Harding County is located in the Northeast region of New Mexico, with Roy serving as its largest community. The county seat is Mosquero. Whether you live in Roy or in the surrounding rural areas of Harding County, understanding your Medicare options is essential to getting quality healthcare coverage.
Northeastern New Mexico offers wide-open plains, historic trails, and small-town charm along the foothills of the Sangre de Cristo Mountains.
Find Medicare Help in Roy, NM
Licensed insurance agents in Harding County can help you compare plans, understand your benefits, and enroll in the coverage that best fits your needs—at no cost to you.
Medicare Options in Harding County
Original Medicare (Part A & Part B)
Original Medicare is available to all eligible beneficiaries in Harding County. Part A covers hospital stays, skilled nursing care, and hospice, while Part B covers doctor visits, outpatient services, and preventive care. In 2026, the Part B premium is $202.90/month and the Part A deductible is $1,736 per benefit period.
Medicare Advantage Plans in Harding County
Medicare Advantage (Part C) plans in Harding County are offered by private insurers, and some offer extra benefits, such as dental, vision and hearing coverage, that Original Medicare does not provide. Extra benefits vary by plan. Plan availability and provider networks vary by county, so it's important to compare options specific to your location. Compare Advantage plans in Harding County.
Medigap (Medicare Supplement) in Harding County
Medigap policies help cover the out-of-pocket costs that Original Medicare doesn't pay, such as deductibles, copayments, and coinsurance. Starting January 1, 2027, New Mexico's Senate Bill 21 lets Medigap policyholders age 65 and older switch to a plan of equal or lesser value each year, in a window that opens in their birthday month, without health questions. Learn more about Medigap in New Mexico.
Medicare Part D Prescription Drug Coverage
Part D plans cover prescription medications and are available as standalone plans or bundled within Medicare Advantage plans. In 2026, there is a new annual out-of-pocket cap of $2,100 for prescription drugs. Drug plan options vary by county in New Mexico. Learn more about Part D.
2026 Medicare Costs for Harding County Residents
| Coverage | 2026 Cost |
|---|---|
| Part A Premium | $0 for most beneficiaries |
| Part A Deductible | $1,736 per benefit period |
| Part B Premium | $202.90/month (standard) |
| Part B Deductible | $283/year |
| Part D Out-of-Pocket Cap | $2,100/year |
Licensed insurance agents for Harding County
These independent insurance agents are licensed in New Mexico and work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.
Brisha Cruz-Garcia
Jacinta Gomez
Criag Ayers
Michelle Lucero
Insurance agency offices nearest Harding County
These offices are independently owned by licensed insurance agents and agencies that work with Benefits Life, the publisher of this site. They are not Benefits Life offices. When they enroll you in a plan, the agency and Benefits Life may be paid by the insurance company. If you already have an agent, contact your agent for help with your plan. Learn more.
Gina Sanchez Agency – Albuquerque
About 165 miles from Harding County
April Garcia Insurance Agency
About 165 miles from Harding County
Walk-ins welcome · Wheelchair accessible · Free parking · In-home visits available
See Medicare plans in Harding County
Enter your ZIP code to compare Medicare Advantage, Part D, and Medigap plans available where you live.
You'll go to PlanMatchMedicare.com, a plan comparison site from Benefits Life, the publisher of this site. Only your ZIP code is sent.
Senior Services in Harding County
Harding County residents have access to a range of senior support services:
- NM Aging & Long-Term Services Department (ALTSD): Call 1-800-432-2080 for information on senior services, caregiver support, and the Senior Medicare Patrol.
- Senior Centers: Many communities in Harding County operate senior centers offering meals, social activities, and transportation assistance.
- Area Agency on Aging: Area Agencies on Aging provide services such as home-delivered meals, transportation, and homemaker help for residents 60 and older. Call the NM Aging and Long-Term Services Department at 1-800-432-2080 to find the one for your area.
- AARP New Mexico (private nonprofit, not a government agency): Call 1-866-389-5636 for resources and advocacy for older adults.
View all New Mexico senior services →
Frequently Asked Questions: Medicare in Harding County
What Medicare plans are available in Harding County, NM?
Medicare beneficiaries in Harding County have access to Original Medicare (Parts A & B), Medicare Advantage plans (Part C), Medicare Part D prescription drug plans, and Medigap supplemental insurance. Plan availability varies - use PlanMatch.com to see plans specific to Harding County.
How do I find a licensed insurance agent near Roy, NM?
Visit MedicareAgents.com to connect with licensed insurance agents serving Roy and Harding County. Agents can compare plans from the companies they work with and help you check whether your doctors are in network for a plan.
Where can I get free Medicare help in Harding County?
Call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, for official Medicare information. To compare plans with someone at no cost, call a Benefits Life licensed insurance agent at 505-MEDICARE (505-633-4227), TTY 711, or find a local agent at MedicareAgents.com.
Ready to explore your options? A licensed insurance agent serving Harding County can walk you through available plans at no cost. Find your local agent today.