Medicare Advantage Plans in Santa Fe County, NM:
Your Complete 2025 Guide
For 2025, residents of Santa Fe County, NM can choose from 30 Medicare Advantage plan options. Of these, 22 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 12,366, with 17% of plans achieving 4 stars or better. This page and its statistics exclude Special Needs Plans (SNPs). See Medicare Special Needs Plans available in Santa Fe County, NM.
Last update: . Enrollment data last updated: September 16, 2025
* CMS rates Medicare Advantage plans annually using a 5-star system. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. While using out-of-network doctors or hospitals usually means higher costs, PPOs may appeal to people who want more flexibility in how they access their healthcare.
- Total PPO Plans
- 18
- Average Premium
- $10.72/mo
- Beneficiaries Enrolled
- 5,765
- $0 Premium PPOs
- 13
- Average MOOP
- $5,920
- Most Popular PPO
- AARP Medicare Advantage from UHC NM-0002 (PPO) with 1,546 enrollees
- PPOs Without Drug Coverage
- 3
What is the average monthly premium for PPO plans in Santa Fe?
On average, PPO plans in Santa Fe cost $10.72 per month.
Which PPO plan has the highest enrollment in Santa Fe?
The most popular PPO in Santa Fe is AARP Medicare Advantage from UHC NM-0002 (PPO), covering 1,546 beneficiaries.
How many PPO plans in Santa Fe do not include prescription drug coverage?
3 PPO plans available in Santa Fe do not include Part D benefits.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use doctors, hospitals, and other providers within the plan’s network, except in emergencies. Because of this structure, HMOs often come with lower premiums and out-of-pocket costs compared with other plan types.
- Total HMO Plans 9
- Average Premium $14.42/mo
- Beneficiaries Enrolled 5,878
- $0 Premium HMOs 7
- Average MOOP $4,372
- Most Popular HMO Humana Gold Plus H0028-019 (HMO) with 2,215 enrollees
- HMOs Without Drug Coverage 2
| HMO Plan Name | Rating* | Premium | MOOP | Rx Ded. |
|---|---|---|---|---|
| CHRISTUS Health Medicare Guardian | $0 | $4,900 | N/A | |
| CHRISTUS Health Medicare Plus | $0 | $4,000 | $0 | |
| Humana Gold Plus H0028-019 | $0 | $4,150 | $0 | |
| Blue Cross Medicare Advantage Select | $0 | $3,900 | $0 | |
| Presbyterian Senior Care AssistPlus Plan with Rx | $12 | $5,000 | $590 | |
| Presbyterian Senior Care Plan 1 | $0 | $4,250 | N/A | |
| Presbyterian Senior Care Plan 2 with Rx | $0 | $5,000 | $0 | |
| Presbyterian Senior Care Plan 3 with Rx | $118 | $3,750 | $0 | |
| Cigna Preferred Medicare | $0 | $4,400 | $0 |
What is the top HMO by enrollment in Santa Fe?
Humana Gold Plus H0028-019 (HMO) is the most popular HMO plan in Santa Fe, with 2,215 enrollees.
What is the number of HMO plans without Part D coverage in Santa Fe?
2 HMO plans in Santa Fe do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, but they also permit some use of out-of-network doctors and hospitals. Those services are generally more expensive, but the added access can be valuable for people who don’t want to be fully limited to a single network.
- Total HMO-POS Plans
- 2
- Average Premium
- $0.00/mo
- Beneficiaries Enrolled
- 694
- $0 Premium HMO-POS
- 2
- Average MOOP
- $4,900
- Most Popular HMO-POS
- Presbyterian UltraFlex (HMO-POS) with 403 enrollees
- HMO-POS Without Drug Coverage
- 0
| HMO-POS Plan Name | Rating* | Premium | MOOP | Rx Ded. |
|---|---|---|---|---|
| AARP Medicare Advantage from UHC NM-0010 | $0 | $4,100 | $340 | |
| Presbyterian UltraFlex | $0 | $5,700 | $0 |
What is the typical premium for HMO-POS plans in Santa Fe?
On average, HMO-POS plans in Santa Fe cost $0.00 per month.
Which HMO-POS plan has the most members in Santa Fe?
The leading HMO-POS in Santa Fe is Presbyterian UltraFlex (HMO-POS), with 403 members.
How many HMO-POS options are offered without prescription drug coverage in Santa Fe?
There are 0 HMO-POS plans in Santa Fe without Part D benefits.
Medicare Advantage PFFS Plans
PFFS, or Private Fee-for-Service plans, allow access to any Medicare-approved doctor or hospital that accepts the plan’s terms. They provide wide flexibility in choosing providers, but it’s essential to verify that your preferred healthcare professionals agree to the plan’s payment rules before scheduling care.
| PFFS Plan Name | Rating* | Premium | MOOP | Rx Ded. |
|---|---|---|---|---|
| Humana Gold Choice H8145-164 | $31 | $6,700 | $300 |
What is the total number of PFFS plans in Santa Fe?
In 2025, Santa Fe has 1 PFFS plans with 29 members.
How much do PFFS plans cost on average in Santa Fe?
The mean monthly PFFS premium is $31.00, and 0 have no premium.
The table below shows the quality ratings for Medicare Advantage plans offered in Santa Fe County, NM for 2025.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 5 | 17% |
| 3 Stars | 24 | 80% |
| Below 3 Stars | 1 | 3% |
| Not Rated | 0 | 0% |
| Average Rating | 3.35 | |
Medicare Advantage comes with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Key Medicare Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window starts three months before the month you turn 65 and ends three months after. It’s the first time you can sign up for Medicare and, if you choose, a Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Each year from January 1 through March 31, you may change to another Medicare Advantage plan or drop your plan and return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): This yearly window, running October 15 to December 7, gives you the opportunity to join, switch, or drop Medicare Advantage and Part D plans. Learn more
- Special Enrollment Periods (SEPs): Certain qualifying events, such as a change in residence or loss of existing coverage, may allow you to enroll in or change Medicare Advantage plans outside of the usual enrollment windows. Learn more
Enrollment Options Explained
- Talk with a Licensed Agent: Licensed agents at HealthCompare can explain your Medicare Advantage choices. Reach them at 1-833-748-3201 (TTY 711), Monday–Friday 5am–6pm and Saturday 6am–5pm PST.
- Contact the Plan Provider Directly: You may enroll through a plan provider’s website or speak with their customer support staff to complete your application.
- Use Medicare.gov: Visit Medicare.gov to shop for plans, review benefits, and submit your enrollment electronically.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Cerrillos, Edgewood, Santa Fe, Glorieta, Santa Cruz, and all other areas of Santa Fe County, New Mexico.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
CMS Plan IDs Presented
The Medicare Advantage plan pages listed in the tables above include localization to assist beneficiaries with plans available in their service area. However, most Part C plans are available in more than one service area, which can lead to confusion. The following list of CMS IDs links to our master plan pages without localization.
- CMS.gov, Landscape Source Files — Last accessed September 13, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed September 13, 2025
- CMS.gov, Plan Benefits Package — Last accessed September 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed September 16, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content managed by David Bynon, Medicare Analyst.