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North Dakota

Top Medicare Advantage Plans in North Dakota for 2024

by David Bynon, last updated September 22, 2023

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2024 Medicare Advantage Open Enrollment Begins October 15

Be the first to know about the best new plans in North Dakota for 2024. Sign-up for our 2024 Medicare Advantage plan notification service HERE. The 2024 Medicare Part C information will be available in early October.

Finding the Best Medicare Advantage Plan in North Dakota Starts Here

If you live in North Dakota and you're thinking about enrolling in a 2024 Medicare Advantage plan, you're not alone. This year nearly half of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more doctors and other healthcare providers.

This page aims to assist you in uncovering the highest-rated Medicare Advantage (MA) plans in North Dakota, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific region. This information is vital since plan availability varies across different areas.

Table of Contents

Who Has The Best Plans in North Dakota? Complete List of Providers Best Plans By CMS Rating Best Plans By County How To Find The Best Plan Next Steps
If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

Locating the Best Medicare Advantage Plans in North Dakota

The Centers for Medicare & Medicaid Service (CMS) rates and reviews North Dakota's Medicare Advantage plans based on a 5-star rating scale. Information from members and data provided by plans is used to determine a plan's star rating.

There are no 5-star plans in North Dakota in 2023. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in North Dakota come from:

  1. Humana
  2. Medica
  3. NextBlue of North Dakota

We recommend evaluating the health plans from these North Dakota health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.

CRUCIAL: Benefits are not the same throughout North Dakota. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.

Complete List of North Dakota's Providers

Approximately 8 health insurance providers offer Medicare Advantage plans in North Dakota, including:

  • Aetna Medicare
  • HealthPartners
  • Humana
  • Lasso Healthcare
  • Medica
  • NextBlue of North Dakota
  • Sanford Health Plan
  • UnitedHealthcare

Top Ranked Plans in North Dakota

According to the Centers for Medicare & Medicaid Services, here are the top-ranked Medicare Advantage Plans available in North Dakota:

Top Medicare Advantage Plans in North Dakota

Best Medicare Advantage Plans in North Dakota for 2023
Provider Plan ID Plan Name Premium Limit Stars
HumanaH5216-171Humana Value Plus H5216-171 (PPO)$38.80$6,7004.5
HumanaH5216-088HumanaChoice H5216-088 (PPO)$67.00$6,7004.5
HumanaH5216-092HumanaChoice H5216-092 (PPO)$37.00$6,7004.5
HumanaH5216-103HumanaChoice H5216-103 (PPO)$105.00$3,2504.5
HumanaH5216-273HumanaChoice H5216-273 (PPO)$0.00$4,0004.5
MedicaH2450-035Medica Prime Solution Core w/Rx (Cost)$149.10$4,0004.5
MedicaH2450-037Medica Prime Solution Premier w/Rx (Cost)$266.20$3,0004.5
MedicaH2450-007Medica Prime Solution Thrift w/Rx (Cost)$90.30$6,7004.5
NextBlue of North DakotaH6202-001NextBlue Classic PPO (PPO)$0.00$5,5004.5
NextBlue of North DakotaH6202-002NextBlue Premium PPO (PPO)$69.00$3,7504.5
HumanaH5525-067HumanaChoice H5525-067 (PPO)$0.00$4,0004.0
HumanaH8145-089Humana Gold Choice H8145-089 (PFFS)$95.00N/A4.0
UnitedHealthcareH0271-017UnitedHealthcare Medicare Advantage Assure (PPO)$39.90$8,3004.0

The top providers listed above do not tell the full story. That's because your North Dakota County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.

Best MA Plans in North Dakota by County

Choose your North Dakota County below to see the best (and the worst) plans.

