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Medicare Supplement Plans in North Dakota

If you are looking for the best Medicare Supplement plans in North Dakota, then you already know that Original Medicare Insurance doesn’t cover all of your medical expenses, but there is good news! If you are enrolled in Medicare Part A and Medicare Part B or will be in the near future, you can reduce the financial burden you must pay by purchasing a Medicare Supplement insurance plan in North Dakota.

What Medicare Supplement plans are available in North Dakota?

1. Best for full coverage: Medicare Plan F

  • Available to beneficiaries whose eligibility for Medicare was prior to January 1, 2020
  • Covers every benefit that Medigap insurance can offer

2. Best comprehensive coverage for 2022: Medicare Plan G

  • Covers the same benefits as F with one exception – Medicare Part B deductible
  • Offered at a lower premium than F

3. Best Value: Medicare Plan N

  • Covers most of the same benefits as G
  • Good choice if you are looking for great coverage but want to keep your monthly premium down

4. Best for budget: High-Deductible F 

  • Plan that requires a deductible before benefits kick in
  • $2,490 deductible in 2022
  • Benefits are the same as regular Plan F but with a lower premium

5. Best for budget: High-Deductible G

  • Plan that requires a deductible before benefits kick in
  • $2,490 deductible in 2022
  • Benefits are the same as regular Plan G but with a lower premium

When Can I Apply for a Medicare Supplement Plan?

The Medigap Open Enrollment Period is the best time to apply for a plan because you will generally benefit from:

  • Better prices even if you have health conditions
  • Better plan selections you can compare

This is not the same as election periods for Medicare Advantage or the Medicare Part D plan (prescription drug plan). Your Medigap Open Enrollment Period:

  • Begins when you turn 65 and have Part B Medicare benefits
  • Ends six months later

If you apply for a plan outside open enrollment and are unable to meet the requirements set by medical underwriting, your plan options may be limited and priced higher. The Medicare insurance company can even decline your application.

Medigap does provide protection to beneficiaries who have lost their health care coverage under certain circumstances. This protection is known as guaranteed issue rights. If you have these rights, you are assured that:

  • You can buy a Medigap policy
  • Pre-existing conditions will be covered
  • Higher premiums will not be imposed based on health conditions

How Much Do Medicare Supplement Plans Cost in North Dakota?

Costs vary based on age, gender and location. To illustrate, here is sample pricing based on a 65-year-old woman who lives in Barnes County, zip code 58063, and does not smoke

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$114.29 - $167.08
Plan N$90.88 - $126.28

What Companies Sell Medigap Plans in North Dakota?

Following are three of the leading private insurance companies selling Medicare Supplement insurance plans in North Dakota. Each has been recognized by the Better Business Bureau with an A+ rating:

  • AARP
  • Humana
  • Omaha Insurance Company

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

North Dakota Medicare Resources

State Enrollment Statistics

Last year, the Centers for Medicare and Medicaid Services found that 101,000 people were enrolled in Medicare Part A and/or Part B. A total of 49,154 residents also purchased Medigap policies in 2015. Nearly half the population of Medicare recipients had Medigap plans that year.

The top 5 most populous counties in North Dakota are listed below:

  • Cass County with 170,620 people
  • Burleigh County with 92,372 people
  • Grand Forks County with 70,130 people
  • Ward County with 69,628 people
  • Williams County with 32,916 people

Related Topics

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