Insurance Carriers and Options

CNM employees have multiple medical, dental, and vision insurance options to fit their individual and family needs

CNM shares in the cost of medical, dental and vision plans with employees. Employees pay either 20%, 25% or 35% of total monthly premiums, based on their CNM annual salary.

CNM offers both pre-tax and post-tax options for premiums. 

CNM offers its employees the following types of insurance, each type's insurance carrier options, and the options offered by each respective carrier: 

Medical and Prescription

  • Blue Cross Blue Shield of New Mexico
    • High Option: lower calendar-year deductible with higher monthly premiums
    • Low Option: higher calendar-year deductible with lower monthly premiums
  • Presbyterian Healthcare
    • High Option: lower calendar-year deductible with higher monthly premiums
    • Low Option: higher calendar-year deductible with lower monthly premiums

Both carriers offer a nationwide PPO plan including exclusive extras and perks to help
manage overall health. 

Dental

  • Delta Dental
    • Basic – Covers preventative services such as exams, evaluations, cleanings, fillings, and extractions
    • Comprehensive – Covers major services such as crowns, dentures, implants, braces and more

Both options are under a nationwide PPO network where benefit levels are enhanced when a Delta Dental PPO Provider is selected.

Vision

  • Davis Vision
    • plan covers 1 eye exam + lenses or contacts every 12 months and frames every 24 months 

This plan is a co-pay structure for typical services and materials, with discounts for non-covered materials and amounts that exceed the plan limits.

Current Employees: Please go to CNM's SharePoint Site to access a variety of information and documents related to your benefits.

Health Insurance Portability and Accountability Act of 1996 (HIPAA)

CNM is committed to the privacy of our employee’s health information. The administrators of the CNM plans use strict privacy standards to protect health information from unauthorized use or disclosure. The Plan’s policies and procedures protecting our employee’s privacy rights and rights under the law are described below:

Required Notices