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Best Medicare Supplement Plans in North Dakota 2021

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 Are the Top 5 Medicare Supplement Plans in North Dakota?

1. 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. Medicare Plan G

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

3. 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. High-Deductible Plan F

  • Plan that requires a deductible before benefits kick in
  • $2,370 deductible in 2021
  • Benefits are the same as regular Plan F but with a lower premium

5. High-Deductible Plan G

  • Plan that requires a deductible before benefits kick in
  • $2,370 deductible in 2021
  • Benefits are the same as regular Plan G but with a lower premium

What is the Best Supplemental Insurance to go with Medicare?

The best supplemental insurance policy is different for everyone. Guidance from a licensed insurance agent can help you decide what is best for you.

1. What Is the Most Popular Medicare Supplement Plan in North Dakota for 2021?

Since F is no longer one of the plan options for Medicare beneficiaries whose eligibility effective date is January 1, 2020 or later, G has gained increasing popularity.

2. Which Plan Has the Best Benefits in North Dakota?

Plan G has earned accolades for its vast coverage at reasonable rates. This plan extends way beyond basic benefits.

3. How Do I Choose the Best Plan?

Variables to consider when choosing a plan include:

  • Availability
  • Affordability
  • Appropriate coverage for your needs

4. Which Medigap Company Offers the Best Rates in North Dakota?

Our Policy Guides are able to provide quotes promptly, but don’t compare plans on pricing alone. Consider each plan on its own merit according to the benefits you need.

What is the Average Cost for a Medicare Supplement Plan in North Dakota for 2021?

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.

Plan Premium Range Average Premium
B $137.70 – $163.60 $150.65
N $90.88 – $126.28 $104.57
G $114.29 – $167.08 $146.79

Common North Dakota Medicare Supplement Plan Questions

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

When Can I Apply for a North Dakota 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

Which is better, Medigap Plan G or Plan N?

Your personal preference between Plan G and N may be based on:

  • Rates: lower for N
  • Benefits: Part B excess charges and copayments covered by G, not N.
  • Your responsibility for Part B copayments under Plan N: up to $20 for office visits and up to $50 for ER visits

What is Medicare Supplement Insurance?

Original Medicare is a federal Medicare program that covers some but not all medical expenses, including

  • Medicare Part A: Inpatient services in hospitals, skilled nursing facilities and hospice care
  • Medicare Part B: Services delivered by health care providers on an outpatient basis as well as durable medical equipment for home use

Health care costs not included in Medicare coverage can add up over time. That’s where Medicare Supplement plans in North Dakota can help:

  • All Medigap policies cover 100% of the Part A coinsurance.
  • All plans cover all or part of the Part B coinsurance.
  • Most plans cover all or part of the Part A deductible.
  • Legacy plans cover the Part B deductible.
  • Several plans cover foreign travel emergency up to plan limits.

Enroll in:

  • Original Medicare through Social Security
  • Part D (prescription drug coverage) through a private insurer unless you have creditable coverage through an employer or union
  • Medicare Supplement insurance plans through private health insurance companies

Is Plan G the Best Medigap Plan in North Dakota?

How Much Does it Cost?

As an example, here is what Plan G would cost a 65-year-old nonsmoking female living in Nelson county, zip code 58224:

  • Premium range: $114.29 – $195.89
  • Premium average: $156.39

What is the Plan G Deductible in 2021

Contrary to what many beneficiaries think, there is no deductible associated with Plan G. However, you are responsible for:

  • Part B deductible, $203 in 2021
  • Medicare Part D plan deductible

Note that if you had Plan A, you would also be responsible for the Medicare Part A deductible in full.

What does Medigap Plan G Cover in North Dakota?

Related Topics

Plan G by State

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
Key Take Aways
  • There are 10 Medicare Supplement Plans in North Dakota to choose from.
  • In North Dakota, Medicare Supplement Plan G is the most popular plan.
  • Medigap Plans do not use a network, go wherever Original Medicare is excepted
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