North Dakota Medicare Supplement Plans

There are more than 640,000 people living in North Dakota (2008 US Census Bureau estimate) and 14.7% of these residents are over 65 years of age.  This is substantially greater than the national average of 12.8% of US residents over 65.  If you are a member of this growing group and are enrolled in Social Security you are probably already enrolled in Medicare.  What you need to know is that Standard Medicare Insurance does not cover all your health care expenses.

North Dakota Medicare Supplement Insurance Plans, also known as North Dakota Medigap Insurance is private health insurance that is designed to supplement Standard Medicare Insurance. The Medicare Modernization Act (MMA) encouraged the National Association of Insurance Commissioners (NAIC) to modernize the Medigap insurance marketplace. NAIC developed a revised set of Medigap Insurance Plans.

These changes become effective from June 2010 and will delete some existing plans and add others.  North Dakota offers all the standardized plans and they will be the same plans offered in most other states.

North Dakota Medicare Supplement Insurance Plans are Standardized

Since North Dakota Medicare Supplement Insurance Plans are standardized, you will get the same coverage for the same plan with any insurance company you choose.  If you get the Mutual of Omaha Plan N it provides the same coverage as a Blue Cross Blue Shield Plan N, Humana Plan N or any other company that offers Medigap coverage. As long as you choose the same plan, the only difference will be the cost, and this difference can be substantial.  You can pay three times as much for the same coverage if you aren’t careful.

Insurance companies are not required to offer all the available plans. Some offer only a few. This makes it critically important for you to look at multiple Medicare Supplement Insurance Companies to find the best price possible for the exact same coverage.  Here is an overview of the various Plans available to North Dakota residents:

                 Medicare Supplement Plans/Rates, Just A Click Away

                                                                       OR

                           Call Now for Medigap Supplement Insurance Quotes

                                                              888.502.5553

Choose the Plan that Fits Your Needs

In order for you to choose the best plan, one which suits your needs at the lowest cost, you should review your current situation and take a look the different types of North Dakota Medigap Plans that are offered.

State Health Insurance Counseling Program (SHIC) is a program of the North Dakota Insurance Department that receives funding from the Centers for Medicare and Medicaid Services. The program helps Medicare beneficiaries understand Seniors health insurance concerns.  You can call 701.328.2440  or 888.575.6611 toll free and get info on Medigap plans.

The North Dakota Insurance Department provides a list of more than 60  insurance companies who offer  approved Medicare Supplement Plans in North Dakota. Not all provide attained age policies, issue age and no age policies. Also keep in mind they don’t offer all the available plans. Some offer one or two plans only. Choosing a plan can be a confusing process.

You could call each company and deal with a salesperson to determine which plans they offer and how much they cost, or you could just fill out the form at the top of the page or call to speak with an North Dakota Medicare Supplement Plan specialist and get the lowest current cost quote from all the companies that offer the plan you need.

Planning for your retirement doesn’t mean spending more than you have to on Supplemental Health Insurance.

                 Medicare Supplement Plans/Rates, Just A Click Away

                                                                       OR

                           Call Now for Medigap Supplement Insurance Quotes

                                                              888.502.5553