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Medicare Supplement Plans in North Dakota

Summary: If you have Original Medicare benefits, you may have leftover costs when receiving healthcare services. Medicare Supplement plans in North Dakota will help you cover these costs. It’s important to compare your options as premiums vary from carrier to carrier. Additional coverages are also available. Estimated Read Time: 13 mins

Table of Contents:

  1. Best Medicare Supplement Plans in North Dakota
  2. Who is Eligible for Medicare Supplement Plans in North Dakota?
  3. How Much Do Medicare Supplement Plans in North Dakota Cost?
  4. Companies Offering Medicare Supplement Plans in North Dakota
  5. Medicare Supplement Plans for Disabled in North Dakota
  6. Medigap Rating Methods in North Dakota
  7. Medigap Guaranteed Issue Protections in North Dakota
  8. When to Enroll in Medicare Supplement Plans in North Dakota
  9. Does North Dakota Allow Medicare Excess Charges?
  10. Alternative Medicare Coverage Options for Beneficiaries in North Dakota
  11. How to Apply for a Medicare Supplement Plan in North Dakota

If you reside in North Dakota and are eligible for Original Medicare, your main concern may be how to cover the out-of-pocket costs that come with your health insurance coverage. Luckily, Medicare Supplement plans in North Dakota are available to help you cover these costs and save money.

Also known as Medigap plan in North Dakota, finding the right plan for you depends on your coverage needs and ideal budget. Below, we review key information about Medicare Supplement plans in North Dakota and how you can benefit from these plans.

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Best Medicare Supplement Plans in North Dakota

Medicare Supplement plans in North Dakota are available in 12 different lettered plans. So, how do you know which are the best Medicare Supplement plans in North Dakota? It depends on your needs.

Everyone has their own healthcare and budget to focus on, and this will help you decide which Medicare Supplement plans available in North Dakota are right for you. Due to their low out-of-pocket costs, lack of network restrictions, and nationwide accessibility of the plans, many find Medigap plans in North Dakota attractive options.

Because the federal government has standardized the benefits of North Dakota Medigap plans, each Medigap plan within each letter will offer the same level of coverage. But the benefits are provided by private carriers, who also offer plan coverage at varying rates. Therefore, you can see why it’s important to compare your options.

While finding the “best” Medicare Supplement plans in North Dakota is subjective, there are three options that continue to be the most popular among Medicare beneficiaries. Below, we’re breaking each down and how they can help you cover expensive healthcare costs.

Medicare Supplement Plan F in North Dakota

Medicare Supplement Plan F in North Dakota is the most comprehensive Medigap plan available. However, not all Medicare recipients are eligible to enroll in the plan.

To enroll in Medicare Supplement Plan F in North Dakota, you must have been eligible for Medicare coverage before January 1, 2020.

If you are eligible to enroll in Medigap Plan F in North Dakota, you will receive 100% coverage on all of the out-of-pocket costs left for you to pay from Original Medicare. Because of this coverage, Medicare Supplement Plan F in North Dakota is one of the most sought-after supplemental options on the market. However, the monthly premium cost of this plan is the highest among all Medigap plans in North Dakota. Thus, enrollees are turning to lower-cost options.

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Medicare Supplement Plan G in North Dakota

Medicare Supplement Plan G in North Dakota is quickly becoming the most enrolled option in the Peace Garden State. Those new to Medicare are eagerly signing up for Medigap Plan G in North Dakota to help cover their out-of-pocket costs and secure predictable healthcare expenses. It’s a great alternative for newly eligible Medicare beneficiaries, as Plan F has restrictions.

When you enroll in Medicare Supplement Plan G in North Dakota, you receive coverage for all your out-of-pocket Medicare expenses except for your Medicare Part B deductible. This means once you meet your annual Part B deductible, you will not pay any additional costs for Medicare-covered services until the following calendar year.

Medicare Supplement Plan N in North Dakota

Medicare Supplement Plan N in North Dakota is the third most popular option for beneficiaries. Medigap Plan N in North Dakota combines low monthly premiums with great coverage for out-of-pocket costs.

When you enroll in Medicare Supplement Plan N in North Dakota, you are responsible for covering the Medicare Part B deductible, small copays for doctor visits or the ER, and Medicare excess charges where applicable.

Although this plan does require you to pay the most out-of-pocket, it is a great option for those who do not frequently visit the doctor but wish to have coverage in an emergency.

Who is Eligible for Medicare Supplement Plans in North Dakota?

Anyone eligible for Original Medicare benefits is eligible for supplemental coverage. Therefore, if you have Medicare Parts A and B, you can also enroll in Medicare Supplement plans in North Dakota.

Here’s who qualifies for Medicare Supplement plans in North Dakota:

  • Anyone who is age 65 and has either been a U.S. citizen or legal resident for a minimum of five years.

