McKinley County is located in the Northwest region of New Mexico, with Gallup serving as its largest community and county seat. Whether you live in Gallup or in the surrounding rural areas of McKinley County, understanding your Medicare options is essential to getting quality healthcare coverage.
Northwestern New Mexico is rich in Native American culture, featuring the Navajo Nation, Zuni Pueblo, and dramatic desert landscapes.
Find Medicare Help in Gallup, NM
Licensed insurance agents in McKinley 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 McKinley County
Original Medicare (Part A & Part B)
Original Medicare is available to all eligible beneficiaries in McKinley 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 McKinley County
Medicare Advantage (Part C) plans in McKinley 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 McKinley County.
Medigap (Medicare Supplement) in McKinley 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 McKinley 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 McKinley 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.
Lenny Zelaya
April Garcia
Vivian Reyes
Jacinta Gomez
Insurance agency offices nearest McKinley 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.
Ayers Insurance – Rio Rancho
About 90 miles from McKinley County
Video appointments available
CIMA Insurance Solutions – Albuquerque
About 95 miles from McKinley County
Spanish spoken
See Medicare plans in McKinley 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 McKinley County
McKinley 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 McKinley 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 McKinley County
What Medicare plans are available in McKinley County, NM?
Medicare beneficiaries in McKinley 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 McKinley County.
How do I find a licensed insurance agent near Gallup, NM?
Visit MedicareAgents.com to connect with licensed insurance agents serving Gallup and McKinley 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 McKinley 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 McKinley County can walk you through available plans at no cost. Find your local agent today.