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Medical, Dental, Vision

Benefits

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Healthcare and Insurance

Health Insurance

CNM employees can choose from two different health insurance companies and thousands of providers. Members of these plans have access to free preventive options such as free flu shots and free annual physical exams. Coverage is available for employees and in most cases, their spouses, dependents and domestic partners. Almost 1,000 employees and 500 dependents are covered by CNM health insurance.

If you have questions regarding your benefits at CNM, contact HR Benefits Specialist at extension 52870.

Dental Insurance

CNM provides top-rated dental coverage for its employees, including preventive services and semi-annual cleanings.

Vision Insurance

CNM employees have access to excellent vision insurance including annual exams and allotments for glasses or contacts.

Health Insurance Premiums

Effective October 1, 2014

Questions?

Please Contact Us or
call 505-224-4600

Blue Cross/Blue Shield (BCBS)

Presbyterian Health Plan

United Dental/Concordia

Davis Vision

 


Blue Cross/Blue Shield (BCBS)

High Option

Total Monthly Premium Cost

$560.06

$1,065.14

$1,422.62

Bi-Weekly Payroll Deduction: 396 or 391

Single

Two-Party

Family

Employee Status

Annualized Salary

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Full-time

Less than 24,999.99

SC

$56.01

$224.02

TC

$106.51

$426.06

FC

$142.26

$569.05

$25000 and above

SD

$70.01

$210.02

TD

$133.14

$399.43

FD

$177.83

$533.48

Three-Quarter time

Less than $19,999.99

SF

$106.41

$173.62

TF

$202.38

$330.19

FF

$270.30

$441.01

$20,000 to 24,999.99

SG

$112.01

$168.02

TG

$213.03

$319.54

FG

$284.52

$426.79

$25000 and above

SH

$122.51

$157.52

TH

$233.00

$299.57

FH

$311.20

$400.11

Half-time

Less than $19,999.99

SJ

$154.02

$126.01

TJ

$292.91

$239.66

FJ

$391.22

$320.09

$20,000 to 24,999.99

SK

$162.42

$117.61

TK

$308.89

$223.68

FK

$412.56

$298.75

$25000 and above

SL

$168.02

$112.01

TL

$319.54

$213.03

FL

$426.79

$284.52

Low Option

Total Monthly Premium Cost

$470.44

$894.70

$1,195.06

Bi-Weekly Payroll Deduction: 376 or 371

Single

Two-Party

Family

Employee Status

Annualized Salary

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Full-time

Less than 24,999.99

SC

$47.04

$188.18

TC

$89.47

$357.88

FC

$119.51

$478.02

$25000 and above

SD

$58.81

$176.41

TD

$111.84

$335.51

FD

$149.38

$448.15

Three-Quarter time

Less than $19,999.99

SF

$89.38

$145.84

TF

$169.99

$277.36

FF

$227.06

$370.47

$20,000 to 24,999.99

SG

$94.09

$141.13

TG

$178.94

$268.41

FG

$239.01

$358.52

$25000 and above

SH

$102.91

$132.31

TH

$195.72

$251.63

FH

$261.42

$336.11

Half-time

Less than $19,999.99

SJ

$129.37

$105.85

TJ

$246.04

$201.31

FJ

$328.64

$268.89

$20,000 to 24,999.99

SK

$136.43

$98.79

TK

$259.46

$187.89

FK

$346.57

$250.96

$25000 and above

SL

$141.13

$94.09

TL

$268.41

$178.94

FL

$358.52

$239.01

 

 

