There are 44,125 North Dakota residents currently enrolled in Original Medicare in Bismarck alone. Of the 44,125 beneficiaries, 9,644 also purchased a Bismarck, North Dakota Medigap plan.

We’ll evaluate multiple Bismarck, North Dakota Supplemental Medicare plans, their advantages, and how they can save you money on your healthcare expenses.

Bismarck, North Dakota Supplemental Medicare Plans

Original Medicare enrollees can benefit immensely from a Bismarck, North Dakota Supplemental Medicare plan. They make certain medical services more affordable by covering payments not included in Original Medicare.

We based the following on 65-year-old female beneficiaries.

Average Medicare Advantage Plans in Bismarck, North Dakota

Around 21.86% of Bismarck beneficiaries have a Medicare Advantage plan. Bismarck currently has 32 different Medicare Advantage plans to choose from, each with its unique benefits.

Aetna is one of the most popular Medicare Advantage plan carriers in Bismarck, ND. It provides 3-star local PPO (Preferred Provider Organization) Medicare Advantage plans. These plans carry zero-dollar premiums and a $6,700 MOOP (Maximum Out of Pocket).

Another renowned Bismarck, North Dakota Medicare Advantage plan provider is NextBlue. It also provides local PPO plan types with zero-dollar premiums and a $6,000 MOOP. Although NextBlue’s Medicare Advantage plans don’t currently have a star rating, many citizens praise them for their extensive coverage and affordability.

Medica offer 4-star 1876 cost Medicare Advantage plans. They carry zero-dollar premiums and a $4,500 MOOP. Medica is the only carrier offering 1876 cost plan types.

PLAN PREMIUM MOOP Plan Type Star Rating
Aetna $0 $6,700 LOCAL PPO 3
NextBlue $0 $6,000 LOCAL PPO N/A
Medica $0 $4,500 1876 COST 4
UnitedHealthcare $0 $6,700 LOCAL PPO 4
Humana $0 $4,900 LOCAL PPO 4

Cheapest Medicare Supplement Plans in Bismarck, North Dakota

Medicare Supplement/Medigap plans are government-standardized policies that fill holes and gaps within Original Medicare, giving you more comprehensive coverage.

Since the government standardizes Medicare Supplement/Medigap plans nationwide, coverage doesn’t change between states, regions, or private insurance carriers. However, premiums typically fluctuate among zip codes, insurance providers, and states.

Medigap Plan G is incredibly popular among Bismarck residents. Premiums range from $103.02 to $215.52. Medigap Plan G also doesn’t require enrollees to pay a Part B deductible.

Medigap Plan F is another favorite among Bismarck beneficiaries. It’s the most comprehensive Medigap/Medicare Supplement plan in Bismarck. Premiums cost between $124.22 and $261.00.

Patients looking for a comprehensive plan with a monthly deductible might enjoy Medigap Plan HDG (High-Deductible Plan G). It provides the same coverage as Medigap Plan G but with a monthly deductible. Monthly premiums fluctuate between $29 and $52.46.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $86.30 $176.75
PLAN B $124.42 $228.95
PLAN C $144.08 $253.35
PLAN D $119.94 $222.89
PLAN F $124.22 $261.00
PLAN HDF $29.00 $63.47
PLAN G $103.02 $215.52
PLAN HDG $29.00 $52.46
PLAN K $54.00 $95.00
PLAN L $66.58 $135.39
PLAN M $104.06 $164.39
PLAN N $75.30 $181.04

Affordable Medicare Part D in Bismarck, North Dakota

Unfortunately, Medigap/Medicare Supplement plans don’t provide medication coverage, and only a few Bismarck, North Dakota Medicare Advantage plans cover prescriptions. However, an independent Medicare Part D plan can reduce prescription drug costs.

Aetna carries 3-star Medicare Part D plans. These plans have a $6.80 premium and a $480 annual deductible. Aetna’s Medicare Part D plans currently have the lowest monthly premium.

Humana is another trusted Medicare Part D provider. It provides 4-star plans with a $22.70 premium. Humana’s plans also carry a $480 annual deductible.

UnitedHealthcare also offers 4-star Medicare Part D plans. They have $29.30 premiums and a $480 annual deductible. Currently, UnitedHealthcare’s Medicare Part D plans have the lowest deductible.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $6.80 $480 3
Wellcare $10.60 $480 3
Clear Spring $16.60 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Medicare Special Needs Plans in Bismarck, North Dakota

Medicare Special Needs Plans, commonly called SNPs, are a subgroup of Medicare Advantage plans tailored for beneficiaries with disabling conditions and learning disabilities. However, SNPs are only available in specific zip codes.

Great Plains offers HMO (Health Maintenance Organization) Medicare Special Needs Plans. Its plans carry $38.90 premiums and a $5,900 MOOP. They also require institutional eligibility.

Great Plains also offers another HMO Special Needs Plan with higher premiums and a lower MOOP. These plans have a $50 premium and a $3,000 MOOP. They also have institutional eligibility restrictions.

PLAN PREMIUM MOOP Plan Type Eligibility
Great Plains $38.90 $5,900 HMO Institutional
Great Plains $50.00 $3,000 HMO Institutional

FAQs

Can Medigap premiums be deducted from Social Security in Bismarck, North Dakota?

No. Medigap doesn’t automatically deduct premiums from your Social Security. Since you purchase Medigap plans from a private insurance carrier, you must pay premiums to them directly.

Is Plan G available in Bismarck, North Dakota?

Yes. You can purchase a Medigap Plan G plan in Bismarck through a private insurance provider. Medigap Plan G provides extensive coverage and is one of the most comprehensive policies currently available.

How much does a Medigap policy cost in Bismarck, North Dakota?

It depends on which Medigap plan you purchase. Most Medigap plan premiums cost between $80 to $215 monthly.

What is the Medigap Guaranteed Issue in Bismarck, North Dakota?

North Dakota guarantees beneficiaries a renewable Medigap plan if they pay their monthly premiums. However, enrollees must pay their monthly Medigap and Medicare Part B premiums to qualify.

What are Medigap premiums based on in Bismarck, North Dakota?

Medigap premium costs depend on several components, including:

  • The plan’s coverage
  • The state’s pricing structure

More comprehensive Medigap plans usually carry higher premiums than limited Bismarck, North Dakota Medicare Supplement plans. It’s best to research each policy until you find one that matches your medical needs without surpassing your financial means.

How to Sign Up for Supplemental Medicare in Bismarck

Signing up for a Bismarck, North Dakota Supplemental Medicare plan has never been more straightforward, thanks to Medigap.com.

Our team works with all of Bismarck’s leading private insurance providers and can help you find the perfect plan for you and your loved ones completely free of charge.

Give us a call or complete our online rate form to get current rates in Bismarck, North Dakota, today!

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.