North Dakota Medicare Plans
In North Dakota there are numerous combinations of Medicare health coverage that can meet your needs. Original Medicare may not be enough coverage for you so enrolling in a Supplement, Advantage or Part D plan may be in your best interest. Regardless of what you need, we can help you compare options and prices to find the best option for your needs.
North Dakota Medicare plans open enrollment
The open enrollment period for North Dakota residents begins at 65. This period last for 6 months beginning 3 months prior to your birthday and continuing for 3 months following your birthday. At this time it is best to enroll in a Supplement as you cannot be declined based on your health.
While you can choose to enroll in a Supplement at any time throughout the year, you will have to complete a health survey and can be declined coverage based on your pre-existing health conditions.
The Medicare plans in North Dakota are best when combined with a Supplement. Original Medicare leaves behind coinsurance and deductible costs. You may have additional costs as Original Medicare only covers about 80% of outpatient costs.
A Supplement can put a cap on out-of-pocket spending. Another benefit is you can see any doctor that accepts Medicare.
There are ten standardized plans lettered A-N. Similarly, lettered plans offer similar cover, the only difference being the cost. It is so important to compare and shop the best plan for your healthcare needs and your budget. We offer a service to assist you with this process that free!
If you were enrolled in Medigap plans C or F before 2019, you could remain enrolled in those plans; however, new beneficiaries cannot enroll in those two plans.
Medicare Advantage Plans
There are 18 Advantage Plans (Part C plans) available in North Dakota based on which county you live in. These plans provide all the existing benefits of Original Medicare and have some additional benefits. These private insurance plans include vision, dental and prescription drug coverage.
The enrollment period for Advantage plan beneficiaries begins January 1st and runs through March 31st. At this time existing users can switch plans or opt into an Original Medicare plan if they choose.
Medicare Part D
Prescription coverage is often something beneficiaries need in their healthcare coverage. There are 28 Part D plans in North Dakota. These plans limit out-of-pocket expenses at the pharmacy. Many beneficiaries choose to enroll in a Part D plan or an Advantage plan to cover prescription drug costs.
How we can help
Remember, all plans provide standardized coverage and the only difference is the cost. Our North Dakota licensed agents are ready to help you shop these plans to create the best combination of coverage for your needs and your budget. We offer this service at no cost to you. Reach out today and allow us to assist you through this enrollment process.