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Presbyterian Health Plan

High Option

Total Monthly Premium Cost

$452.92

$951.02

$1,268.16

Bi-Weekly Payroll Deduction: 398 or 393

Single

Two-Party

Family

Employee Status

Annualized Salary

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Full-time

Less than 24,999.99

SC

$45.29

$181.17

TC

$95.10

$380.41

FC

$126.82

$507.26

$25000 and above

SD

$56.62

$169.84

TD

$118.88

$356.63

FD

$158.52

$475.56

Three-Quarter time

Less than $19,999.99

SF

$86.05

$140.41

TF

$180.69

$294.82

FF

$240.95

$393.13

$20,000 to 24,999.99

SG

$90.58

$135.88

TG

$190.20

$285.31

FG

$253.63

$380.45

$25000 and above

SH

$99.08

$127.38

TH

$208.04

$267.47

FH

$277.41

$356.67

Half-time

Less than $19,999.99

SJ

$124.55

$101.91

TJ

$261.53

$213.98

FJ

$348.74

$285.34

$20,000 to 24,999.99

SK

$131.35

$95.11

TK

$275.80

$199.71

FK

$367.77

$266.31

$25000 and above

SL

$135.88

$90.58

TL

$285.31

$190.20

FL

$380.45

$253.63

Low Option

Total Monthly Premium Cost

$380.48

$798.88

$1,065.24

Bi-Weekly Payroll Deduction: 378 or 373

Single

Two-Party

Family

Employee Status

Annualized Salary

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Full-time

Less than 24,999.99

SC

$38.05

$152.19

TC

$79.89

$319.55

FC

$106.52

$426.10

$25000 and above

SD

$47.56

$142.68

TD

$99.86

$299.58

FD

$133.16

$399.46

Three-Quarter time

Less than $19,999.99

SF

$72.29

$117.95

TF

$151.79

$247.65

FF

$202.40

$330.22

$20,000 to 24,999.99

SG

$76.10

$114.14

TG

$159.78

$239.66

FG

$213.05

$319.57

$25000 and above

SH

$83.23

$107.01

TH

$174.76

$224.68

FH

$233.02

$299.60

Half-time

Less than $19,999.99

SJ

$104.63

$85.61

TJ

$219.16

$179.75

FJ

$292.94

$239.68

$20,000 to 24,999.99

SK

$110.34

$79.90

TK

$231.68

$167.76

FK

$308.92

$223.70

$25000 and above

SL

$114.14

$76.10

TL

$239.66

$159.78

FL

$319.57

$213.05

 

 

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United Dental/Concordia

High Option

Total Monthly Premium Cost

$27.24

$51.86

$81.48

Bi-Weekly Payroll Deduction: 365 or 360

Single

Two-Party

Family

Employee Status

Annualized Salary

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Full-time

Less than 24,999.99

SC

$2.72

$10.90

TC

$5.19

$20.74

FC

$8.15

$32.59

$25000 and above

SD

$3.41

$10.21

TD

$6.48

$19.45

FD

$10.19

$30.55

Three-Quarter time

Less than $19,999.99

SF

$5.18

$8.44

TF

$9.85

$16.08

FF

$15.48

$25.26

$20,000 to 24,999.99

SG

$5.45

$8.17

TG

$10.37

$15.56

FG

$16.30

$24.44

$25000 and above

SH

$5.96

$7.66

TH

$11.34

$14.59

FH

$17.82

$22.92

Half-time

Less than $19,999.99

SJ

$7.49

$6.13

TJ

$14.26

$11.67

FJ

$22.41

$18.33

$20,000 to 24,999.99

SK

$7.90

$5.72

TK

$15.04

$10.89

FK

$23.63

$17.11

$25000 and above

SL

$8.17

$5.45

TL

$15.56

$10.37

FL

$24.44

$16.30

Low Option

 

Total Monthly Premium Cost

$13.64

$25.96

$40.74

Bi-Weekly Payroll Deduction: 365 or 360

Single

Two-Party

Family

Employee Status

Annualized Salary

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Full-time

Less than 24,999.99

SC

$1.36

$5.46

TC

$2.60

$10.38

FC

$4.07

$16.30

$25000 and above

SD

$1.71

$5.11

TD

$3.25

$9.73

FD

$5.09

$15.28

Three-Quarter time

Less than $19,999.99

SF

$2.59

$4.23

TF

$4.93

$8.05

FF

$7.74

$12.63

$20,000 to 24,999.99

SG

$2.73

$4.09

TG

$5.19

$7.79

FG

$8.15

$12.22

$25000 and above

SH

$2.98

$3.84

TH

$5.68

$7.30

FH

$8.91

$11.46

Half-time

Less than $19,999.99

SJ

$3.75

$3.07

TJ

$7.14

$5.84

FJ

$11.20

$9.17

$20,000 to 24,999.99

SK

$3.96

$2.86

TK

$7.53

$5.45

FK

$11.81

$8.56

$25000 and above

SL

$4.09

$2.73

TL

$7.79

$5.19

FL

$12.22

$8.15

 

