North Dakota Medicare Supplement Plans: What's the Difference?
Most Medicare experts agree: Original Medicare, combined with North Dakota Medicare supplemental insurance, provides the best health coverage North Dakota seniors can get. But, which supplement is the right one for you?
This is a complicated question. After all, we're all different and have different needs. For most of us, it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of three plans: F, G, and N. Keep reading and we'll explain why.
Top 10 Medicare Supplement Plans in North Dakota
Looking for the best Plan F, G or N available to North Dakota seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
North Dakota Medicare Supplement Plan F Comparison Chart
Medicare Supplement Plan F is the most popular Medigap plan available in North Dakota. Here are the 10 best Plan F policies available in North Dakota based on our reviews (click for details):
North Dakota Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among North Dakota seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in North Dakota based on our reviews (click for details):
North Dakota Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many North Dakota seniors. Here are the 10 best Medigap Plan N policies available in North Dakota based on our reviews (click for details):
Abour our North Dakota Supplemental Medicare Insurance Reviews
We evaluate all Medicare Supplement companies servicing policies in North Dakota. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask your agent to provide this information.
We review Medicare Supplement Plans in North Dakota head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance. Call 1-855-266-4865 to speak with an agent and get a quote.
How Much do Medicare Supplement Plans Cost in North Dakota?
We show estimated monthly premiums for all Medicare Supplement Plans in North Dakota. Premiums shown come from our most recent review of each carrier and are based on a 65-year-old, non-smoking woman. Use our rates to compare carriers. Your agent will quote your final rate based on where you live, your current age, sex, and use of tobacco. Call 1-855-266-4865 to speak with an agent and get a quote.
Medigap Plans in North Dakota are Standardized
All Medicare Supplement insurance carriers in North Dakota are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
Each Medicare supplement insurance policy sold in North Dakota offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of liability coverage you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Are not required to offer every Medigap plan
- Must offer Medigap Plan A (basic benefits)
- Must also offer Plan C or Plan F
For more information, visit the North Dakota Department of Insurance website at http://www.state.nd.us/ndins/.
North Dakota Medigap Plan Comparison Chart
The comparison chart below shows the benefits offered by each standardized Medigap plan.
|Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Medicare Part B Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes**|
|Blood (First 3 Pints)||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Part A Hospice Care Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Skilled Nursing Facility Care Coinsurance||No||No||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Medicare Part A Deductible||No||Yes||Yes||Yes||Yes||Yes||50%||75%||50%||Yes|
|Medicare Part B Deductible||No||No||Yes||No||Yes||No||No||No||No||No|
|Medicare Part B Excess Charges||No||No||No||No||Yes||Yes||No||No||No||No|
|Foreign Travel Emergency (Up to Plan Limits)||No||No||Yes||Yes||Yes||Yes||No||No||Yes||Yes|
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Top Questions About Medicare Supplement Plans in North Dakota
We get a lot of great questions regarding Medigap plans in North Dakota. Here are the most common questions we answer.
It's different for everyone who applies. Monthly premiums on North Dakota Medigap plans are based on your age, gender, zip code, the plan you choose, and more. Use our free quote service to find the best rate on your plan.
Here's a list of top carriers by cost in North Dakota:
- Americo Life
- Reserve National
- Sanford Health
Unlike Medicare Advantage, there isn't an annual open enrollment period for Medicare Supplement plans. But, in many areas, you only have one chance to apply for a North Dakota Medigap plan without having to answer any health questions. You can learn more here.
Still have questions about Medicare Supplement Insurance in North Dakota?
Try one of these topics:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The North Dakota SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-888-575-6611; TTY: 1-800-366-6888
Additional Foot Notes
 Sample premium is for a 65 year old, non smoking, woman living in North Dakota. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
 Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.