North Dakota Medicare Insurance Plans
Residents looking for information on North Dakota Medicare insurance plans have a variety of options available to them. Below are several opportunities based on your income and eligibility for the Medicare programs.
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 has no requirement for insurers to sell Medicare Supplement Insurance policies before then. While there were plans with varying coverage before 1992, all sign-ups for Medigap after that year have been one of the 10 supplemental plans. Beyond the six-month enrollment period, there are other guaranteed-issue time frames that can give residents a 12-month opportunity window to buy such insurance.
Mini-COBRA Policies (Small Group)
North Dakota has its own mini-COBRA coverage, which gives you a maximum of 36 months worth of limited coverage in case of termination from your employment.
North Dakota Medicare Savings Program
North Dakota has three 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.
*Data from Medicare.gov
**According to Secure.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 is right for you.