Health Insurance

A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Charles Garland & Harris. We work with the major networks.

doctor talking to patientLet’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. We can help you find an affordable healthcare plan that’s right for you. Call 575-437-6910 and talk with one of our friendly agents today to learn more.

What are the major types of health insurance policies in New Mexico

There are basically three major types of health insurance policies for New Mexico residents to choose from–consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.

Consumer-directed

A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.

Fee for Service

A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.

Managed Care

Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.

To help guide you through the employee benefits process
call Cesar Acosta or Bruce Foster at Charles Garland & Harris

Cesar Acosta
Group And Individual Health And Life Insurance
Cesar@Cgh-Insurance.com
575-437-6910 Ext 106

Bruce Foster, CIC
Insurance Agent
bfoster@cressinsurance.com
Voice (505) 938-2437
Fax (575) 437-8187

3310 N. White Sands Blvd
Alamogordo, NM 88310
Monday- Friday 9am-5pm

We have everything you need all under one roof, the Red Roof.