North Dakota: The Peace Garden State
North Dakota Medicare Plans
At the Benefit Link we work with great insurance companies offering Medicare Supplement plans for North Dakota Senior Citizens. Many offer the most popular plans like Plan F and Plan G. Let us assist with the basics. North Dakota Medicare plans include 10 standardized options, lettered A – N. Each insurance company must offer at least Plan A, but companies can offer any of the other plans as well.
North Dakota Medicare Plans
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 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 serious about saving money, 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.
Get Help with North Dakota Medicare
Though the choices can seeming overwhelming, you don’t have to go it alone. Our friendly staff at The Benefit Link has helped thousands of Medicare beneficiaries in North Dakota to find suitable coverage.
Still have questions, or need more information on how to pick the plan that is right for you?
The Benefit Link is here to help! Give us a call and speak to a licensed insurance agent:
How can we serve you today?
It can be difficult to know whether or not you have proper coverage, but we can help! It’s our passion to provide peace of mind and ensure that you are well informed of your options and receive the best possible rates. Please feel free to call us at anytime, even if it’s just to chat.