Advantage → · Print our enrollment checklist →
Medicare Glossary: HMO, PPO, MOOP & more →

Medicare Advantage Insurers in 79922, NM

19 insurance companies offer Medicare Advantage plans in 79922, NM. Below, we group plans by insurer so you can compare options from each company. More insurers generally means more competition and better benefits for consumers.

Devoted Health
Avg Star Rating
5.0 ★
11 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Devoted Core 005 Nm (HMO)
$0.00/mo
$4,000
N/A
HMO
Devoted Dual Full 038 Tx (HMO D-SNP)
$0.00/mo
$9,250
5.0 ★
HMO D-SNP
Devoted C-Snp Plus 004 Nm (HMO C-SNP)
$0.00/mo
$9,250
N/A
HMO C-SNP
Devoted C-Snp 007 Nm (HMO C-SNP)
$0.00/mo
$4,300
N/A
HMO C-SNP
Devoted Core 007 Tx (HMO)
$0.00/mo
$3,450
5.0 ★
HMO
Devoted Giveback 008 Tx (HMO)
$0.00/mo
$7,550
5.0 ★
HMO
Devoted Dual 017 Tx (HMO D-SNP)
$0.00/mo
$9,250
5.0 ★
HMO D-SNP
Devoted C-Snp 027 Tx (HMO C-SNP)
$0.00/mo
$3,750
5.0 ★
HMO C-SNP
Devoted C-Snp Premium 028 Tx (HMO C-SNP)
$0.00/mo
$4,250
5.0 ★
HMO C-SNP
Devoted C-Snp Plus 029 Tx (HMO C-SNP)
$0.00/mo
$9,250
5.0 ★
HMO C-SNP
Devoted Giveback 006 Nm (HMO)
$0.00/mo
$7,000
N/A
HMO
Provider Partners Health Plans
Avg Star Rating
4.5 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Provider Partners Texas Advantage Plan (HMO I-SNP)
$0.00/mo
$9,250
4.5 ★
HMO I-SNP
Healthspring
Avg Star Rating
4.3 ★
6 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Healthspring Courage (HMO)
$0.00/mo
$4,300
4.5 ★
HMO
Healthspring Preferred (HMO)
$0.00/mo
$3,500
4.5 ★
HMO
Healthspring Totalcare (HMO D-SNP)
$0.00/mo
$3,400
4.5 ★
HMO D-SNP
Healthspring Preferred Savings (HMO)
$0.00/mo
$6,775
4.5 ★
HMO
Healthspring Preferred Full Savings (HMO)
$0.00/mo
$6,900
4.5 ★
HMO
Healthspring True Choice (PPO)
$0.00/mo
$6,800
3.0 ★
PPO
Unitedhealthcare
Avg Star Rating
4.0 ★
19 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Uhc Complete Care Tx-17 (HMO-POS C-SNP)
$0.00/mo
$4,200
4.5 ★
HMO-POS C-SNP
Aarp Medicare Advantage Patriot No Rx Tx-Ma01 (HMO-POS)
$0.00/mo
$6,700
4.5 ★
HMO-POS
Aarp Medicare Advantage From Uhc Tx-0013 (HMO-POS)
$0.00/mo
$4,200
4.5 ★
HMO-POS
Uhc Dual Complete Tx-V002 (HMO-POS D-SNP)
$0.00/mo
$4,900
4.5 ★
HMO-POS D-SNP
Uhc Complete Care Support Tx-1a (REGIONAL PPO C-SNP)
$0.00/mo
$9,250
3.5 ★
Regional PPO C-SNP
Uhc Dual Complete Tx-S001 (REGIONAL PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
Regional PPO D-SNP
Aarp Medicare Advantage From Uhc Ep-4 (PPO)
$0.00/mo
$4,200
4.0 ★
PPO
Aarp Medicare Advantage Extras From Uhc Ep-3 (PPO)
$0.00/mo
$5,900
4.0 ★
PPO
Aarp Medicare Advantage Giveback From Uhc Ep-2 (PPO)
$0.00/mo
$7,900
4.0 ★
PPO
Uhc Dual Complete Tx-D001 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Aarp Medicare Advantage Essentials From Uhc Ep-1 (PPO)
$0.00/mo
$4,200
4.0 ★
PPO
Uhc Complete Care Support Ep-1a (PPO C-SNP)
$0.00/mo
$9,250
4.5 ★
PPO C-SNP
Uhc Dual Complete Nm-V1 (PPO D-SNP)
$0.00/mo
$4,900
3.5 ★
PPO D-SNP
Uhc Dual Complete Nm-S1 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Uhc Dual Complete Nm-Y1 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Uhc Dual Complete Tx-S4 (HMO-POS D-SNP)
$0.00/mo
$9,250
4.5 ★
HMO-POS D-SNP
Uhc Dual Complete Tx-Q2 (HMO-POS D-SNP)
$0.00/mo
$9,250
4.5 ★
HMO-POS D-SNP
Uhc Complete Care Tx-29 (REGIONAL PPO C-SNP)
$9.10/mo
$7,900
3.5 ★
Regional PPO C-SNP
Uhc Medicare Advantage Tx-0030 (REGIONAL PPO)
$14.60/mo
$8,200
3.5 ★
Regional PPO
Alignment Health Plan
Avg Star Rating
4.0 ★
7 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Alignment Health Heart & Diabetes (HMO-POS C-SNP)
