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Insurance in Albuquerque

Data source: US Census year 2000

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Uninsured in Bernalillo County

Albuquerque is the county seat of Bernalillo County.

Two in ten

Two out of ten people in Bernalillo County (19.9%) lack health insurance. In the state of New Mexico, 23.7% are without.

Among the population under 18 years in Bernalillo County, 16.4% are uninsured, while the figure for New Mexico is 20.6%.

in 2005, 85% of Americans had some medical expense, spending on average $1,166.

Crime and Safety in Albuquerque

Cities are generally less safe to live in than small towns. Violent crime in Albuquerque is 94.7% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Albuquerque is 93% higher than nationally.

There are 4043 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Albuquerque (1% of the population).

Accidents

Commuting to work is a fact of life for most Americans. In 2000, 90% of Albuquerque residents drove to work, and 2% used public transport. 3% walked to work, and 1% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.

In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.

Albuquerque, New Mexico Health Insurance

With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.

Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.

One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.

While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.

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Local Health Insurance Agents in Albuquerque, New Mexico

  • Abeyta, Aimee M - State Farm Insurance Agent

    (505) 292-3990

    11110 Lomas NE Suite E4
    Albuquerque, New Mexico 87112-5500

  • Adams, Pamela A

    (505) 292-3066

    9931 Lomas NE Suite D
    Albuquerque, New Mexico 87112-5278

  • Alba, Judith G - State Farm Insurance Agent

    (505) 884-5121

    2920 Carlisle NE
    Albuquerque, New Mexico 87110-2842

  • American National Insurance Company

    (505) 298-9198

    5850 Eubank Blvd Ne
    Albuquerque, New Mexico 87111-6132

  • Baber, Allan J - State Farm Insurance Agent

    (505) 881-6949

    3701 San Mateo NE
    Albuquerque, New Mexico 87110-1230

  • Bob Strilich Ins Agcy Inc - State Farm Insurance Agent

    (505) 823-9333

    6751 Academy Road NE Suite A
    Albuquerque, New Mexico 87109-3345

  • Borgia, Todd W - State Farm Insurance Agent

    (505) 293-1040

    12408 Menual Blvd NE
    Albuquerque, New Mexico 87112-1785

  • Brudos, Kenneth L - State Farm Insurance Agent

    (505) 836-5060

    3700 Coors NW Suite B-1
    Albuquerque, New Mexico 87120-1405

  • Callender, Allen W - State Farm Insurance Agent

    (505) 294-8662

    141 Eubank Blvd NE
    Albuquerque, New Mexico 87123-2709

  • Carolus, Cordelia V - State Farm Insurance Agent

    (505) 294-3330

    924-A Chelwood Park Blvd, NE
    Albuquerque, New Mexico 87112-5926

  • Conway Jr, Robert P - State Farm Insurance Agent

    (505) 299-9547

    2301 Juan Tabo Blvd NE
    Albuquerque, New Mexico 87112-1826

  • Coveal, Kenneth C

    (505) 292-3984

    11110 Lomas NE Suite E4
    Albuquerque, New Mexico 87112-5500

  • Craig M Highfill Ins Agcy Inc - State Farm Insurance Agent

    (505) 296-1700

    3750 Juan Tabo Blvd NE Ste E
    Albuquerque, New Mexico 87111-3948

  • Dillon, Kenneth S

    (505) 899-9100

    9121 High Assets Way NW
    Albuquerque, New Mexico 87120-5802

  • Dompreh, Jesse D - State Farm Insurance Agent

    (505) 294-4422

    5528 Eubank NE Suite 4
    Albuquerque, New Mexico 87111-1500

  • Edwards, Robert C - State Farm Insurance Agent

    (505) 884-8888

    2716 San Pedro NE Suite B
    Albuquerque, New Mexico 87110-3333

  • Fredlund, Linda L - State Farm Insurance Agent

    (505) 881-8100

    4055 Montgomery NE
    Albuquerque, New Mexico 87109-1178

  • Gallegos, Reginold A - State Farm Insurance Agent

    (505) 298-8100

    2308 Eubank NE Suite B
    Albuquerque, New Mexico 87112-1371

  • Gallegos, Timothy E - State Farm Insurance Agent

    (505) 823-2301

