North Dakota Medicare Insurance Plans
Medicare is a federally sponsored health insurance program available to those over the age of 65, as well as to individuals who have certain disabilities. At the state level, however, there exist specific organizations that help beneficiaries better understand the Medicare process, and Medicare recipients may even qualify to receive state subsidies, depending on their circumstances. Consider the following information if you are interested in obtaining Medicare coverage in the state of North Dakota.
Medicare Supplement Insurance (Medigap) Policies
There are 10 Medigap plans available within a six-month enrollment period at age 65 to help cover the gap in your health expenses. North Dakota does not have a requirement for insurers to sell Medicare Supplement Insurance policies to people under 65. Some insurance companies may voluntarily sell Medigap policies to people under 65, although they may cost more than Medigap policies sold to people over 65. Find more details CMS.gov.
Mini-COBRA Policies (Small Group)
North Dakota has its own mini-COBRA coverage. If your employer has less than 20 employees, the law identifies the specific rules and regulations to continue your group health coverage. This is only temporary coverage, for 39 weeks. You must pay the entire premium to your employer. Find more details on COBRA and mini-COBRA here.
North Dakota Medicare Savings Program
North Dakota has four Medicare Savings Programs available, depending on your income level.
*The following data is from 2016 and is based on federal amounts. These amounts may increase in 2017. If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.
- *Qualified Medicare Beneficiaries (QMBs): For QMBs, North Dakota covers all premiums for Medicare Part B and all copayments and deductibles for Medicare Parts A and B. For individuals with a monthly income under $1,010 or couples with monthly income under $1,355.
- *Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income under $1,208 or couples with monthly income under $1,622.
- *Qualified Individuals (QIs): The state will pay Medicare Part B premiums for individuals with a monthly income under $1,357 or couples with monthly income under $1,823.
- *Qualified Disabled and Working Individuals (QDWIs) – For individuals with a monthly income under $4,045 or couples with a monthly income under $5,425.
*Data from Medicare.gov
According to ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.
Senior Health Insurance Counseling (SHIC)
Local North Dakota SHIC centers were created to help residents understand the various insurance options open to them. North Dakota SHIC provides local counseling sessions as well as personal phone and office consultations for patients throughout the state, educating North Dakota residents on the wide variety of medical care and insurance options available (which can vary from region to region), including:
- Medicare (Parts A and B)
- Medicare Advantage Plan (Part C)
- Medicare Prescription Drug Plans (Part D)
- Medicare Supplement Insurance (Medigap)
- Prescription assistance programs
- Long-term care and payment options
- Healthcare rights and protections
- Low-income assistance programs
North Dakota SHIC also works on behalf of Medicare patients by dealing with claims and disputes through a network of SHIC volunteers throughout the state.
Low-Income Subsidy (Extra Help) for Prescription Drugs
In 2016, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple).
North Dakota residents looking for answers about the best plan available for them in their area should consult with a licensed sales agent at MedicareSolutions.com. Our knowledgeable representatives can tailor the best solutions for your needs. Call us today to compare North Dakota Medicare insurance plans and pick the one that fits your needs.