$0.00/mo
$2,400
4.0 ★
HMO-POS C-SNP
Alignment Health Smartsavings (HMO-POS)
$0.00/mo
$6,450
4.0 ★
HMO-POS
Alignment Health Total Dual+ (HMO-POS D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO-POS D-SNP
Alignment Health Dual Select+ (HMO-POS D-SNP)
$0.00/mo
$2,900
4.0 ★
HMO-POS D-SNP
Alignment Health Heart & Diabetes Plus (HMO-POS C-SNP)
$0.00/mo
$8,450
4.0 ★
HMO-POS C-SNP
Alignment Health Smarthmo (HMO-POS)
$0.00/mo
$6,450
4.0 ★
HMO-POS
Alignment Health The One + Walgreens (HMO-POS)
$0.00/mo
$2,950
4.0 ★
HMO-POS
Aetna Medicare
Avg Star Rating
3.8 ★
7 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aetna Medicare Enhanced (PPO)
$0.00/mo
$5,900
3.5 ★
PPO
Aetna Medicare Eagle (PPO)
$0.00/mo
$4,900
3.5 ★
PPO
Aetna Medicare Full Dual Care (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Aetna Medicare Partial Dual Care (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Aetna Medicare Signature (HMO)
$0.00/mo
$9,250
4.0 ★
HMO
Aetna Medicare Prime (HMO)
$0.00/mo
$4,200
4.0 ★
HMO
Aetna Medicare Dual Care (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Humana
Avg Star Rating
3.7 ★
31 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Humana Together In Health (PPO I-SNP)
$0.00/mo
$9,250
3.5 ★
PPO I-SNP
Humanachoice Giveback H5216-350 (PPO)
$0.00/mo
$7,950
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$7,900
3.5 ★
PPO
Humanachoice H5216-196 (PPO)
$0.00/mo
$4,900
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$6,750
3.5 ★
PPO
Humanachoice H5216-043 (PPO)
$0.00/mo
$7,700
3.5 ★
PPO
Humana Gold Plus H4461-061 (HMO)
$0.00/mo
$3,250
4.0 ★
HMO
Humana Gold Plus - Diabetes And Heart (HMO C-SNP)
$0.00/mo
$3,450
4.0 ★
HMO C-SNP
Humana Gold Plus Snp-De H4461-069 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus Snp-De H4461-070 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus - Diabetes And Heart (HMO C-SNP)
$0.00/mo
$3,450
3.5 ★
HMO C-SNP
Humanachoice R4182-001 (REGIONAL PPO)
$0.00/mo
$5,950
3.5 ★
Regional PPO
Humanachoice R4182-003 (REGIONAL PPO)
$0.00/mo
$7,650
3.5 ★
Regional PPO
Humanachoice H5216-353 (PPO)
$0.00/mo
$4,225
3.5 ★
PPO
Humanachoice H7617-063 (PPO)
$0.00/mo
$4,225
4.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$7,900
4.5 ★
PPO
Humanachoice H7617-059 (PPO)
$0.00/mo
$7,700
4.5 ★
PPO
Humanachoice Giveback H7617-041 (PPO)
$0.00/mo
$7,950
4.5 ★
PPO
Humana Gold Plus H0028-035 (HMO)
$0.00/mo
$3,350
3.5 ★
HMO
Humana Gold Plus Snp-De H0028-036 (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Humana Gold Choice H8145-126 (PFFS)
$0.00/mo
$6,700
3.5 ★
PFFS
Humana Gold Choice H8145-084 (PFFS)
$0.00/mo
$6,750
3.5 ★
PFFS
Humana Together In Health (PPO I-SNP)
$0.00/mo
$9,250
3.5 ★
PPO I-SNP
Humanachoice - Diabetes And Heart (PPO C-SNP)
$0.00/mo
$9,250
3.5 ★
PPO C-SNP
Humanachoice H5216-437 (PPO)
$0.00/mo
$4,150
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$6,200
3.5 ★
PPO
Humana Essentials Plus Giveback H5216-435 (PPO)
$0.00/mo
$7,850
3.5 ★
PPO
Humanachoice Giveback H5216-433 (PPO)
$0.00/mo
$7,950
3.5 ★
PPO
Humanachoice R4182-004 (REGIONAL PPO)
$3.90/mo
$7,650
3.5 ★
Regional PPO
Humana Gold Plus H4461-053 (HMO)
$6.30/mo
$3,400
4.0 ★
HMO
Humanachoice H5216-223 (PPO)
$7.40/mo
$4,900
3.5 ★
PPO
Wellcare
Avg Star Rating
3.4 ★
8 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellcare Simple (HMO)
$0.00/mo
$3,900
3.5 ★
HMO
Wellcare Assist (HMO)
$0.00/mo
$3,450
3.5 ★
HMO
Wellcare Dual Liberty (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Wellcare Dual Access (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Wellcare Patriot Simple (HMO)
