Medicare in North Dakota
This article was updated on: 09/16/2018
Before you enroll in a Medicare plan in North Dakota, it is recommended that you consider all available options. As such, Medicare.com offers the use of our plan comparison tool for specific plan data and pricing.
About Medicare in North Dakota
Medicare is the federal health insurance program that provides coverage for North Dakota residents age 65 and older, as well as younger persons with certain disabilities and illnesses, such as Lou Gehrig’s disease (also known as ALS) or end-stage renal disease (ESRD). Some beneficiaries may decide to receive their coverage not through the federal government, but through a type of Medicare insurance called a Medicare Advantage plan (Medicare Part C) instead.
Types of Medicare coverage in North Dakota
Original Medicare, Part A and Part B, provides beneficiaries with inpatient hospital care through Medicare Part A, and doctor services/ some durable medical equipment under Part B.
Medicare Advantage plans (Medicare Part C) are an alternative to Original Medicare that is available through private insurance companies. Costs and coverage details are likely to fluctuate between insurance companies. Not all Medicare Advantage plans may be available in every county.
Medicare Part D is optional prescription drug coverage. It’s available through Medicare Prescription Drug Plans (PDPs) that are sold by private insurance companies. PDPs offer stand-alone prescription coverage that can be added to existing Original Medicare coverage. Medicare Part D coverage is also available through a Medicare Advantage Prescription Drug plan that provides at least the same coverage as Original Medicare (Part A and Part B), plus prescription coverage.
Medicare Supplement insurance, also called Medigap, offers coverage for Medicare copayments, coinsurance, and, in some cases, foreign travel emergency health care. You must already be enrolled in Original Medicare to enroll in a Medicare Supplement plan.
Local resources for Medicare in North Dakota
Medicare Savings Programs in North Dakota: Different programs can help Medicare beneficiaries in North Dakota save money by paying for all or some of Medicare’s premiums, copayments, and deductibles. Usually, to qualify you must have limited income or resources.
North Dakota State Health Insurance Counseling and Assistance Program (SHIP): The State Health Insurance Counseling Program (SHIC) of North Dakota offers free assistance and counseling to Medicare beneficiaries. They can help you better understand your Medicare rights and how to submit a complaint about medical care you received.
How to apply for Original Medicare in North Dakota
Applying for Original Medicare is the same in North Dakota as in any other state. You must be age 65 or older and either a United States citizen or a legal permanent resident of at least five continuous years. If you’ve worked at least 10 years (40 quarters) and paid Medicare taxes, you generally get Medicare Part A for free; you may also qualify for premium-free Part A based on your spouse’s work history. However, Medicare Part B typically comes with a premium.
In some situations, you may also be enrolled automatically if:
- You are currently receiving Social Security benefits or Railroad Retirement Board benefits before you turn 65.
- You have received disability benefits for 24 consecutive months from the Social Security Administration (or certain Railroad Retirement Board disability benefits). You’ll be automatically enrolled in the 25th month of disability benefits.
- You have Lou Gehrig’s disease (also known as amyotrophic lateral sclerosis, or ALS); you’ll be automatically enrolled in the first month of disability benefits.
If you’re eligible for automatic enrollment, your “Welcome to Medicare” packet will arrive in the mail a few months before you turn 65.
If you are eligible for Medicare, but were not enrolled automatically, you can always apply manually. You can do this by visiting your local Social Security Administration office or apply online or over the phone.
- Visit the Social Security website.
- Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
- Apply in person at a local Social Security office. Visit SSA.gov to find the closest location to you.
- If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.
Having a hard time deciding which Medicare plan is right for you? The decision probably depends on your situation, but you might have a lot of questions to ask. I am more than happy to work with you to provide those answers. If you are interested in that, click on my profile to learn more about my background by using the “View profile” link below. You can also use one of the other links to request a time to meet with me by phone or receive an email with personalized information. If you’d like to begin by shopping local plans yourself, simply scroll back up and click the Compare Plans button on this page.