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Davis Vision

Total Monthly Premium Cost

$6.26

$10.48

$14.14

Bi-Weekly Payroll Deduction: 385 or 380

Single

Two-Party

Family

Employee Status

Annualized Salary

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Employee Portion

CNM Portion

Full-time

Less than 24,999.99

SC

$0.63

$2.50

TC

$1.05

$4.19

FC

$1.41

$5.66

$25000 and above

SD

$0.78

$2.35

TD

$1.31

$3.93

FD

$1.77

$5.30

Three-Quarter time

Less than $19,999.99

SF

$1.19

$1.94

TF

$1.99

$3.25

FF

$2.69

$4.38

$20,000 to 24,999.99

SG

$1.25

$1.88

TG

$2.10

$3.14

FG

$2.83

$4.24

$25000 and above

SH

$1.37

$1.76

TH

$2.29

$2.95

FH

$3.09

$3.98

Half-time

Less than $19,999.99

SJ

$1.72

$1.41

TJ

$2.88

$2.36

FJ

$3.89

$3.18

$20,000 to 24,999.99

SK

$1.82

$1.31

TK

$3.04

$2.20

FK

$4.10

$2.97

$25000 and above

SL

$1.88

$1.25

TL

$3.14

$2.10

FL

$4.24

$2.83

 

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Medical

New Mexico Blue Cross Blue Shield

NM Blue Cross Blue Shield LogoNew Mexico Blue Cross Blue Shield is a provider of medical benefits for CNM.

For more information visit the BlueCross BlueShield New Mexico website or call 888-966-7742.

Presbyterian

Presbyterian LogoPresbyterian is a provider of medical benefits for CNM.

For more information, visit the Presbyterian website or call 505-923-5600.


Prescriptions

Express Scripts

Express Scripts LogoPrescription drugs benefits are administered for CNM by Express Scripts.

For more information, visit the Express Scripts website or call 800-498-4904.

Dental

United Concordia

United Concordia LogoCNM's provider of Dental Benefits is United Concordia.

For more information, visit the United Concordia website or call 888-898-0370.

Vision

Davis Vision

Davis Vision LogoCNM's Vision benefits plan is administered by Davis Vision.

For more information, visit the Davis Vision website or call 800-999-5431.

Summary of NMPSIA Coverage

As required by law, insurance companies and group health plans like ours provide plan participants with a consumer-friendly Summary of Benefits and Coverage (SBC) as a way to help understand and compare medical benefits.

The SBC is also available on the NMPSIA website.

What the SBC Contains

Each SBC contains concise medical plan information, in plain language, about benefits and coverage, including what is covered, what you need to pay for various benefits, what is not covered and where to go for more information or to get answers to questions.

These are five important components of the CNM/NMPSIA Summary of Benefits & Coverage:

NMPSIA Contacts

NMPSIA Carrier Customer Service Contacts

Medical

New Mexico Blue Cross and Blue Shield

1-888-966-7742

bcbsnm.com

Presbyterian

1-888-275-7737 or 505-923-5600

phs.org

Prescription Drugs

Express Scripts

1-800-498-4904

express-scripts.com

Dental

United Concordia

1-888-898-0370

 unitedconcordia.com

Vision

Davis Vision

1-800-999-5431

davisvision.com

Long-Term Disability claims

The Standard

1-888-609-9763

standard.com

Life Claims

The Standard

1-888-609-9763

standard.com

 


NMPSIA Eligibility Administrator
Erisa Administrative Services, Inc.
P.O. Box 9054
Santa Fe, NM 87504

1-800-566-3164 or 505-988-4974
Fax: 505-988-8943


New Mexico Public Schools Insurance Authority
410 Old Taos Highway Santa Fe, NM 87501

1-800-548-3724 or 505-988-2736
505-983-8670 fax

nmpsia.com

New Health Insurance Marketplace FAQ

Frequently Asked Questions for Employees about the New Health Insurance Marketplace

1. Q: What is the "Exchange" or "Marketplace" that I've been hearing about?
A: The Exchange/Marketplace is a new health insurance marketplace in each state. The Marketplaces are established under the Healthcare Reform Act that was passed in 2010. The Marketplace is an on-line site where individuals and smaller employers may go to purchase health insurance coverage for 2014.

