There are 107,098 Fargo beneficiaries currently enrolled in Original Medicare. Of the 107,098 enrollees, 35,121 have a Fargo, North Dakota Medicare Advantage Plan.

We’ll examine various Fargo, North Dakota Supplemental Medicare Plans and how they can make specific healthcare costs more affordable.

Fargo, North Dakota Supplemental Medicare Plans

Fargo, North Dakota Supplemental Medicare plans provide numerous benefits to qualified enrollees. They provide additional coverage for specific medical services not covered by Original Medicare.

We based the following statistics on 65-year-old male enrollees.

Affordable Medicare Advantage Plans in Fargo, North Dakota

Around 32.79% of Fargo beneficiaries have a Medicare Advantage plan. Currently, there are 31 Fargo, North Dakota Medicare Advantage plans available in Cass County.

UnitedHealthcare offers 4-star local PPO (Preferred Provider Organization) Medicare Advantage plans. These plans carry zero-dollar premiums and a $6,700 MOOP (Maximum Out of Pocket).

UnitedHealthcare’s Medicare Advantage plans currently have one of the highest star ratings in Fargo.

Aetna is another popular Medicare Advantage policy provider. It carries 3-star local PPO Medicare Advantage Plans. They also have zero-dollar premiums and a $6,700 MOOP.

Medica provides 4-star 1876 cost Medicare Advantage plans. Enrollees pay zero-dollar premiums and have a $4,500 MOOP. Medica is the only Medicare Advantage plan carrier that offers 1876 cost plan types in Fargo.

PLAN PREMIUM MOOP Plan Type Star Rating
Medica $0 $4,500 1876 COST 4
Sanford Health $0 $5,500 LOCAL PPO N/A
UnitedHealthcare $0 $6,700 LOCAL PPO 4
NextBlue $0 $6,000 LOCAL PPO N/A
Aetna $0 $6,700 LOCAL PPO 3

Average Medicare Supplement Plans in Fargo, North Dakota

Medicare Supplement plans, also called Medigap plans, are government-standardized policies that fill holes or gaps within Original Medicare. Since the U.S. government standardizes these plans nationwide, coverage doesn’t differ among states, private insurance providers, or zip codes.

However, Medigap plan premiums typically change state to state, carrier to carrier, and zip code to zip code.

Medigap Plan F is one of the most popular plans among Fargo residents. It covers more medical expenses than other plans, making it exceedingly comprehensive. Monthly premiums cost between $141.32 and $300.35.

Medigap Plan N also provides extensive coverage to qualified enrollees. It offers similar coverage as Medigap Plan F but at a more affordable rate. Premiums range from $86.60 to $208.34.

Medigap Plan G is another favorite among Fargo beneficiaries. It provides fantastic medical coverage without requiring a Part B deductible. Beneficiaries pay premiums between $118.47 and $247.80.

PLAN A $86.90 $203.12
PLAN B $139.95 $263.18
PLAN C $162.00 $291.39
PLAN D $122.57 $256.25
PLAN F $141.32 $300.35
PLAN HDF $33.00 $72.97
PLAN G $118.47 $247.80
PLAN HDG $33.00 $58.30
PLAN K $62.17 $99.00
PLAN L $76.67 $150.44
PLAN M $114.10 $182.65
PLAN N $86.60 $208.34

Cheapest Medicare Part D in Fargo, North Dakota

Many Fargo residents want to make their prescription drug expenses more affordable. However, Medigap/Medicare Supplement plans don’t include medication coverage, and only a handful of Medicare Advantage plans pay for prescriptions.

Fortunately, Fargo beneficiaries can buy a stand-alone Medicare Part D plan from a private insurance provider to reduce their drug costs.

Aetna carries 3-star Fargo, North Dakota Medicare Part D plans. Beneficiaries pay $6.80 premiums and a $480 annual deductible. Aetna’s Part D plans currently have the lowest monthly premium.

WellCare is another trusted Medicare Part D plan provider. Its plans also sport a 3-star rating. These policies have a $10.60 premium and a $480 deductible.

UnitedHealthcare carries four-star Medicare Part D plans. They have $29.30 premiums and a $310 deductible. Although UnitedHealthcare’s Part D plans have a relatively high monthly premium, they carry the most economical deductible.

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 Fargo, North Dakota

SNPs (Special Needs Plans) are a Medicare Advantage subsect tailored for Fargo residents with disabling conditions and learning disabilities. Although many people benefit from SNPs, they are only available in specific zip codes.

Great Plains carries HMO SNPs. The plans have $38.90 premiums and a $5,900 MOOP. The enrollees must qualify for institutional eligibility to receive benefits.

Great Plans 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. However, they also require institutional eligibility.

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


What is the difference between Plan N and Plan G in Fargo, North Dakota?

Plan N and Plan G differ in several ways, mostly in copays. For example, Medicare Plan G covers doctor and emergency room visits, while Plan N requires a copay.

It’s best to research each plan until you find one that best suits your medical needs and financial situation.

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

Multiple factors affect Medigap premiums in Fargo. Your age, region, medical history, and more dictate your Medigap premiums.

Does Medigap cover drugs in Fargo, North Dakota

Unfortunately, Medigap policies don’t include prescription drug coverage. Many Fargo residents purchase a Medicare Part D plan to help pay for their prescription drugs.

Which Medigap plan offers the most coverage in Fargo, North Dakota?

Medigap Plan F is the most comprehensive plan available in Fargo, North Dakota. However, it also carries high premiums. Medigap Plan N and Plan G offer fantastic medical coverage at a more affordable rate.

Do Medigap premiums increase with age in Fargo, North Dakota?

It depends on your Medigap policy’s cost rating method. If you select a No-Age Rated or Community Rated plan, your premiums won’t increase with age.

However, if you acquire an Attained-Age policy, your premiums will increase as you age.

How to Sign Up for Supplemental Medicare in Fargo takes the stress out of finding a quality Fargo, North Dakota Supplemental Medicare plan by guiding you through the process.

Our team works with Fargo’s leading insurance providers and can make choosing a plan simple and stress-free.

Give us a call or complete our online rate form to get the best rates in Fargo today!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for 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 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.