Independent Medicare help · Albuquerque, NM
Medicare, made simple — right here in New Mexico.
Straight answers on Medicare Advantage, Medigap and Part D from an independent, licensed New Mexico advisor. No pressure, and no cost to you — insurance companies pay our fee.
What's your ZIP code?
We start local — plan availability is set by your county.
How old are you?
This tells us which coverage window you're in.
Which best describes you?
Pick one — you can change this anytime.
How often do you see doctors?
Helps us weigh networks vs. freedom.
Do you take prescriptions?
We match your drugs to the lowest-cost plan.
No cost, no pressure. We do not offer every plan available in your area — for all options visit Medicare.gov or call 1-800-MEDICARE.
How we help
Everything you need, handled with care
Navigate Medicare “red tape”
Parts A, B, C and D, deadlines and paperwork — we translate it all into plain English and handle the legwork.
Understand all your options
Advantage, Supplement (Medigap) and Part D, compared side by side so you can choose with confidence.
Avoid lifetime “gotcha” penalties
Miss a window and you can pay more for the rest of your life. We make sure you enroll on time, every time.
A custom plan for lifetime care
We match coverage to your doctors, prescriptions and budget — and review it every year as your needs change.
All at no cost to you.
How it works
Get the right Medicare plan in 3 steps
Schedule a free conversation
Tell us your doctors, prescriptions and budget. No cost, no pressure — ever.
Get a personal plan comparison
We compare the Medicare Advantage, Medigap and Part D plans we offer against your needs.
Enroll & get ongoing support
We handle enrollment and stay your local advisor for claims, appeals and annual reviews.
Our services
Explore services, plans & options
Medicare Enrollment Assistance
Turning 65 or new to Medicare — we guide every step of your Initial Enrollment.
Plan Comparison
Advantage vs. Supplement vs. Part D, compared for your exact situation.
Annual Coverage Review
Plans change yearly. We check yours every fall so you never overpay.
Claims Support & Appeals
A real, local advocate for when something goes wrong.
Keep Your Doctor
We help confirm your providers and prescriptions are covered before you switch.
Drug Cost Review
Make sure your prescriptions are covered at the lowest cost we can find for you.
Coverage
Medicare products we offer
Medicare Advantage
Medicare Supplement (Medigap)
Part D Prescription Drug Plans
Dental, Vision & Hearing
Hospital Indemnity
Life & Final Expense
Meet your advisor
A real New Mexico advisor — not a 1-800 call center.
When you call, you reach Brian Penner — an independent, licensed Medicare advisor who takes the time to make sure you understand every option before you decide. Same person every year at renewal, with your best interest first.
Local data · every New Mexico county
Your county’s health picture
The right Medicare plan depends on what’s common where you live — drug formularies, specialist networks and extra benefits all matter more when a condition is widespread in your county. Enter your ZIP or pick your county to see the local numbers.
Bernalillo County, New Mexico
Source: CDC PLACES county estimates, 2023 data year — crude prevalence among adults 18+. Full dataset for all 33 counties: county-health.json.
Resources
Latest Medicare guidance
How Much Does Cataract Surgery Cost With Medicare in New Mexico?
With Original Medicare you pay the $283 Part B deductible (2026), then 20% of the approved amount to both the surgeon and the facility. In New Mexico's 2024 Medicare claims, 5,884 people had standard cataract surgery; the surgeon's average approved fee was $787 and a hospital outpatient department's was $1,781, so 20% of both is about $514 per eye. Premium multifocal or toric lenses cost extra and Medigap won't pay the difference; laser surgery costs the same to Medicare. What to check in a 2027 plan if surgery is coming.
Read →
Does Medicare Cover Dialysis in New Mexico?
Yes. Kidney failure qualifies you for Medicare at any age, and coverage usually starts on the first day of the fourth month of dialysis, or the first month with home dialysis training. Part B pays 80% after the $283 deductible (2026); your 20% has no yearly cap unless Medigap, Medicaid or a Medicare Advantage plan limits it. CMS lists 60 Medicare-certified dialysis facilities in New Mexico, in 20 of 33 counties, with none in 13. What to check in a 2027 plan: your center, your nephrologist, the out-of-pocket maximum and rides.
Read →
PACE Program in Albuquerque: Who Qualifies and What It Costs
New Mexico has one PACE program, InnovAge New Mexico PACE, run from a center in Albuquerque, with 411 participants in Bernalillo, Sandoval and Valencia counties in CMS's September 2026 count. It is for people 55 and older whom the state finds need nursing-home level care but who can live at home with help. With Medicaid there is no monthly premium; with Medicare only there is one. Either way there are no copays for approved care. The trade-off: PACE becomes your only provider. You can join or leave in any month, which matters if a Presbyterian plan is ending.
Read →Got questions?
We have lots of great answers
What if I’m already on Medicare?
We can still help — at no cost. We’ll review your current coverage, check that your doctors and prescriptions are covered, and compare it against the plans we offer to see if you could be paying less or getting more.
Do you charge for your time?
No. Insurance companies pay our fee, so you don’t pay a thing for our services. You get unbiased, local guidance at no cost to you.
What are “lifetime penalties”?
If you don’t enroll in Medicare Part B or Part D when you’re first eligible (and don’t have other qualifying coverage), you can owe a permanent late-enrollment penalty added to your premium for as long as you have Medicare. We make sure you enroll in the right window so you avoid them.
Is it true I could lose my doctor?
Some Medicare Advantage plans use provider networks, so the wrong plan could mean your doctor is out of network. Before you enroll, we confirm your physicians and prescriptions are covered by the plan you choose.
What about additional coverages?
Beyond core Medicare, we can help with dental, vision and hearing, hospital indemnity, and life or final-expense coverage — so the gaps Medicare leaves are covered too.
Let’s connect
Get your free, personalized Medicare roadmap from a local advisor who has your back.
Content reviewed by Brian Penner, Independent Medicare advisor — no pressure.