2. Q: Why is the Marketplace being established?
A: Under federal law, beginning January 1, 2014 individuals will be required to have minimum essential health coverage, or else be subject to a penalty. This is referred to as the "individual mandate." The Marketplace is intended to help individuals meet the individual mandate requirement by providing another place to purchase coverage, and possibly qualify for federal assistance to do so.

3. Q: Do I have to purchase health coverage through the Marketplace?
A: No. You may still obtain health coverage from other sources if you are eligible. To avoid the individual mandate penalty, you will want to confirm that the coverage you obtain provides "minimum essential coverage" under the rules.

4. Q: What are some possible other sources of coverage?
A: Your employer, your spouse's employer, Medicare (if eligible in your state), the individual market, etc.

5. Q: What if I am covered under my employer's plan? Can I keep it?
A: Yes. Most employer plans will qualify as the coverage required under the individual mandate requirements. You do not need to purchase coverage through the Marketplace in order to avoid the individual mandate penalty. You may, if you would like, however.

6. Q: Can I drop myself or my dependents from my group plan to purchase a plan through the Marketplace or outside of the Marketplace?
A: Maybe yes. Maybe no. Employers and Marketplaces have very specific rules around enrollment and disenrollment. In general, both have an annual open enrollment period (which will usually be different) and permit special enrollments during the year based on events such as marriage or birth of a child. Although these rules are similar, they are not identical. In addition, determining when you can change an election outside the annual open enrollment period will be determined by IRS regulations and the terms of the group health plan. Generally, employees may not change an election unless the employee experiences a change in status permitted by the IRS and allowed by the group health plan.

7. Q: How do I know if I qualify for assistance to purchase my coverage through the Marketplace?
A: Individuals who are not offered qualifying healthcare coverage through their employer may be eligible for government subsidies to help pay for health insurance premiums for plans purchased in the Marketplaces (based on income level and how many dependents you have). Generally, household income must be below 400% of the federal poverty level (which in 2013 is about $46,000 for an individual, or about $78,000 for a family of three), in addition to some other rules, in order to qualify. Whether you qualify will depend on what kind of coverage your employer offers. If your job-based coverage is considered affordable and meets minimum value requirements, you won't be able to get lower costs on premiums or out-of-pocket costs in the Marketplace. This is true no matter what your income and family size are. As state Marketplace sites are launched over the next months, you will be able to get details about a possible subsidy.

8. Q: Will my employer subsidize my health coverage if I purchase it through the Marketplace?
A: Employers are not required to help you pay for coverage that you purchase through the Marketplace. With most employer-provided plans, the employer pays a portion of the premium cost. You should consider this when making decisions about where to obtain your health coverage.

9. Q: Will I be able to see my same doctor if I purchase coverage through the Marketplace instead of at work?
A: Maybe yes. Maybe no. Insurance purchased through the Marketplace may have different provider networks.

10. Q: When will the Marketplace in my state be open for business?
A: Open enrollment in the Marketplaces is scheduled to begin October 1, 2013, with coverage to generally become effective January 1, 2014. Please refer to the Marketplace in your state for further information.

11. Q: Do I have to enroll by January 1, 2014 in order to get coverage through the Marketplace?
A: No. In this first year of Marketplace coverage, you may enroll until March 31, 2014. But if you enroll after December 15th of this year, your coverage will have an effective date that is later than January 1, 2014. To avoid not having coverage beginning January 1, 2014, and potentially incurring a penalty, you should enroll by December 15, 2013 if you wish to satisfy the individual mandate with coverage obtained through the Marketplace.

12. Q: Will my employer's health benefits program be available for purchase through the Marketplace?
A: Possibly, if your employer is considered to be a small employer under the rules, and has chosen to purchase its program for employees through the Marketplace. Generally, employers with over 100 employees, or in some states 50 employees, may not purchase their programs for employees through the Marketplace yet. Employers of any size may offer coverage through regular channels, however, just as they do today.


The intent of this analysis is to provide general information regarding the provisions of current healthcare reform legislation and regulation. It does not necessarily fully address all your organization's specific issues. It should not be construed as, nor is it intended to provide, legal advice. You should contact your tax advisor or an attorney who specializes in this practice area should address questions regarding specific issues.