$0.00/mo
$3,400
3.5 ★
HMO
Wellcare Simple Open (PPO)
$0.00/mo
$5,000
3.0 ★
PPO
Wellcare Giveback (HMO)
$0.00/mo
$6,900
3.5 ★
HMO
Wellcare Dual Reserve (HMO D-SNP)
$0.00/mo
$3,450
3.5 ★
HMO D-SNP
Blue Cross And Blue Shield Of Texas
Avg Star Rating
3.3 ★
2 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Blue Cross Medicare Advantage Basic (HMO)
$0.00/mo
$3,700
3.5 ★
HMO
Blue Cross Medicare Advantage Dual Care Plus (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Wellpoint
Avg Star Rating
3.2 ★
5 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellpoint Dual Advantage (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Wellpoint Medicare Advantage 2 (HMO-POS)
$0.00/mo
$9,250
3.0 ★
HMO-POS
Wellpoint Kidney Care (HMO-POS C-SNP)
$0.00/mo
$9,250
3.0 ★
HMO-POS C-SNP
Wellpoint Dual Advantage 2 (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Wellpoint Full Dual Advantage (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Blue Cross And Blue Shield Of Nm, Tx
Avg Star Rating
3.0 ★
7 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Blue Cross Medicare Advantage Choice Premier (PPO)
$0.00/mo
$5,100
3.0 ★
PPO
Blue Cross Medicare Advantage Dental Premier (PPO)
$0.00/mo
$9,250
3.0 ★
PPO
Blue Cross Medicare Advantage Health Choice (PPO)
$0.00/mo
$6,750
3.0 ★
PPO
Blue Cross Medicare Advantage Balance (PPO)
$11.50/mo
$6,750
3.0 ★
PPO
Blue Cross Medicare Advantage Balance (PPO)
$59.00/mo
$6,750
3.0 ★
PPO
Blue Cross Medicare Advantage Optimum (PPO)
$79.80/mo
$5,750
3.0 ★
PPO
Blue Cross Medicare Advantage Optimum (PPO)
$90.00/mo
$4,250
3.0 ★
PPO
Blue Cross And Blue Shield Of Il, Nm, Ok, Tx
Avg Star Rating
3.0 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Blue Cross Ma Dual Care Plus Preferred (PPO D-SNP)
$0.00/mo
$9,250
3.0 ★
PPO D-SNP
Blue Cross Medicare Advantage Classic (PPO)
$0.00/mo
$7,355
3.0 ★
PPO
Blue Cross Medicare Advantage Preferred (PPO)
$37.30/mo
$8,000
3.0 ★
PPO
Blue Cross And Blue Shield Of New Mexico
Avg Star Rating
3.0 ★
2 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Blue Cross Medicare Advantage Dual Care Plus (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Blue Cross Medicare Advantage Select (HMO)
$0.00/mo
$4,200
3.0 ★
HMO
Presbyterian Health Plan
Avg Star Rating
3.0 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Presbyterian Dual Plus (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Blue Cross And Blue Shield Of Ok, Tx
Avg Star Rating
3.0 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Blue Cross Medicare Advantage Core (HMO)
$0.00/mo
$4,900
3.0 ★
HMO
El Paso Health Medicare Advantage
Avg Star Rating
N/A
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
El Paso Health Medicare Advantage Dual (HMO D-SNP)
$0.00/mo
$8,600
N/A
HMO D-SNP
El Paso Health Total (HMO)
$0.00/mo
$4,000
N/A
HMO
El Paso Health Giveback (HMO)
$0.00/mo
$8,450
N/A
HMO
Procare Advantage
Avg Star Rating
N/A
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Procare Advantage (HMO-POS I-SNP)
$0.00/mo
$9,250
N/A
HMO-POS I-SNP
Molina Healthcare Of Arizona
Avg Star Rating
N/A
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Molina Medicare Complete Care (HMO D-SNP)
$0.00/mo
$9,250
N/A
HMO D-SNP
Molina Healthcare Of Texas, Inc.
Avg Star Rating
N/A
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Molina Medicare Complete Care Plus (HMO D-SNP)
$0.00/mo
$9,250
N/A
HMO D-SNP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Part D: Prescription Drug Plans (PDP)

