Presbyterian Products

Presbyterian is proud to offer a range of product choices to meet the needs of different Employer Groups and individuals. Choose among plan features such as lower premiums, varying copayment/co-insurance amounts, deductibles and options for seeking care outside the Presbyterian provider network.

Presbyterian Employer Group Plans

Presbyterian's employer group plans include HMO, POS and PPO Plans for New Mexico businesses. Our HMO products include standard HMO copayment style plans; our Smart Care plan offers a combination of copayments and deductible/co-insurance; and our POS plans allow members the opportunity to access in and out-of-network providers. We also offer several different deductible and co-insurance level PPO plan choices.

PresElect
Allows groups with 2-50 employees to custom design a benefit plan to best meet the unique needs of their employees.  To create a plan as distinctive as their business, groups can select from eight deductibles, three co-insurance levels, five out-of-pocket maximums and three pharmacy options.
Value Care
Is a traditional HMO plan that offers comprehensive coverage with simple copayments, no deductible, and a comprehensive provider network.
Smart Care
Offers a low cost alternative to traditional copayment plans.  This option helps to reduce monthly premiums by placing a deductible and co-insurance on specific services like hospital stays.  Other commonly used services, such as routine care and office visits, are offered at predictable copayments.
Value Care and Custom Care
Are traditional HMO Plans that offer coverage with simple copayments, no deductible, and a comprehensive provider network.
Preferred Care
Offers simple copaymetns for office visits, and preventive care.  For more advanced medical needs a co-insurance and deductible would apply and may vary depending on whether the care is provided in or out of Presbyterian's contracted network.
Advantage Care
Is a qualified High Deductible Health Plan (HDHP) that can be used with a member-owned, portable Health Savings Account (HSA) for possible tax advantages. 

ASO/Self-Funded

Self-funded is an arrangement whereby the employer assumes some or all of the risk in providing health benefits for the employees. In New Mexico, self-funding can save the employer 2-6% in premium taxes which do not apply in self-funded plans, potential freedom from costly state-mandated benefits and investment earnings which accrue typically tax free in the employer-established health trust.For additional information on self-funded plans please contact your Account Executive.

Presbyterian Individual Plans

Select
With the lowest out-of-pocket expenses, the Select plan is perfect for anyone who wants coverage similar to an employer plan. You’ll enjoy a low deductible at a premium you can afford.
Classic
If you need to keep costs down and don’t mind having a higher deductible, the Classic plan is the way to go. It offers lower monthly premiums with higher out-of-pocket expenses.
Classic for Kids
A child-only guaranteed issue plan for children under age 19.
Savvy100
If you’re looking for more options when it comes to healthcare, the Savvy100 plan is a good choice. This plan can be combined with a Health Savings Account (HSA) for possible tax benefits. Once you meet your deductible, the plan pays 100% of covered in-network services, including preventive care.
ShortTerm
The ShortTerm plan provides month-to-month coverage for up to six months, including office visits and emergency care. Whether you’re between jobs or a young adult no longer covered by your parent’s plan, this is a great way to get temporary protection.

Presbyterian Senior Care: Our Medicare+Choice Option

Did you know Presbyterian Senior Care offers Multiple Employer Group Medicare+Choice plans?

Presbyterian State Coverage Insurance (SCI)

This plan offers affordable healthcare coverage to low-income working adults who meet the SCI eligibility criteria, either through their employer or as an individual.