North Dakota Medicare beneficiaries have the same great coverage and supplemental options as people in other states. Medicare beneficiaries are eligible to enroll in Medicare at age 65. Original Medicare is made up of Parts A and B, which provide hospital and outpatient coverage.
Since Medicare doesn’t cover everything, you are responsible for deductibles, copays, and coinsurance. For somethings, like surgeries, this can be very expensive. Fortunately, you have a variety of great Medicare Supplement plans and Medicare Advantage plans in North Dakota to choose from.
North Dakota Medicare Supplement Plans
Medicare Supplement plans, also called Medigap plans, in North Dakota, come in ten different standardized plan options. Each plan letter covers a certain set of benefits. This helps to easily compare the plans between carriers.
People who want really full coverage will opt for Medicare Supplement Plan F. This plan provides first-dollar coverage. After Medicare processes a claim and pays its share, your Plan F supplement will cover all the rest. This leaves you owning nothing out of pocket on Part A and B services. However, unless you are Medicare-eligible before 2020, you won’t have access to this plan.
The next most comprehensive Medicare Supplement plan is Plan G. Plan G covers everything Plan F does except for one thing – the Part B annual deductible. However, because Plan G’s premium is usually less than Plan F, most people can save money by going with Plan G, instead of Plan F.
Another popular choice of Medigap plan is Plan N. Plan N is just like Plan G except it doesn’t cover the Part B excess charges you can accumulate if you use a doctor who doesn’t accept Medicare assignment. Also, Plan N has small copays for doctor visits and emergency room visits. But if you don’t go to the doctor often, then you shouldn’t experience this copay too often.
Keep in mind that Medicare supplements do not include retail drug coverage. You’ll want to enroll in a Part D drug plan to go alongside your supplement.
While Medicare supplements in North Dakota have been popular for decades, there is another coverage option available these days. Let’s look at Medicare Advantage plans in North Dakota.
Medicare Advantage Plans in North Dakota
Medicare Advantage plans in North Dakota provide a great alternative to Original Medicare and Medigap. Advantage plans are also called Part C of Medicare. They are private plans that provide your Medicare Part A and B benefits. You must be enrolled in both Part A and B to be eligible. You must also live in the plan’s service area.
Medicare Advantage plans typically have local networks. You agree to use providers in the network whenever possible. You’ll pay copays for services as you go along. Some plans have an HMO network. In this kind of network, you’ll choose a primary care doctor. You must see that doctor for a referral if you need to see a specialist.
Many people enjoy the convenience of Medicare Advantage plans because they include Parts A, B, and often D as well. You can enroll in a Medicare Advantage plan that has a built-in Part D drug plan. Some plans may also include minor ancillary benefits, like eye exams.
Common Questions About North Dakota Medicare:
Here are some common questions about Medicare Supplements in North Dakota our team gets.
Technically, you can apply for a Medicare Supplement plan anytime throughout the year. However, most people only have one chance to apply for a plan without having to answer health questions and risk being turned down for preexisting conditions and that is during your 6 month Open Enrollment window.
Medicare Supplement premiums vary by person. They are based on your zip code, carrier, age, gender, and more. With that said, North Dakota tends to have fairly moderate premiums.
Unless you have creditable Part D coverage, yes, you will need a Part D plan along side your Medicare Supplement plan. This is because you’ll need a Part D plan for prescription drug coverage and you can be penalized for enrolling in a Part D plan late.
Get Help with North Dakota Medicare
Though the choices can seem overwhelming, you don’t have to go it alone. Our friendly staff at Boomer Benefits has helped thousands of Medicare beneficiaries in North Dakota to find suitable coverage.