Part D covers prescription drugs through standalone plans for those on Original Medicare, or as part of a Medicare Advantage bundle. Among the 23 standalone Part D plans in 79922, NM, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 5 plans are at or below the regional premium benchmark, making them eligible for Low Income Subsidy auto-enrollment. The 2026 $2,000 out-of-pocket cap means drug costs are now more predictable regardless of which plan you choose, but formulary coverage still varies significantly—always verify your medications are covered before enrolling.

Part D Formulary Notice: Each Part D plan has its own formulary (list of covered drugs). The same medication may be on different tiers—or not covered at all—depending on the plan. Always check that your specific medications are covered before enrolling.
2026 Out-of-Pocket Cap: Thanks to the Inflation Reduction Act, your total out-of-pocket drug costs are capped at $2,000 per year in 2026. Once you reach this limit, you pay nothing more for covered Part D drugs for the rest of the year. This eliminates the old "donut hole" coverage gap that previously caused higher costs.
Low Income Subsidy (LIS / Extra Help): If you have limited income and resources, you may qualify for Extra Help paying Part D costs. Visit SSA.gov or call 1-800-MEDICARE.

Top Part D Drug Plans in 79922, NM

We organize Part D plans by CMS Star Ratings, premiums, and deductibles so you can find the best fit for your prescription needs. Part D premiums in 79922, NM range from $0 to $167/month. Remember: all Part D plans now cap your annual out-of-pocket drug costs at $2,000 thanks to the Inflation Reduction Act.

