Find 2020 Medicare Plans in North Dakota - ND Medicare Insurance Overview

Medicare Insurance in North Dakota

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North Dakota Medicare Insurance

North Dakota Medical Insurance Stats

Medicare in North Dakota

Medicare offers healthcare coverage to North Dakota residents age 65 or older, or to those North Dakota residents that suffer from certain medical disabilities. In 2016, 116,000 people are enrolled in Medicare in North Dakota, accounting for 15.6% of the population in North Dakota. In 2009 approximately $7,958 was spent per Medicare enrollee in North Dakota, about 23.22% lower than the national average of $10,365. From 2015 to 2030 the senior population in North Dakota is projected to increase by an estimated 41.2% according to calculations based off of the 2000 Census. Therefore the number of Medicare enrollees in the state is also expected to grow.

Local Medicare Resources

Medicare beneficiaries, their families, and their caregivers who reside in Michigan can receive free, personal, and objective health insurance counseling services from the State Health Insurance Counseling Program (SHIC). Residents of North Dakota can also participate in a program called Senior Medicare Patrol (SMP) which aims to help individuals detect, protect themselves against, and report instances of Medicare errors, fraud, and/or abuse.

Types of Medicare Coverage

When you are eligible for Medicare you may sign up for Original Medicare (Part A & Part B), which cover hospital services and medical services, respectively, or you may enroll in a Medicare Advantage Plan (Medicare Part C). If you sign up for Original Medicare you also have the option to purchase a separate or stand alone prescription drug plan (Part D). Medicare Advantage and Medicare Part D insurance plans are sold by private insurance companies that have a contract with Medicare. Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. For most Medicare beneficiaries, Part A is already paid through paycheck deductions during their working years (or their spouse's) but most Medicare beneficiaries pay premiums for Part B unless they are eligible for financial assistance. Many Medicare beneficiaries will elect to enroll in a Medicare Advantage plan that includes prescription drug coverage (MAPD) or purchase a stand alone prescription drug plan to go with their Original Medicare coverage. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Most Medicare Advantage plans also include additional health benefits such as vision, dental, or hearing coverage and you have the option to purchase a Medicare Advantage plan with prescription drug coverage (MAPD) in almost all states.

North Dakota 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

  • The average total monthly premium for a 2017 Medicare Advantage plan in North Dakota is $120.90, 93.5% greater than the national average of $62.48. 2.5% of 2017 Medicare Part C insurance plans in North Dakota have a $0 monthly premium.
  • The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $399, but in North Dakota the average annual drug deductible for Medicare Part C insurance plans with drug components is $152.41. 40.47% of 2017 Medicare Part C insurance plans with a drug component in North Dakota have a $0 annual drug deductible.
  • The average total monthly premium for a 2017 Medicare Advantage plan without a drug component in North Dakota is $73.68. 47.37% of 2017 Medicare Part C insurance plans without a drug component in North Dakota have a $0 monthly premium.
  • The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in North Dakota is $4,142.98. 51.11% of 2017 Medicare Advantage plans in North Dakota had a medical out-of-pocket limit of $3,400 or less.

To assist seniors in choosing Medicare plans, CMS assigns star ratings to Medicare Part C and Part D plans each year based on preventive care, chronic condition management, customer service, member satisfaction, and drug pricing. Ratings range from 1 star (a poor plan) to 5 stars (an excellent plan).

  • The average overall CMS star rating assigned to Medicare Part C insurance plans in North Dakota was 4.4 stars in 2017.
  • Among North Dakota's 2017 Medicare Advantage plans with CMS star ratings:
    • 89.44% earned a score of 4 or 4.5 stars
    • 7.78% earned a score of 3 or 3.5 stars
    • 2.78% of plans are “Not enough data available” or “Too new to be measured”.

Sources:

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

There are 14 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in North Dakota. Of these, the companies that offer the largest variety of plans to choose from are Humana, Universal American, and UnitedHealthcare. In North Dakota,Medica has the largest selection of Medicare Advantage plans while Humana offers the most Medicare Part D plans. The following are all medicare insurance providers in North Dakota:

