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Senior Health Insurance and Medicare in North Dakota (ND)

Medicare Advantage plans have become enormously popular due to the ever-widening coverage gaps with ordinary Medicare coverage. In principle, Medical Advantage enrollees get extended benefits and have smaller out-of-pocket expenses than typically occurs with the original Medicare system. Medicare Advantage plans may include coverage for vision, hearing, dental, and health and wellness programs.

General conditions for enrolling in a particular Medicare Advantage plan are:

  • Participation in Medicare Part A and Part B
  • Residence in the service area of the plan
  • Negative for End-Stage Renal Disease (ESRD) or permanent kidney failure requiring dialysis or a kidney transplant

Because of the potential for profit, however, there are many providers who may take advantage of the trend by hard selling their products which may not be a good fit for a specific individual. To safeguard against this, the Centers for Medicare and Medicaid Services (CMS) under federal statute have decreed that high-pressure marketing tactics by Medicare Advantage plan providers are grounds for severe sanctions.

North Dakota Medicare advantage options and rates >>

More ND Plan Information

North Dakota senior citizens may no longer participate in free-dinner marketing meetings, but there are at least 38 Medicare-approved Medicare Advantage plans available in parts or the whole of the state to choose from. These include:

  • Advantra Freedom-Freedom 5 [H5227 - 001]
  • Concert [H1340 - 033]
  • SecureHorizons MedicareDirect Rx Plan All three plans have no monthly premiums and include prescription drug coverage*.

Providers for Medicare plans available in North Dakota:

Advantra
Aetna
Blue Cross
Humana
Medica
SecureHorizons
Sterling Options
Today’s Options
UniCare
WellCare

Find affordable Medicare Advantage plans in North Dakota today >>

* You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call:

1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7 days a week;

The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call, 1-800-325-0778; or Your State Medicaid Office

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Seniors Live Longer than Ever

Living longer means paying more for health care.

A woman who retires at 65 can expect to maintain her health until the age of 84, on average.2

Retire Earlier with Peace of Mind

Men who expect high health costs after they turn 65 end up retiring – on average – 13 months later than those who don't.3