Highest CMS Star Ratings (Part D)

Part D Star Ratings measure drug pricing, customer service, member complaints, and pharmacy access.

Plan NameInsurerStar RatingPremiumDeductible
Wellcare Classic (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Value Script (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Value Script (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Silverscript Choice (PDP)Aetna Medicare3.0 ★$94.80/mo$615Enroll

Lowest Monthly Premium

Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.

Plan NameInsurerMonthly PremiumDrug DeductibleStar Rating
Wellcare Classic (PDP)Wellcare$0.00/mo$6153.5 ★
Wellcare Value Script (PDP)Wellcare$0.00/mo$6153.5 ★
Wellcare Value Script (PDP)Wellcare$0.00/mo$6153.5 ★
Aarp Medicare Rx Saver From Uhc (PDP)Unitedhealthcare$0.00/mo$6152.0 ★
Wellcare Classic (PDP)Wellcare$0.00/mo$6153.5 ★

Lowest Annual Drug Deductible

The deductible is what you pay out-of-pocket before the plan starts covering drug costs. The 2026 maximum Part D deductible is $590. Many plans offer $0 deductible options.

Plan NameInsurerDrug DeductibleMonthly PremiumStar Rating
Humana Premier Rx Plan (PDP)Humana$0$75.60/mo3.0 ★
Humana Premier Rx Plan (PDP)Humana$0$118.20/mo3.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$82.30/mo2.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$114.80/mo2.0 ★
Humana Value Rx Plan (PDP)Humana$601$22.90/mo3.0 ★
Understanding drug tiers: Part D plans organize medications into 5 cost tiers — Tier 1 (Preferred Generic) is cheapest; Tier 5 (Specialty) is most expensive. Two plans with the same premium can have very different costs for your drugs depending on tier placement. Learn more about drug tiers →

Choosing the Right Part D Drug Plan

The right Part D plan depends on your specific medications. Key factors to evaluate:

  • Formulary: Verify your drugs are covered before enrolling
  • Preferred pharmacies: Lower copays at certain locations—check your pharmacy is in-network
  • Total annual cost: Premium + deductible + copays for your drugs

Read our full guide on choosing Part D →
What is a formulary? See our Medicare Glossary →

Part D Drug Plan Insurers in 79922, NM

6 insurance companies offer standalone Part D drug plans in 79922, NM. Below, we group plans by insurer.

Wellcare
Avg Star Rating
3.5 ★
4 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Wellcare Classic (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Classic (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Value Script (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Value Script (PDP)
$0.00/mo
$615
3.5 ★
PDP
Humana
Avg Star Rating
3.0 ★
6 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Humana Basic Rx Plan (PDP)
$0.00/mo
$615
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$22.90/mo
$601
3.0 ★
PDP
Humana Basic Rx Plan (PDP)
$41.70/mo
$615
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$69.60/mo
$601
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$75.60/mo
$0
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$118.20/mo
$0
3.0 ★
PDP
Aetna Medicare
Avg Star Rating
3.0 ★
2 plans
From $94.80/mo
Plan
Premium
Deductible
Stars
Type
Silverscript Choice (PDP)
$94.80/mo
$615
3.0 ★
PDP
Silverscript Choice (PDP)
$104.00/mo
$615
3.0 ★
PDP
Healthspring
Avg Star Rating
2.5 ★
3 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Healthspring Assurance Rx (PDP)
$0.00/mo
$615
2.5 ★
PDP
Healthspring Extra Rx (PDP)
$70.00/mo
$615
2.5 ★
PDP
Healthspring Assurance Rx (PDP)
$111.40/mo
$615
2.5 ★
PDP
Blue Cross And Blue Shield Of Il, Nm, Ok, Tx
Avg Star Rating
2.0 ★
4 plans
From $104.70/mo
Plan
Premium
Deductible
Stars
Type
Blue Cross Medicarerx Basic (PDP)
$104.70/mo
$615
2.0 ★
PDP
Blue Cross Medicarerx Value (PDP)
$111.30/mo
$615
2.0 ★
PDP
Blue Cross Medicarerx Basic (PDP)
$145.40/mo
$615
2.0 ★
PDP
Blue Cross Medicarerx Value (PDP)
$167.40/mo
$615
2.0 ★
PDP
Unitedhealthcare
Avg Star Rating
2.0 ★
4 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Aarp Medicare Rx Saver From Uhc (PDP)
$0.00/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$82.30/mo
$130
2.0 ★
PDP
Aarp Medicare Rx Saver From Uhc (PDP)
$89.20/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$114.80/mo
$130
2.0 ★
PDP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Ready to Enroll in 79922, NM?