Adams County, ND Medicare Advantage Plans
Barnes County, ND Medicare Advantage Plans
Benson County, ND Medicare Advantage Plans
Billings County, ND Medicare Advantage Plans
Bottineau County, ND Medicare Advantage Plans
Bowman County, ND Medicare Advantage Plans
Burke County, ND Medicare Advantage Plans
Burleigh County, ND Medicare Advantage Plans
Cass County, ND Medicare Advantage Plans
Cavalier County, ND Medicare Advantage Plans
Dickey County, ND Medicare Advantage Plans
Divide County, ND Medicare Advantage Plans
Dunn County, ND Medicare Advantage Plans
Eddy County, ND Medicare Advantage Plans
Emmons County, ND Medicare Advantage Plans
Foster County, ND Medicare Advantage Plans
Golden Valley County, ND Medicare Advantage Plans
Grand Forks County, ND Medicare Advantage Plans
Grant County, ND Medicare Advantage Plans
Griggs County, ND Medicare Advantage Plans
Hettinger County, ND Medicare Advantage Plans
Kidder County, ND Medicare Advantage Plans
Lamoure County, ND Medicare Advantage Plans
Logan County, ND Medicare Advantage Plans
McHenry County, ND Medicare Advantage Plans
Mcintosh County, ND Medicare Advantage Plans
Mckenzie County, ND Medicare Advantage Plans
Mclean County, ND Medicare Advantage Plans
Mercer County, ND Medicare Advantage Plans
Morton County, ND Medicare Advantage Plans
Mountrail County, ND Medicare Advantage Plans
Nelson County, ND Medicare Advantage Plans
Oliver County, ND Medicare Advantage Plans
Pembina County, ND Medicare Advantage Plans
Pierce County, ND Medicare Advantage Plans
Ramsey County, ND Medicare Advantage Plans
Ransom County, ND Medicare Advantage Plans
Renville County, ND Medicare Advantage Plans
Richland County, ND Medicare Advantage Plans
Rolette County, ND Medicare Advantage Plans
Sargent County, ND Medicare Advantage Plans
Sheridan County, ND Medicare Advantage Plans
Sioux County, ND Medicare Advantage Plans
Slope County, ND Medicare Advantage Plans
Stark County, ND Medicare Advantage Plans
Steele County, ND Medicare Advantage Plans
Stutsman County, ND Medicare Advantage Plans
Towner County, ND Medicare Advantage Plans
Traill County, ND Medicare Advantage Plans
Walsh County, ND Medicare Advantage Plans
Ward County, ND Medicare Advantage Plans
Wells County, ND Medicare Advantage Plans
Williams County, ND Medicare Advantage Plans
Need assistance finding the best Medicare Advantage for you? Let the professionals at HealthCompare [1] answer your questions and show you your best plan options.

For fast, friendly assistance call 1-855-728-0510 (TTY 711) .

Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in North Dakota

You may be looking at plans for several different reasons, including turning 65 or the Annual Enrollment Period. Or, perhaps you are navigating a special enrollment event, such as moving to a new area. In all of these cases, there are a few important details you need to consider.

1. Consider Your Expected Utilization

Utilization is what determines your overall cost. Healthy individuals use fewer healthcare services. These people can save money by evaluating plans with low monthly premiums. Be aware that these plans often have higher copayments and a higher maximum out-of-pocket limit.

The opposite is true if you have one or more health conditions and frequently use healthcare services, especially hospital inpatient care. In this case, plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits will help you save money.

2. Examine Your Prescription Medication Expenses

Prescription drugs are often the main reason that seniors pay more for healthcare. Because most North Dakota Medicare Advantage plans include Part D coverage for prescriptions, it is important to ensure you get the right plan that covers your drugs at a cost you can afford.

3. Understand Your Additional Coverage Requirements

Original Medicare only covers your major medical services, leaving you to pay for dental, vision, hearing, and other healthcare services, or get additional coverage. Fortunately, a growing number of Medicare Advantage plans cover many of the essential services not covered by your Part A and Part B benefits.

4. Think About Your Preferred Healthcare Providers

Medicare Advantage plans have healthcare provider networks. Unfortunately, not all specialists and primary care doctors accept all plans. Many people on Medicare in North Dakota tell us it's difficult to find a plan their doctors take. We can help!

Find Plans in your area with your ZIP Code

Next Steps

If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

Frequently Asked Questions

Still have questions? These common questions and answers might help.

What are the pros and cons of a Medicare Advantage plan?

Medicare Advantage plans have several potential disadvantages. For instance, most plans require their members to use their network of providers. Also, costs are also largely based on your use of healthcare services, making it more difficult to budget for healthcare costs. And, most plans make members get referrals to see a specialist or prior authorization to receive a service. Read about all five disadvantages of Medicare Advantage plans.

How much do Medicare Advantage plans cost in North Dakota?

A Medicare Advantage plan in North Dakota costs an average of $56.92. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costs.

What is every Medicare Advantage plan required to include?

At a minimum, every Medicare Advantage plan sold in North Dakota must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.

Citations & References

  • CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
  • Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
  • Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
  • KFF.org, "An Overview of the Medicare Part D Prescription Drug Benefit", Last Accessed October 19, 2022
  • Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 2022
  • CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
  • CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
  • CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
  • CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023

Plans Offered

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.

For Researchers

Next State of Best Medicare Advantage Plans:

  • https://medicarewire.com/medicare-advantage/ohio/

Previous State of Best Medicare Advantage Plans:

  • https://medicarewire.com/medicare-advantage/north-carolina/

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[3] Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.


[4] The standard Part B premium for 2023 is $164.90. Monthly savings vary and may be subject to processing delays and may not be immediate. Not available with all plans. Availability varies by carrier and location.


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