Los Alamos National Labs with logo 2021

High-Deductible Health Plan (HDHP)

Blue Cross Blue Shield of New Mexico (BCBSNM) is the provider of retiree medical benefits.


  • Aon Hewitt, Your Benefit Resources (YBR)
  • (866) 934-1200

The High-Deductible Health Plan (HDHP) for non-Medicare retirees is a medical insurance plan with a lower premium but higher deductible than the Preferred Provider Organization (PPO) Plan.


Non-Medicare Retiree Premium Rates (pdf)


LANS Health & Welfare Benefit Plan for Retirees (pdf) - see Eligibility Requirements

In- and out-of-network coverage

The HDHP offers in- and out-of-network coverage, but out-of-network coverage is more expensive.

Participants are responsible for determining if a provider is in the BCBS-Preferred Provider network.

BCBS Provider Finder

If you would like to receive the Laboratory’s free electronic newsletter for retirees, LANLhighlights, email your subscription request to lanltoday@lanl.gov.