Alternatively, you can also receive Medicare benefits before turning 65 years old. In this case, here are the groups that will qualify:

Outside of your Medigap Open Enrollment Period, eligibility for Medicare Supplement plans in North Dakota can also depend on your health. You can be denied for your medical history during underwriting from private carriers. For example, if you have suffered from heart attacks or strokes, you may not be able to enroll at the discretion of the insurer.

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How Much Do Medicare Supplement Plans in North Dakota Cost?

The cost of a Medicare Supplement plan in North Dakota depends on several factors. Your age, ZIP Code, gender, and other factors play a role in how much you will pay for your monthly premium. Each carrier will also use a different Medigap rating method which will affect how much you pay.

Costs vary from carrier to carrier and person to person. To get a better idea of how much you’ll pay for Medicare Supplement plans in North Dakota, we’ve compiled averages from Medicare.gov to paint a better picture.

The chart below outlines the cost for non-smoking Medicare Supplement enrollees in North Dakota:

Female, No Tobacco, North Dakota ZIP Code 58103
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $0-248* $0-$320*
Medicare Supplement Plan G $0-$212 $0-$295
Medicare Supplement Plan N $0-$167 $0-$244
Male, No Tobacco, North Dakota ZIP Code 58103
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $137-$315* $177-$441*
Medicare Supplement Plan G $118-$260 $143-$381
Medicare Supplement Plan N $87-$219 $111-$306

* If on Medicare before 1/1/20

Comparing Medicare Supplement plans in North Dakota is a great way to determine which plan is best for you. As you can see, the older you are, the higher your premium becomes, and other factors, including who you enroll with, will affect your premium.

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Companies Offering Medicare Supplement Plans in North Dakota

Choosing a Medicare Supplement carrier is just as important as choosing the right plan. Because Medigap plans in North Dakota are standardized (benefits remain the same among all carriers), it is important to choose a carrier that is highly rated and offers low monthly premiums.

You’ll want to find a carrier offering affordable coverage and low annual rate increases. However, you’ll also want to understand how your carrier operates and that they are reliable for your needs.

The Better Business Bureau (BBB) can help you understand how each carrier provides customer service. Both A.M. Best and S&P are independent credit agencies that assess the financial strength of each provider. Below are some of the highest-rated Medigap carriers in the Flickertail State:

Compare North Dakota Medicare Supplement Carriers
Carrier BBB Rating S&P Rating A.M. Best Rating
Blue Cross & Blue Shield of North Dakota B+ A- N/A
Cigna N/A A- A (Excellent)
Mutual of Omaha A+ A+ A+ (Superior)
United American A+ AA- (Very Strong) A (Excellent)

While these are only a handful of the carriers who offer Medigap plans in North Dakota, know there is a right carrier for each enrollee. Just because one carrier works for one client, the same company may not work for another. Enrolling in the right Medicare Supplement carrier is essential for a successful future with Medicare.

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Medicare Supplement Plans for Disabled in North Dakota

North Dakota Medicare Supplement carriers are not required to offer plans to those enrolled in Medicare on disability under age 65. Unfortunately, there is no federal regulation for Medigap plans in North Dakota if you are under the age of 65. Thus, carriers can choose if they will allow you to enroll in their coverage.

Often, if a plan is available to a Medicare recipient under 65 in North Dakota, the monthly premium cost will be higher compared to someone over age 65. This is due to the risk factors involved with your disability.

In this case, many may opt for the alternative and enroll in a Medicare Advantage plan. Then, once you age into Medicare, you will be eligible to enroll in a Medicare Supplement plan in North Dakota with no health questions during your Open Enrollment Period.

Medigap Rating Methods in North Dakota

Medigap rating methods are used to determine how much you’ll pay for your monthly premiums. Different methods are available, and depending on how your carrier rates a plan, you may pay a higher rate as a result.

This is one of the many reasons it’s so important to shop and compare rates in your area. Failing to do so may mean enrolling in a plan with a less favorable Medigap rating method for your needs and result in a higher premium.

In total, there are three Medigap rating methods available, but carriers offering Medicare Supplement plans in North Dakota only use two of them. Here’s how each will affect your monthly premium:

  • An attained-age rated plan will use the age you are currently to decide your premium, regardless of your age at enrollment. However, rates do increase over time as you age.
  • An issue-age rated plan is going to look at the age you are when enrolling and base your monthly premium on it. The earlier you sign up, the more you save. Waiting to enroll when you are older is going to result in a higher cost.

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Medigap Guaranteed Issue Protections in North Dakota

Enrolling in a Medicare Supplement plan in North Dakota is possible all year long, but if you sign up outside of your Medicare Supplement Open Enrollment Period, you’ll face medical underwriting. Of course, these questions can cause you to pay more or be denied coverage, yet there are still exceptions.

