NMRHCA NMRHCA
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NMRHCA

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Business Details
36 Years
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Emergency
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Your Trusted Retiree Health Care Provider in New Mexico
Established in 1990, we are dedicated to providing comprehensive health care coverage to retirees of state agencies and participating public entities. Our mission is to foster quality of life and peace of mind by responsibly administering affordable, secure health care benefits for public retirees and their families. Governed by an 11-member Board of Directors, we serve approximately 64,000 retirees and dependents through medical, dental, vision, and life insurance plans. Over the past three decades, we have addressed significant financial challenges by adjusting subsidy levels, premiums, and plan designs while securing legislative support to extend solvency through 2050. Our team remains committed to transparency, fiscal responsibility, and advocacy for long-term stability.

We work closely with participating employers, including cities, counties, universities, and charter schools, to ensure sustainable benefits for future generations. Our 24/7 hotlines and partnerships with major insurers like Blue Cross Blue Shield, United Healthcare, and Humana provide continuous support for members. Despite ongoing challenges, we prioritize member needs through innovative wellness programs and community engagement. Our experience in navigating complex financial landscapes positions us to deliver reliable coverage amid rising healthcare costs. We remain steadfast in our pursuit of legislative reforms to secure the programs future while maintaining trust and accountability.
Services
Medical Plans Dental Insurance Vision Coverage Life Insurance Wellness Programs Medicare Coordination Employer Partnerships 24/7 Member Support Financial Counseling HIPAA Compliance
Details
  • Year established: 1990
Highlights and features
  • We have over 30 years of experience managing retiree health care programs.
  • Our board governance ensures fiscal responsibility and transparency.
  • We offer 24/7 support through partnerships with major insurers.
  • Our wellness programs address the unique needs of retirees.
  • We advocate for legislative reforms to protect long-term benefits.
Services
Medical Plans
We provide comprehensive medical coverage for non-Medicare and Medicare-eligible retirees, including hospitalization, prescriptions, and preventive care. Our plans coordinate with major insurers to ensure broad network access. Members benefit from cost-sharing subsidies and tailored benefit designs to meet diverse health needs.
Dental Insurance
Our dental plans offer preventive, restorative, and emergency care services for retirees and dependents. Coverage includes cleanings, fillings, dentures, and oral surgery with access to in-network providers. We emphasize preventive care to reduce long-term costs and improve member health outcomes.
Wellness Programs
We administer wellness initiatives focused on chronic disease management, fitness incentives, and health education. Programs like BCBS Member Wellness and Humana Member Wellness promote active aging. These initiatives aim to lower claims costs while enhancing quality of life for participants.
24/7 Member Support
Our 24/7 hotlines provide immediate access to nurse advice lines and urgent care guidance. Partnerships with Blue Cross Blue Shield, United Healthcare, and Humana ensure round-the-clock support. This service helps members navigate emergencies and access appropriate care at any time.
Employer Partnerships
We collaborate with 302 public entities, including cities and universities, to offer subsidized health benefits for retirees. Employers contribute 2-2.5% of salaries toward coverage, with employees paying 1-1.25%. These partnerships ensure sustainable funding and broad participation across New Mexico.
Questions
Who is eligible for NMRHCA benefits?
You’re eligible if you retired from a participating employer and contributed to NMRHCA for at least five years.
What health plans do you offer?
We provide medical, dental, vision, and life insurance plans for retirees and dependents, including Medicare coordination.
How is NMRHCA funded?
We rely on employer/employee contributions (3% total), investment returns, and legislative reforms to maintain solvency.
What wellness programs are available?
We offer BCBS, Humana, and United Healthcare wellness initiatives focused on preventive care and chronic disease management.
Reviews (3)
Janie Estrada-Martinez
Oct 16, 2021 Report
Critical:Responsiveness
Trying to register for a webinar. Address given sends you somewhere to purchase a domain, and yes, it was entered and double checked 4 times. Tried to call and only reached an answering service. So frustrating.
Hectic Productions
Jan 11, 2019 Report
The manager of the office is a really nice guy who know how to resolve issues. I appreciate there help in our time of need
Vi Trinity L.
Aug 18, 2018 Report
Horrible customer service, the woman that works there, I'll just say her name begins with an R. has been there for years and is extremely rude and abrupt. So I tried speaking with the Manager who had his phone on voice mail, so I left a detailed message and I also said I wanted to be contact but never heard from him!!! this was in October of 2018.