Compare plans side-by-side at Medicare.gov or speak with a licensed Medicare specialist.

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Pharmacy Access in 79922, NM

Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 79922, NM.

Total Pharmacies

23
within 5.0 miles

Chain Pharmacies

13
CVS, Walgreens, etc.

Independent Pharmacies

10
locally owned
PharmacyAddress & PhoneDistanceType
SAMS EAST INC7970 N MESA ST EL PASO, TX 799321626📞 915-558-06261.1 miIndependent
WALGREEN CO8050 N MESA ST EL PASO, TX 799321645📞 915-558-04911.1 miChain
WAL-MART STORES TEXAS LLC7555 N MESA ST EL PASO, TX 799123505📞 915-583-43321.2 miChain
NAJERAUSA INTERNATIONAL7430 REMCON CIR EL PASO, TX 799123514📞 915-576-69001.3 miIndependent
EL PASO COUNTY HOSPITAL DISTRICT6600 NORTH DESERT BLVD EL PASO, TX 79912📞 915-552-22631.3 miIndependent
AMERITA, INC.7338 REMCON CIRCLE EL PASO, TX 799121637📞 915-561-55801.4 miIndependent
WAL-MART STORES TEXAS LLC1110 SUNLAND PARK DRIVE EL PASO, TX 79922📞 915-535-28151.7 miChain
ALBERTSONS LLC7022 N MESA ST EL PASO, TX 799123649📞 915-558-94812.0 miChain
MT. CRISTO PHARMACY LLC1155 MCNUTT RD STE 110 SUNLAND PARK, NM 880639175📞 575-533-93932.0 miIndependent
CVS PHARMACY INC801 SUNLAND PARK DR EL PASO, TX 799125209📞 915-525-47442.2 miChain

Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.

Local Healthcare Access in 79922, NM

Before choosing a plan, consider the healthcare infrastructure in 79922, NM. Medicare Advantage plans restrict you to in-network hospitals, so understanding local hospital quality helps you pick the right plan — not just the cheapest one.

Note: The facilities below do not indicate which providers are in-network for any specific plan. Always verify network status with your plan before enrolling.

Hospitals Nearby

10
within 25.0 miles

Top-Rated Hospitals near 79922, NM

If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 79922, NM — click a hospital name to see its full profile and verify it's in your plan's network.

View all 10 hospitals near 79922, NM to check quality before you enroll →

Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 79922, NM.

Questions to ask your doctor about Medicare coverage →

Telehealth in 79922, NM: Is Your Internet Ready?

Many Medicare Advantage and some Part D plans now include telehealth benefits, making routine check-ins and prescription refills easier from home. But telehealth requires reliable internet—here's a look at connectivity in 79922, NM. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.

Internet Coverage in 79922, NM

Fiber Available
62.1%
of households
Cable/DSL Available
98.7%
of households
Top Provider
AT&T
94.3% coverage
No Broadband
2.1%
of households

Internet coverage data from ISP Reports. View full internet report for 79922, NM.

Medicare-Relevant Demographics in 79922, NM

Understanding 79922, NM's demographics helps contextualize why insurers offer the plans they do. Areas with more seniors and higher incomes tend to attract more insurer competition, while areas with higher Medicaid enrollment may have more Dual-Eligible Special Needs Plans (D-SNP) available.