Certain qualifying life events in which you lose your coverage are protected by what is known as Medigap guaranteed issue protections or guaranteed issue rights. During these scenarios, you can enroll in Medicare Supplement plans in North Dakota without facing medical underwriting. These are the events that qualify:

  • You have Medicare Advantage, but your plan either stops providing coverage in your area, is leaving Medicare altogether, or you’ve moved from your plan’s service area.
  • You have Original Medicare benefits and coverage from your employer group health plan, which pays after Medicare, and the coverage is ending. This includes retiree, COBRA, or union coverage. Depending on the laws in your state, you may have additional rights in this situation.
  • You have a Medicare SELECT policy but moved out of its service area.
  • Known as a trial right, if you joined Medicare Advantage Plan or Program of All-Inclusive Care for the Elderly (PACE) right when you became eligible for Medicare, you can switch to Original Medicare if it’s within the first year of joining.
  • Another trial right is available if you’ve dropped your Medicare Supplement plan so that you can join Medicare Advantage or Medicare SELECT for the first time. So long as it’s been within a year, you can switch back to Medigap.
  • If your carrier offering Medigap goes bankrupt and you lose your coverage, or if you have lost coverage through no fault of your own.
  • If a carrier lies to you or hasn’t followed the rules or misled you, you can leave your Medicare Supplement or Medicare Advantage plan.

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When to Enroll in Medicare Supplement Plans in North Dakota

The best time to enroll in Medicare Supplement plans in North Dakota is when you are first eligible for Original Medicare benefits at age 65, during your Medigap Open Enrollment Period. There are several benefits to doing so. Here’s how you benefit:

  • Going without supplemental coverage means you’ll have to pay for all of the out-of-pocket expenses yourself. The sooner you enroll, the sooner you can cover expensive healthcare costs that continue to rise.
  • Signing up for a Medigap plan in North Dakota as soon as you’re eligible will also save you money. Remember, depending on the Medigap rating method used, that you’ll pay lower premiums when you’re younger compared to signing up when you’re older.

Your Medigap Open Enrollment Period is a six-month open enrollment window that begins on the first day your Medicare Part B becomes eligible. Depending on the carrier you choose, you may be given an additional six months prior to your Part B start date to enroll in coverage.

Does North Dakota Allow Medicare Excess Charges?

Medicare excess charges are an up-to-15 % additional fee on top of the Medicare-approved amount for a service that can be added if your doctor does not accept Medicare Assignment. Not all states allow excess charges. However, North Dakota is one of the states that does allow doctors to charge this fee if applicable.

Keep in mind excess charges are not common. So, you will likely never encounter them. However, it is important to know that the additional fee is a possibility when you reside in a state that does not outlaw the charges. To avoid excess charges, speak with your doctor about Medicare Assignment before you receive care.

Additionally, if you live in North Dakota and receive care in a state that does not allow excess charges, you will not be required to pay any additional fees for your service.

Additional Medicare Coverage Options for Beneficiaries in North Dakota

If you are enrolled in a Medicare Supplement plan in North Dakota, there are certain benefits you may be lacking. These benefits include dental, vision, hearing, and prescription drug coverage. Luckily, these options are available in the form of individual ancillary coverages.

Ancillary plans are available to cover dental, vision, and hearing coverage for Medicare enrollees across the state of North Dakota. These plans allow you to visit the doctor of your choice and receive care not otherwise available through Original Medicare.

Medicare Part D plans are also available to enroll in when you have Original Medicare. With or without a Medigap plan in North Dakota, Medicare Part D coverage is essential to receive prescription drug benefits. Each Medicare Part D prescription drug plan works off a formulary, which lists the drugs covered. Be sure to double-check each plan’s formulary before enrollment to be sure that your medications are covered.

Additionally, if you decide a Medicare Supplement plan in North Dakota is not right for you, looking into Medicare Advantage plans may be another great option. Medicare Advantage plans have networks and may require both additional out-of-pocket costs and prior authorizations. However, these plans are viable options for some people, depending on healthcare and budgetary needs.

Regardless of the plans you choose to enroll in, working with a licensed insurance agent is the best way to compare Medicare coverage and find rates in your area.

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How to Apply for a Medicare Supplement Plan in North Dakota

Choosing a Medigap plan in North Dakota is difficult to do alone. As you’ve learned above, the right policy for you isn’t always the most suitable for another person.

At MedicareFAQ our agents understand that education is the most important first step in enrolling in a Medicare Supplement plan in North Dakota. Once you understand your options, you will then be able to adequately choose the right coverage and carrier.

Luckily, we work with several top carriers in your area to bring you a wealth of coverage options at the lowest price to you. The best part is that our services are available to you at no additional cost.

Give us a call at the number above to talk to a licensed insurance agent on Medicare Supplement plans in North Dakota. You can also click the compare rates button to view premiums in your area today!

Sources

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Find a Medigap policy that works for you, Medicare.gov. Accessed August 2023.
    https://www.medicare.gov/medigap-supplemental-insurance-plans/
  2. Get ready to buy, Medicare.gov. Accessed August 2023.
    https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy
  3. Medigap Enrollment and Consumer Protections Vary Across States, KFF. Accessed August 2023.
    https://www.kff.org/medicare/issue-brief/medigap-enrollment-and-consumer-protections-vary-across-states/
Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare guru serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Medicare Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

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