Medicare Advantage

Medicare and Medicaid in New Mexico: 10 Dual Special Needs Plans for 2027

SANTA FE, N.M. — For 2027, New Mexicans who have both Medicare and Medicaid will be able to choose from 10 Dual Special Needs Plans (D-SNPs) when the Annual Enrollment Period for Medicare opens October 15, 2026. Those 10 plans are part of the 61 Medicare Advantage plans listed statewide for the plan year, according to the CMS Medicare Advantage Landscape Source File for 2027.

D-SNPs are a specific type of Medicare Advantage plan built for people who qualify for both programs. The statewide number tells you how many distinct D-SNPs are listed somewhere in New Mexico; it does not tell you how many are available in your county. Availability is set county by county, and the plan you see in Bernalillo may not be the plan a cousin sees in San Juan or Doña Ana.

What is a D-SNP in New Mexico and who qualifies in 2027?

A Dual Special Needs Plan is a Medicare Advantage plan that only enrolls people who have both Medicare and Medicaid, and it coordinates care across the two programs. In New Mexico for 2027, eligibility to join a D-SNP is confirmed by the state Medicaid agency, which determines whether a person has full dual eligibility (full Medicaid benefits plus Medicare) or partial dual eligibility (help from Medicaid with Medicare premiums or cost sharing, through a Medicare Savings Program).

Different D-SNPs are designed for different dual-eligible categories, so two neighbors can both be "dual eligible" and still qualify for different plans. All 10 D-SNPs listed for New Mexico in 2027 include drug coverage, according to the CMS Landscape file. Specific benefits, networks, drug lists and costs are not covered here and should be checked on the Medicare Plan Finder or in each plan's own Evidence of Coverage.

How many D-SNPs are offered in New Mexico for 2027, and which carriers offer them?

For 2027, 10 of the 61 Medicare Advantage plans in New Mexico are D-SNPs. The CMS Landscape file also lists 12 Chronic Condition Special Needs Plans (C-SNPs) and 0 Institutional Special Needs Plans (I-SNPs) in the state.

Four carriers offer the 10 D-SNPs statewide: Blue Cross Blue Shield (HCSC) with 2 plans, Molina Healthcare of New Mexico with 1 plan, Presbyterian Health Plan with 3 plans, and UnitedHealthcare with 4 plans. The full list — including the Blue Cross Medicare Advantage Dual Care and Dual Care Plus plans, Molina Medicare Complete Care, the three Presbyterian Dual Plus plans, and the UHC Dual Advantage NM-V1, UHC Dual Complete NM-Q1 and two UHC Dual Complete NM-S2 plans — is rendered as a table on this page, with county counts next to each entry.

Several of these are new for the 2027 plan year, including the two Blue Cross Dual Care plans, Molina Medicare Complete Care, and the two UHC Dual Complete NM-S2 plans. Two UnitedHealthcare plans were renamed from 2026: UHC Dual Advantage NM-V1 (previously UHC Dual Complete NM-V1) and UHC Dual Complete NM-Q1 (previously UHC Dual Complete NM-S1). A rename does not by itself change what a plan covers; the Evidence of Coverage for 2027 is the document that spells that out.

How often can a dual-eligible person in New Mexico change plans in 2027?

People in New Mexico who have both Medicare and Medicaid generally get more chances to change Medicare Advantage or Part D plans than people with Medicare alone. Beyond Annual Enrollment 2027 (October 15 – December 7, 2026, effective January 1, 2027) and the Medicare Advantage Open Enrollment Period that runs January 1 – March 31, 2027, dual-eligible individuals typically qualify for a Special Enrollment Period that lets them make a change once per calendar quarter during the first three quarters of the year, under current Medicare rules.

If someone's Medicaid status changes — for example, they gain, lose or have a change in their level of Medicaid — that itself can open a Special Enrollment Period. The best way to confirm which window applies to a specific situation is to call 1-800-MEDICARE or check medicare.gov.

How do I check which D-SNPs are offered in my New Mexico county for 2027?

To see which of the 10 D-SNPs are available in a specific New Mexico county for 2027, use the Medicare Plan Finder at medicare.gov and enter your ZIP code, or call 1-800-MEDICARE (TTY 1-877-486-2048), which is open 24 hours a day, 7 days a week. The CMS Landscape file shows that D-SNP footprints vary across the state: some plans are listed in 33 of New Mexico's counties, others in 28, 20, 8 or 5 counties.

That is why a statewide count of 10 is a ceiling, not a menu. A reader in one county might see several D-SNPs listed; a reader in another county might see fewer. The table on this page shows the county count for each plan as filed with CMS; the Plan Finder shows the specific plans for a specific address.

Where can New Mexicans get free help comparing D-SNPs for 2027?

Free, non-sales help is available from Medicare directly. Medicare.gov hosts the official Plan Finder, where a reader can enter a ZIP code and see the Medicare Advantage, D-SNP and stand-alone drug plans available at that address for 2027, along with each plan's own cost and benefit details. 1-800-MEDICARE (TTY 1-877-486-2048) is staffed 24/7 and can walk through options over the phone.

For questions about Medicaid eligibility specifically — whether someone is full or partial dual eligible, and under which category — the New Mexico Medicaid agency is the office that makes that determination. A D-SNP cannot enroll someone whose dual status has not been confirmed.