Medicare Supplement Plans in North Dakota
This article was updated on: 11/02/2018
According to the Centers for Medicare and Medicaid Services (CMS), North Dakota is the home to almost 103,000 Original Medicare beneficiaries. If you’re enrolled in Original Medicare, you may be eligible for a Medicare Supplement plan in North Dakota.
Medicare Supplement plans in North Dakota are offered by private insurance companies and help pay Medicare out-of-pocket costs, including copayments, coinsurance and deductibles. Medicare Supplement in North Dakota only works with Original Medicare; you cannot use it together with a Medicare Advantage plan.
Why would I need Medicare Supplement in North Dakota?
You may know that Original Medicare (Part A and Part B) has no out-of-pocket maximum. This means that if you develop an illness that requires extensive hospitalization or many doctor visits, you could face thousands and thousands of dollars of out-of-pocket expenses.
A Medicare Supplement plan gives you some protection against these out-of-pocket expenses. Medicare Supplement Plans K and L have out-of-pocket limits, meaning that 100% of your covered services may be paid for by the plan once you meet your yearly limit and pay your Part B deductible.
Who can get Medicare Supplement in North Dakota?
Generally the best time to apply for a Medicare Supplement plan in North Dakota is when you are 65 or older and enrolled in Medicare Part B. When you meet both these requirements, you will granted a Medicare Supplement Open Enrollment Period.
During this 6-month open enrollment period, you can apply for any Medicare Supplement plan in North Dakota without being subjected to medical underwriting. Medical underwriting is when insurers consider your health conditions and the cost to insure you before offering you insurance. After this 6-month period is over, you may be subjected to medical underwriting. You may still be able to purchase a Medicare Supplement plan, but it may cost you more than it would cost someone who has no health problems.
Medicare beneficiaries under 65 in North Dakota are generally never exempt from medical underwriting. Private insurance companies are not required to sell Medicare Supplement plans to people under 65. Although some states require private insurance companies to sell Medicare Supplement plans to people under 65, North Dakota is not one of those states. If you are under 65 in North Dakota you can still apply for a Medicare Supplement plan but keep in mind you may be rejected based on a health condition.
What Part A costs do Medicare Supplement plans in North Dakota cover?
There are up to 10 Medicare Supplement plans available in North Dakota, labeled A, B, C, D, F, G, K, L, M and N. The plans are standardized, meaning that plans of the same letter offer the same basic benefits regardless of which private insurance company offers them.
Part A is hospital insurance. All plans cover Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up.
Additional Part A benefits that may be covered include:
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
What Part B costs do Medicare Supplement plans in North Dakota cover?
Part B is medical insurance.
Part B covered costs can include:
- Part B coinsurance or copayment
- Part B deductible
- Part B excess charge
The Part B coinsurance or copayment is typically 20% of the Medicare-approved amount for doctor services, outpatient therapy, and durable medical equipment.
What other costs do Medicare Supplement plans in North Dakota cover?
Medicare Supplement plans may also cover:
- The first 3 pints of blood you need for a blood transfusion
- Foreign travel emergencies up to plan limits
Medicare Supplement plans in North Dakota typically do not cover routine dental, routine vision, or routine hearing. Medicare Supplement also does not generally cover prescription drugs. For prescription drug coverage, you can enroll in a Part D Prescription Drug Plan.
To start looking for Medicare Supplement plans in North Dakota now, enter your zip code on this page.
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