There are over 134,000 North Dakota Medicare beneficiaries. Most of the Medicare beneficiaries are only beneficiaries of Original Medicare, and only 20% have a Medicare Advantage plan.

Let’s look at North Dakota Medicare and all of the different available supplemental plans.

North Dakota Medicare Facts & Figures

  • There are about 106,000 Medicare Part A and B enrollees.
  • About 94,000 Medicare beneficiaries aged into their Medicare coverage.
  • Only 12,000 people are Medicare beneficiaries because of a disability.
  • About 27,000 beneficiaries have a Medicare Advantage plan.
  • Nearly 86,000 people are beneficiaries of a Part D Drug Plan.

Medicare Costs in North Dakota for 2023

Parts A and B North Dakota Medicare help cover most of your healthcare costs. Part A covers inpatient care costs, while Part B covers outpatient care costs.

Medicare Part A Costs in 2023 Medicare Part B Costs in 2023
  • Part A is premium-free for most
  • Part A deductible is $1,600 per benefit period
  • Inpatient hospital stay days 61-90 is $400
  • The standard Part B premium is $164.90
  • The annual deductible for Part B is $226
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

Nearly 106,000 North Dakota Original Medicare beneficiaries aged into their Medicare coverage. Only 12,000 of those people are beneficiaries of Original Medicare because of disabilities.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in North Dakota

Although Original Medicare Parts A and B cover a large portion of beneficiaries’ medical expenses, they still have significant gaps in coverage.

To reduce healthcare costs and receive additional benefits, Medicare beneficiaries can enroll in various supplemental plans, such as Medicare Advantage, Medigap, and Part D plans.

Medicare Advantage

Medicare Advantage is also known as Part C of Medicare. These plans allow enrollees to receive their Part A and B benefits from a private insurance carrier rather than the federal government. In addition to these benefits.

Medicare Advantage plans also provide additional coverage for dental, vision, hearing, and occasional prescription drugs. However, these benefits will vary depending on your ZIP code and chosen insurance carrier.

Medigap

Unlike Medicare Advantage plans, Medigap plans (or Medicare Supplement plans) work alongside Original Medicare to cover specific gaps. Enrolling in a Medigap plan still receives the government’s Part A and B benefits. However, Medicare Supplement plans can help reduce healthcare costs by paying copays and out-of-pocket expenses.

A major benefit of Medigap plans is that the benefits for each letter plan do not change, regardless of state or insurance carrier. Although you can expect the same coverage and benefits, plan costs can vary depending on your location and other factors.

Part D

Although Medigap plans help significantly reduce healthcare costs, they do not offer prescription coverage. Medicare Part D covers prescription drugs. You can receive Part D benefits by enrolling in a stand-alone drug plan or a Medicare Advantage plan with prescription drug coverage (MAPD).

Like other supplemental Medicare plan options, Part D plan costs will vary depending on where you live. In addition, each Part D plan has a different list of drugs it covers or formulary. It is essential to thoroughly explore your options before enrolling in a supplemental Medicare plan.

North Dakota Medicare Resources

Many different resources are available to North Dakota Medicare beneficiaries and other seniors. Medicaid in North Dakota helps seniors who are on a fixed budget. This state program you can pair with your Medicare coverage to further reduce your healthcare costs.

North Dakota and other states have a SHIP program that helps seniors with their health insurance coverage. Each state also has an Insurance Department that regulates the insurance market in favor of consumers. Should you have a question or concern about your insurance carrier or policy, contacting the North Dakota Insurance Department can help.

With so many plan options available, narrowing down your best options can be difficult. Luckily, you can turn to Medigap.com to help you find the best supplemental Medicare plan for your unique needs and budget.

FAQs

What parts of Medicare are called Original Medicare in North Dakota?

Original Medicare consists of Parts A and B. While Part A covers inpatient hospital expenses, Part B covers outpatient costs like doctor’s visits.

Can you switch from Medicare Advantage to Original Medicare in North Dakota?

Yes, there are two open enrollment periods during which you may switch your coverage. One is the Annual Enrollment Period between October 15 and December 7. Another is the Medicare Advantage Open Enrollment Period, running between January 1 and March 31.

Can I get Medicare Part B for Free in North Dakota?

You may be eligible for premium-free Part B if your income falls below a certain level. In addition, if you sign up for a Medicare Savings Program through Medicaid, they will help pay your Part B premiums.

These programs help low-income seniors pay for all their Original Medicare expenses. Medicaid bases MSP coverage on your income and tax status.

You can sometimes enroll in a Medicare Advantage plan with a Part B giveback benefit to reduce your monthly Part B premiums.

Do you automatically get Medicare at 65 in North Dakota?

You will have automatic Medicare enrollment when you receive Social Security or Railroad Retirement Board benefits when you turn 65.

Otherwise, you can apply for Medicare coverage through your local Social Security office.

Does Medicare come out of your Social Security check in North Dakota?

If you set it up, you may have your Part B premiums deducted from your monthly Social Security earnings. In addition, if you pay for Part A or supplemental Medicare plans, you can deduct those premiums from your Social Security check.

For supplemental Medicare plans, you can opt to pay the carrier directly or through Social Security deductions.

How to Sign Up for Supplemental Medicare in North Dakota

There are many options available to North Dakota Medicare beneficiaries, but navigating those options and finding the right plan is difficult. That’s why we are here!

Our agents will help you find the right plan for you and your budget. We work with any insurance carrier and do so free of charge, aiming to help you understand the enrollment process and find the best plan for your budget, insurance needs, and peace of mind.

Call us today or complete our online rate form to get started!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.