North Dakota Medicare Part D Plans (PDP) 2018 Prescription Drug Plans for People with Medicare

There are fewer North Dakota Medicare Part D Plans (PDPs) in 2018 than in previous years. The good news is that premiums are holding steady. Be aware that the maximum deductible is now $405 per year, that's up $5 from last year.

Don't make a PDP decision on the premium and deductible alone. It's critical that you verify that your medications are covered. You find this information, and the co-payment tiers, in the formulary. On each PDP page (above) we post links to the formulary and pharmacy web pages, and the phone numbers to contact the plan.

2018 Medicare Part D Donut Hole

Are you aware that the Medicare Part D coverage gap (aka, donut hole) is still with us? The good news is that the coverage gap is shrinking, and soon it will be gone completely. Until then you can save money on your uninsured prescriptions in North Dakota by using a Prescription Savings Card or coupons. Pick one up at GoodRx.com.

The 2018 Initial Coverage Limit (ICL) is $3,750. The Coverage Gap (donut hole) starts when you reach the ICL ($3,750) and ends when you spend a total of $4,950. This year, Part D enrollees will get a 60% discount on the total cost of brand-name drugs purchased while in the donut hole. A 50% discount, paid by the brand-name drug manufacturer, applies to getting out of the donut hole. But, the additional 10% paid by your PDP does not count toward your True Out-of-Pocket (TrOOP) costs.

For instance, if you reach the donut hole and purchase a brand-name medication with a retail cost of $100, you'll pay $40 for the prescription and get a $90 credit toward meeting your total out-of-pocket spending limit.

PDP enrollees pay a 51% co-pay (maximum ) on all generic drugs purchased while in the coverage gap. For example, if you fall in the Donut Hole in 2018, and your generic medication retails for $100, you'll pay only $51. This amount counts toward your TrOOP.

Some plans offer additional gap coverage, so look for it on the plan information pages.

Did you Know Most North Dakota Medicare Advantage Plans Include Prescription Drug Coverage?

Your Medicare benefits are flexible, and there's more than one way to get prescription drug coverage. If you want to keep your Original Medicare, you can enroll in one of the stand-alone Part D plans listed above. The other way to get Part D is by enrolling in one of the North Dakota Medicare Advantage Plans that include prescription coverage.

Part D Plans and Medicare Supplements Work Together

Medicare does not pay for all of your hospitalization and doctor bills. Even with the new healthcare law fully in place, your Original Medicare only pays about 80 percent of your North Dakota healthcare bills. We keep an up-to-date catalog of North Dakota Medigap Plans, also call a Medicare Supplement, with the tools you need to find the best price and coverage. The prescription drug plans above are fully compatible with all Medicare Supplements sold in North Dakota.

North Dakota Medicaid and Your Medicare Part D

North Dakota seniors who qualify for both Medicare and Medicaid (aka, dual eligible or Medi-Medi) may be enrolled in a North Dakota Medicare Prescription Drug Plan automatically, as well as Social Security's Extra Help program. The Extra Help program pays for most of your prescriptions, but only if you meet the strict eligibility requirements. If the dual eligible option does not meet your needs, you have the option to enroll in a North Dakota Part D plan that does. If you are already receiving Medicaid, contact the your local Medicaid office for assistance in the transition to Medicare.

Related Information

• Who Qualifies For Medicare Part D Coverage?
• How Much Does Medicare Part D Cost?
• When Should I Get Medicare Part D Coverage?
• Can Changing My Medicare Part D Plan Lower My Drug Costs?