    7001 San Antonio Dr NE Ste H
    Albuquerque, New Mexico 87109-4873

  • Gibson, Margaret M - State Farm Insurance Agent

    (505) 881-1008

    2716 San Pedro NE Suite B
    Albuquerque, New Mexico 87110-3333

  • Harding, Francis C - State Farm Insurance Agent

    (505) 242-6231

    924 Park Avenue SW Suite A
    Albuquerque, New Mexico 87102-3045

  • Houlton Ins Agcy Inc

    (505) 883-9000

    8244 Menual NE
    Albuquerque, New Mexico 87110-4614

  • John C Marcelli Ins Agcy Inc - State Farm Insurance Agent

    (505) 293-0100

    12611 Montgomery Blvd NE #A-3
    Albuquerque, New Mexico 87111-4160

  • Jones, Robert L - State Farm Insurance Agent

    (505) 898-9505

    3613 New Mexico Hwy 528 Ste B
    Albuquerque, New Mexico 87114-8918

  • Lanell E Anderson Ins Agcy Inc State Farm Insurance Agent

    (505) 881-0550

    5608 Menaul NE
    Albuquerque, New Mexico 87110-3234

  • Lopez, Mark A - State Farm Insurance Agent

    (505) 293-3884

    8520 Montgomery Blvd NE Ste B2
    Albuquerque, New Mexico 87111-2309

  • Lovato, Tony - State Farm Insurance Agent

    (505) 265-8861

    1803 Louisiana NE F-1
    Albuquerque, New Mexico 87110-6951

  • Madrid, Theodore J - State Farm Insurance Agent

    (505) 898-8711

    6644 Caminito Coors NW
    Albuquerque, New Mexico 87120-3119

  • Marty Saiz Ins Agcy Inc - State Farm Insurance Agent

    (505) 345-3431

    1029 Montano NW
    Albuquerque, New Mexico 87107-5234

  • McNabb, G Edward - State Farm Insurance Agent

    (505) 266-5851

    725 San Mateo Blvd NE
    Albuquerque, New Mexico 87108-1434

  • Mike Volk Ins Agcy Inc - State Farm Insurance Agent

    (505) 232-2886

    5201 Zuni Road SE
    Albuquerque, New Mexico 87108-2890

  • Moore, Richard R - State Farm Insurance Agent

    (505) 821-6000

    5353 Wyoming NE Suite B
    Albuquerque, New Mexico 87109-3132

  • Paul Whitson Ins Agcy Inc - State Farm Insurance Agent

    (505) 888-1991

    8300 Carmel Avenue NE
    Albuquerque, New Mexico 87122-3125

  • Phil Pettit Ins Agcy Inc - State Farm Insurance Agent

    (505) 875-1300

    7112 Menaul Blvd NE
    Albuquerque, New Mexico 87110-3630

  • Pratt, Raymond P - State Farm Insurance Agent

    (505) 298-7579

    9998 Montgomery NE Suite A
    Albuquerque, New Mexico 87111-3554

  • Ray Pick Ins Agcy Inc - State Farm Insurance Agent

    (505) 898-3648

    4801 Montano Rd NW Suite A-5
    Albuquerque, New Mexico 87120-2423

  • Rick Paul Ins Agcy Inc - State Farm Insurance Agent

    (505) 898-2356

    1111 Alameda Blvd NW
    Albuquerque, New Mexico 87114-1953

  • Robert D Lamphier Ins Agcy Inc State Farm Insurance Agent

    (505) 881-6608

    3904 Carlisle NE Ste B
    Albuquerque, New Mexico 87107-2042

  • Robert L Ellsworth Ins Agy Inc State Farm Insurance Agent

    (505) 255-8676

    5921 Lomas NE
    Albuquerque, New Mexico 87110-6564

  • Ron Pino Ins Agcy Inc - State Farm Insurance Agent

    (505) 877-1391

    3211 Coors Blvd SW Suite 12
    Albuquerque, New Mexico 87121-5255

  • Ronna Porter Todd Ins Agcy Inc State Farm Insurance Agent

    (505) 293-3303

    4830 Juan Tabo NE Suite E
    Albuquerque, New Mexico 87111-2682

  • Ruiz Joseph L

    (505) 898-4273

    5645 Paradise NW Suite B
    Albuquerque, New Mexico 87114-4725

  • Sample, Harold O - State Farm Insurance Agent

    (505) 341-1000

    3700 Osuna Rd NE, Suite 514
    Albuquerque, New Mexico 87109-4461

  • Sanchez, Charles - State Farm Insurance Agent

    (505) 881-3330

    2917 San Mateo Blvd NE
    Albuquerque, New Mexico 87110-3156

  • Shirley Scott Ins Agcy Inc - State Farm Insurance Agent

    (505) 292-4646

    10301 Comanche NE Suite 1A
    Albuquerque, New Mexico 87111-3603

  • Silva, Delbert V - State Farm Insurance Agent

    (505) 881-4994

    3904 Carlisle NE Suite A
    Albuquerque, New Mexico 87107-4504

  • Steve Kunkle Ins Agcy Inc - State Farm Insurance Agent

    (505) 292-5940

    1336 Wyoming Blvd NE
    Albuquerque, New Mexico 87112-5066

  • Tafoya, Rebecca D

    (505) 292-3984

    11110 Lomas NE