Total Population
9,735
Population 65+
2,275
23.4% of total
Median Age
36
1.7 years younger than the national average
Median Income
$111,517
48.4% above the National Average
On Medicare
1,677
17.2% of residents
On Medicaid
1,047
10.8% of residents
Uninsured
2,353
24.2% of residents
Social Security Recipients
3,313
34.0% of population

Demographic data from U.S. Census Bureau American Community Survey (2023). View full 79922, NM demographics (BestNeighborhood.org).

Local Medicare FAQ: 79922, NM

Common decision points based on 79922, NM's specific plan market and local healthcare landscape.

How does 79922, NM's Medicare Advantage market compare?

79922, NM has 117 Medicare Advantage plans from 19 insurers. This is significantly above the national average of approximately 57 plans per area, indicating a highly competitive local market. More competition typically means lower premiums and better supplemental benefits for beneficiaries. The local mix includes 67 HMO and 48 PPO plans. Plan availability updates annually during the Medicare Annual Enrollment Period (October 15 – December 7).

Should I choose an HMO or PPO Medicare Advantage plan in 79922, NM?

With 10 hospitals within 25.0 miles, 79922, NM has strong provider density. HMO plans (67 available) typically have lower premiums but require referrals and in-network care. PPO plans (48 available) offer more flexibility to see out-of-network providers at higher cost. In 79922, NM, HMO plans dominate the market, which often means more competitive HMO pricing. Always verify your doctors are in-network before enrolling in any plan.

What's the real cost of $0 premium plans in 79922, NM?

107 plans (91% of available options) in 79922, NM charge $0 beyond the standard Part B premium. This high percentage reflects strong insurer competition in the area. However, $0 premium doesn't mean $0 cost. These plans may have higher copays, coinsurance, or out-of-pocket maximums. In 79922, NM, maximum out-of-pocket limits range from $2,400 to an average of $6,795. We recommend calculating your total expected annual cost (premium + copays + drug costs) rather than choosing based on premium alone.

How does the 2026 $2,000 drug cap affect 79922, NM beneficiaries?

The Inflation Reduction Act capped annual out-of-pocket drug spending at $2,000 starting in 2025, eliminating the old "donut hole" coverage gap. This applies to all 23 standalone Part D plans in 79922, NM.

What this means locally:

  • Cost predictability — No matter which of the 23 Part D plans you choose, your drug costs are capped at $2,000/year
  • $0 deductible options — Some local plans offer $0 deductibles, meaning coverage starts immediately
  • Low-income options — 5 plans meet the regional benchmark for Extra Help/LIS eligibility

While the out-of-pocket cap standardizes maximum costs, formulary coverage still varies significantly between plans. A drug that costs $5/month on one plan's formulary might cost $50 on another. Always check that your specific medications are covered and compare tier placement before enrolling.

See all Medicare FAQs in our complete guide → · Enrollment checklist →
Medicare Glossary · Enrollment Dates & Deadlines · Doctor Questions

About the Data & Editorial Team

Wes Ward

Wes Ward

Founder & Data Lead

Wes Ward is the founder of InsuranceDataNow.org and reviews all content for data accuracy and methodology compliance.

With 25+ years in data analytics — including work with highly regulated genomic data at Ancestry.com — Wes brings enterprise-level rigor to consumer data tools. He is also a co-founder of BestNeighborhood.org, CrimeGrade.org, and ISPReports.org.

Role: Reviews and approves all content for data accuracy, source verification, and methodology compliance.

View full profile →LinkedIn

Transparency & Disclosures

InsuranceDataNow is an advertising-supported publisher based in South Jordan, Utah. We are not affiliated with or endorsed by Medicare or the U.S. government.

TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (24 hours a day/7 days a week) to get information on all of your options.

Sources

All data is sourced from official government databases and trusted third-party providers. Data is updated regularly—see page header for last refresh dates.

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