Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in North Dakota
Connect with Medicare agents in North Dakota
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
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Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in North Dakota
Original Medicare is the more popular coverage option in North Dakota, covering 66% of Medicare beneficiaries. The remaining 34% have Medicare Advantage or other Medicare health plans.
Original Medicare doesn't cover prescription drugs. For coverage, Medicare beneficiaries must get Part D (prescription drug). North Dakota residents can get Part D coverage either through a Medicare Advantage plan that includes Part D coverage or through a separate Part D plan. Part D coverage can vary widely. The drugs that are covered and the costs for those drugs can be different, so always check that your Part D coverage covers your prescriptions at a price you can afford.
Medicare Supplement plans (also called Medigap plans) are private insurance plans that people on Original Medicare have the option to purchase. Medicare Supplement plans significantly reduce out-of-pocket costs and allow people on Original Medicare to have better financial predictability around their healthcare costs.
Medicare Part A coverage is premium-free for North Dakotans if they or their spouse paid Medicare taxes for at least 10 years. Those who don't meet that qualification can still sign up for Part A, but they may have to pay a monthly premium.
How to apply for Medicare in North Dakota?
Medicare eligibility in North Dakota follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in North Dakota takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
What should I look for in a Medicare agent in North Dakota?
It's important to choose a licensed Medicare agent in North Dakota when seeking help navigating coverage options. Chapter has a team of licensed North Dakota Medicare agents who can answer your questions. Call Chapter at (855) 900-2427 to schedule a free consultation or get answers to your questions.
How can living in rural North Dakota affect Medicare Advantage network access?
North Dakotans living in rural parts of the state may have fewer providers and medical facilities nearby. As a result, the provider networks offered by some Medicare Advantage plans may include providers that enrollees would have to travel to for care. That makes reviewing a plan's provider network essential for rural enrollees before signing up. Specifically, they should check whether their preferred providers and facilities are in the plan's network and how far they may have to travel for care.
What should North Dakota residents consider if they regularly receive medical care across state lines?
North Dakotans who regularly seek medical care in other states should consider their coverage options carefully before choosing. Original Medicare allows beneficiaries to see any provider in the US who accepts Medicare, making it easier to receive care across state lines. By comparison, most Medicare Advantage plans use provider networks that may not include out-of-state doctors and medical facilities.
What should North Dakota residents know about Medicare Supplement plans?
Medicare Supplement plans available in North Dakota are the same standardized plans available nationwide. They’re named by letters from A-N, and each plan of the same letter is the exact same, even if the insurance company that offers them or the premiums are different. The best time for most people to enroll in a Medicare Supplement plan is during their Medigap Open Enrollment Period. The Medigap Open Enrollment Period begins when you are both 65 or older and have Medicare Part B, and it lasts for six months.
