UNM LoboHealth for Retirees
About the Plan
The UNM LoboHealth medical plan is available to benefits-eligible retirees and their eligible dependents. The plan offers low out of pocket costs for Tier 1 services and access to a wide range of providers in New Mexico and in the BlueCross BlueShield (BCBS) national network.
UNM LoboHealth
Network Tier 1
UNM Health System
Optum Health (formerly DaVita Medical Group)
First Choice Community Health Providers and Facilities
LoboCare Clinic for same-day or next-day acute care appointments
Additional BCBS providers (providing services for lab and x-ray, medical suppliers, mental health, rehab/PT, and fertility)
BCBSNM In-Network
Tier 2
BlueCross BlueShield National PPO, which includes Lovelace Health System providers and hospitals.
You may choose Tier 2 providers at time of service without approval.
Out of Network
Tier 3
Only usual and customary charges are covered
Providers and facilities not contracted with your Third-Party Administrator (TPA). Notify your TPA first to receive the maximum available benefit if you use this option
FY27 (July 1, 2026 – June 30, 2027) plan year
- Retiree Medical Rates for Retirees with 25+ Grandfathered VEBA Service Credits
- VEBA 5-9 Medical Rates for Retirees with 5 to 9 VEBA Service Credits
- VEBA 10-14 Medical Rates for Retirees with 10-14 VEBA Service Credits
- Schedule of Benefits
- Summary of Benefits and Coverage
- Participant Benefit Booklet (Coming Soon)
- Mandatory Notices
- Register for BAM (mobile app) to get health care at your fingertips
- Understanding and Using Your Benefits
- Well OnTarget Fitness Program
FY26 (July 1, 2025 – June 30, 2026) plan year
- FY26 Retiree Medical Rates for Retirees with 25+ Grandfathered VEBA Service Credits
- FY26 VEBA 5-9 Medical Rates for Retirees with 5 to 9 VEBA Service Credits
- FY26 VEBA 10-14 Medical Rates for Retirees with 10-14 VEBA Service Credits
- FY26 Schedule of Benefits
- FY26 Summary of Benefits and Coverage
- Participant Benefit Booklet (Coming Soon)
- FY26 Mandatory Notices
- Register for BAM (mobile app) to get health care at your fingertips
- Understanding and Using Your Benefits
- Well OnTarget Fitness Program
Eligibility
Post-retirement medical and dental benefits are only available to retirees who were employed with UNM on June 30, 2015 and prior and who have met the VEBA participation requirements. To access these benefits, a potential retiree must meet the criteria outlined in University Administrative Policy 3600, Section 3.1.
A Pre-65 Retiree is defined as an employee who retires from UNM before the age of 65. Immediately prior to retirement, the retiree may elect the same medical coverage he or she had as an active employee, but pay premiums based on the percentages outlined in the VEBA premium contribution rate schedule. Retiree premiums are determined by service credits paid into VEBA. Read more about the Voluntary Employee Beneficiary Association (VEBA).
When and How to Enroll
Eligible Pre-65 retirees have the following enrollment opportunities
- During the UNM retirement application process
Enroll by contacting your Benefits representative. - During the annual Open Enrollment period, typically held in April/May
Make changes to existing coverage by completing the Pre-65 Open Enrollment Change Form. - When you experience a Qualifying Change in Status
Make changes via the Retiree Medical and Dental Change Form.
Finally, if you are enrolling dependents, be prepared to provide “proof documentation”. Some Examples of Dependent Proof Documents are available here. Deadlines for submission of these documents vary in accordance with the enrollment opportunities listed above.
Using Your UNM LoboHealth Medical Benefit
- Find a Doctor through BlueCross BlueShield network.
- Make an appointment.
- Present your UNM LoboHealth ID card when checking in for services. ID cards are mailed after enrollment in the plan.
- Refer to UAP 3410, Sick Leave for time away from work for medical services.
- For information about your prescription drug benefit, see the Prescription Drug Plan page.
Contact Information
UNM LoboHealth
Customer Service: 1.855.235.1042Tier 1 Scheduling: 505.272.Lobo (5626)
UNM TeamHealth: 1.844.866.2224
UNM TeamHealth: 505.925.2432