North Dakota Medicare beneficiaries have the same great coverage and supplemental options as people in other states. There are over 100,000 North Dakota Medicare beneficiaries. These 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 and Medicare Advantage plans in North Dakota to choose from.
North Dakota Medicare Supplements
Medicare supplements 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 process 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.
Some people are willing to pay some of their own deductibles and copays in exchange for lower Medicare supplement premiums. These folks might be highly interested in Plans G or N. Medicare Supplement Plan G covers everything that Plan F covers except for the Part B deductible. Medicare Supplement Plan N covers slightly less: you will have small copays at the doctor and emergency room. You will also be responsible for your own Part B excess charges.
For people who are really thrifty, you can even buy a high-deductible version of Plan F. This plan is very affordable because you agree to a larger deductible up front before you benefits kick in.
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 a new 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’l 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.
Get Help with North Dakota Medicare
Though the choices can seeming 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.