Humana

9 Plans

Mutual of Omaha Rx

2 Plans

MII Life Insurance, Incorporated

2 Plans

Clear Spring Health

2 Plans

Lasso Healthcare

1 Plans

EnvisionInsurance

1 Plans

Lasso Healthcare (MSA)
TYPE:MSACOST:from $0CMS Rating:Not Rated
Select
HumanaChoice H5216-086 (PPO)
TYPE:PPOCOST:from $0CMS Rating:Not Rated
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AARP Medicare Advantage Headwaters (PPO)
TYPE:PPOCOST:from $0CMS Rating:Not Rated
Select
Humana Walmart Value Rx Plan (PDP)
TYPE:PDPCOST:from $13CMS Rating:Not Rated
Select
WellCare Wellness Rx (PDP)
TYPE:PDPCOST:from $13CMS Rating:Not Rated
Select
Clear Spring Health Premier Rx (PDP)
TYPE:PDPCOST:from $14CMS Rating:Not Rated
Select
WellCare Value Script (PDP)
TYPE:PDPCOST:from $16CMS Rating:Not Rated
Select
WellCare Medicare Rx Select (PDP)
TYPE:PDPCOST:from $20CMS Rating:Not Rated
Select
Express Scripts Medicare - Saver (PDP)
TYPE:PDPCOST:from $22CMS Rating:Not Rated
Select
Cigna-HealthSpring Rx Secure-Essential (PDP)
TYPE:PDPCOST:from $22CMS Rating:Not Rated
Select
Medica Prime Solution Premier w/Rx (Cost)
TYPE:CostCOST:from $239CMS Rating:Not Rated
Select
Medica Prime Solution Premier (Cost)
TYPE:CostCOST:from $189CMS Rating:Not Rated
Select
HealthPartners Sanford Ultimate (Cost)
TYPE:CostCOST:from $159CMS Rating:Not Rated
Select
Medica Prime Solution Core w/Rx (Cost)
TYPE:CostCOST:from $125CMS Rating:Not Rated
Select
Humana Gold Choice H8145-089 (PFFS)
TYPE:PFFSCOST:from $116CMS Rating:Not Rated
Select
Medica Prime Solution Premier w/Rx (Cost)
TYPE:CostCOST:from $239CMS Rating:Not Rated
Select
Medica Prime Solution Premier (Cost)
TYPE:CostCOST:from $189CMS Rating:Not Rated
Select
HealthPartners Sanford Ultimate (Cost)
TYPE:CostCOST:from $159CMS Rating:Not Rated
Select
Medica Prime Solution Core w/Rx (Cost)
TYPE:CostCOST:from $125CMS Rating:Not Rated
Select
Humana Gold Choice H8145-089 (PFFS)
TYPE:PFFSCOST:from $116CMS Rating:Not Rated
Select
Medica Prime Solution Premier w/Rx (Cost)
TYPE:CostCOST:from $239CMS Rating:Not Rated
Select
Medica Prime Solution Premier (Cost)
TYPE:CostCOST:from $189CMS Rating:Not Rated
Select
HealthPartners Sanford Ultimate (Cost)
TYPE:CostCOST:from $159CMS Rating:Not Rated
Select
Medica Prime Solution Core w/Rx (Cost)
TYPE:CostCOST:from $125CMS Rating:Not Rated
Select
Humana Gold Choice H8145-089 (PFFS)
TYPE:PFFSCOST:from $116CMS Rating:Not Rated
Select
Medica Prime Solution Premier w/Rx (Cost)
TYPE:CostCOST:from $239CMS Rating:Not Rated
Select
Medica Prime Solution Premier (Cost)
TYPE:CostCOST:from $189CMS Rating:Not Rated
Select
HealthPartners Sanford Ultimate (Cost)
TYPE:CostCOST:from $159CMS Rating:Not Rated
Select
Medica Prime Solution Core w/Rx (Cost)
TYPE:CostCOST:from $125CMS Rating:Not Rated
Select
Humana Gold Choice H8145-089 (PFFS)
TYPE:PFFSCOST:from $116CMS Rating:Not Rated
Select

The following are the most popular medicare doctors in North Dakota based on the provider utilization and payment data published by the U.S. Department of Health & Human Services.

NameSpecialtyLocation
OphthalmologyBISMARCK, ND
RadiologyFARGO, ND
RadiologyBISMARCK, ND
OphthalmologyFARGO, ND
OphthalmologyBISMARCK, ND
DermatologyBISMARCK, ND
OphthalmologyMANDAN, ND
OphthalmologyMINOT, ND
OphthalmologyBISMARCK, ND
DermatologyFARGO, ND

HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, or an individual and family health insurance plan, we will help you find the right healthcare option and save on your out of pocket healthcare costs. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. If you select a plan presented on our site, you will be directed (via a click or a call) to one of our partners who can help you with your application. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan. HealthPocket, Inc. is part of the Health Insurance Innovations, Inc. family of companies (NASDAQ: HIIQ).