    Albuquerque, New Mexico 87112

  • Thurston, Tami A

    (505) 292-4017

    11110 Lomas NE Suite 4
    Albuquerque, New Mexico 87112

  • Waters, James Alexander

    (505) 883-3078

    3904 Carlisle NE Suite B
    Albuquerque, New Mexico 87107-4504

  • Wells, Elizabeth Marie - State Farm Insurance Agent

    (505) 883-3742

    7400 Montgomery Blvd NE Ste 5
    Albuquerque, New Mexico 87109-1519

Glossary of Terms

Coinsurance
amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
Coordination of Benefits
A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
Copayment
Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
Covered Expenses
Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
Customary fee
Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
Deductible
The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
Exclusions
Specific conditions or circumstances for which the policy will not provide benefits.
Fee-for-Service
The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
HDHP
High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
HMO
(Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
Institutionalized
People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
Kaiser
Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
Managed Care
Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
Maximum Out-of-Pocket
The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
Noncancelable Policy
A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
PPO
(Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
Preexisting Condition
A health problem that existed before the date your insurance became effective.
Premium
The amount you or your employer pays in exchange for insurance coverage.
Primary Care Doctor
Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
Property crime
Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
Provider
Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
Race
Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
Single Coverage
Health insurance that covers medical expenses for one person.
Third-Party Payer
Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
Violent crime
Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.

Albuquerque Facts

Data source: US Census year 2000

Population

Population in Albuquerque is 493,438.

65% of Albuquerque residents are White, 20% are of some other race, 5% are Native American, 4% are a mix of two or more races, 3% are African-American, and 3% are Asian.

Economy

The median income in Albuquerque is $30,287 for men, and $21,754 for women.

Compared to the typical person in the state of New Mexico, a resident of Albuquerque makes 16.5% more. The trend for New Mexico is that the median income is increasing. (2006)

32,065 people (6% of the population) were living on an income below the poverty level as of 2006. The poverty in Albuquerque was increasing compared to the year before.

The typical home is worth $172,300. 26% of Albuquerque homeowners own their home outright, paying typically $339 per month in owner costs. Among those with a mortgage (74% of homeowners), the median monthly owner cost is $1,218. (2006)

Housing

There are a total of 224,495 homes in Albuquerque. Of these, 1,143 were for sale, and 5,885 homes were available to rent in 2006. 126,854 (61%) were owner-occupied, and 80,163 (39%) were occupied by renters. (2006)

Age

The median age for men in Albuquerque is 33, and in New Mexico the average man lives to be 74. The median age for women in Albuquerque is 37, and women in New Mexico live to be 80, on average. (2006)

Education

The education level in Albuquerque is high compared to the national average.

Among men over 25, 41% has a college degree, and 21% has some college. Out of the men that didn't study in college, 61% graduated from High School, and 39% dropped out.

Among women over 25, 38% has a college degree, and 25% has some college. Out of the women that didn't study in college, 62% graduated from High School, and 38% dropped out. (2006)

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