Introduction to Medicare Part C in North Dakota (Medicare Advantage)

Right now, there are potentially costly gaps in coverage associated with Medicare Parts A (hospital services) and B (doctor and outpatient treatment). These gaps may force you to pay for certain medical expenses out of pocket if you aren’t covered by any form of Medicare supplement insurance. Here, we’ll tell you all about one specific kind of supplement: Medicare Part C (Medicare Advantage).

Federal Regulations for Medicare Advantage

Medicare Advantage, a.k.a. “Medicare replacement”, is a type of health insurance policy offered by private companies to help you supplement your Medicare benefits and protect you from coverage gaps. By law, all Advantage plans must offer the same or improved benefits over those of Traditional Medicare. Luckily, though, many of them offer a considerably higher number of coverage options. We will discuss those in greater detail below.

Medicare Advantage Enrollment In North Dakota

Only around 14% of North Dakota seniors are currently signed up for a Medicare Advantage plan. That’s good, but still below the national average. There are a wide variety of Medicare Advantage plans to choose from. As you can see from this chart, some are more popular than others.

Plan Type Enrollment Percentage
HMO Plans 59%
Local PPO Plans 13%
Special Needs Plans 11%
Regional PPO Plans 9%
Private Fee-For-Service Plans 5%
Other (Cost Plans, MSA’s, etc.) 3%

Plan Coverage & Cost

There are a great many number of factors which will determine your final quote for a Medicare Advantage policy. This is why it is nearly impossible to estimate your exact costs without talking to an insurance agent. Below, however, are some sample rates which seniors in your area are more likely to be paying:

Most Popular Medicare Advantage Plans in North Dakota

The biggest difference between Medicare Advantage plans is their provider network. Some provider networks are larger and have fewer restrictions than others. However, this means that they also cost more than plans with smaller networks and more stringent restrictions.

Helpful Medicare Advantage Tips & Tricks

Doctor/Provider Network Restrictions

Unlike Medicare, Advantage plans are not universally accepted by every doctor and hospital. Some provider networks will only let you see a limited number of doctors or hospitals, and you may be refused service unless you are having a medical emergency. Others are more flexible, and may allow you to receive out-of-network care (for a fee). Keep in mind though that the more choice your network gives you, the more expensive your plan will be.

Doctor/Providers List

Drug, Vision and Dental Coverage

Would you like to have all of your medical needs, including dental, vision, and prescription drugs, all bundled together on the same policy with your Medicare benefits? Then you might be looking for a Medicare Advantage policy. MAPD plans incorporate Medicare Part D prescription drug coverage, and you will likely have the option to add vision and/or dental, too. But remember that more benefits equals a higher monthly premium.

Enrollment Options & Best Time To Enroll

Your IEP, which stand for Initial Enrollment Period, is the best time for you to search for coverage from a Medicare Advantage provider. Should you wait (without qualifying for a Special Enrollment Period) or if you have a serious medical condition, your search will be more difficult. Our Medicare Advantage Enrollment Options page has more information for you. And, if you are struggling with a serious condition, such as End Stage Renal Disease, you can contact your state department of insurance (or a local insurance agent) for tips and strategies to get the coverage you need.

  • Initial Enrollment Period: For best results, try to enroll in a Medicare Advantage plan within your first 6 months of Medicare enrollment.
  • Annual Enrollment Period (AEP): You have the option of changing or cancelling your Medicare Advantage and Part D drug plan between October 15th and December 7th every year.
  • Special Enrollment Period (SEP): If you lose your employer plan coverage, move out of your coverage area, or lose coverage from your provider, you could qualify for an SEP.

What Medicare Advantage Plan Is Best For Me?

Compare Medigap Plans Online