About 30,000 Medicare beneficiaries live in Grand Forks, North Dakota. Compared to the national average, only 23% of Medicare enrollees in the state opt for Medicare Advantage plans.
We will examine the factors in selecting the best plans for Grand Forks, North Dakota Medicare beneficiaries.
Medicare plans in Grand Forks, North Dakota
Medicare beneficiaries can select Medigap or Medicare Advantage plans depending on their needs. Adding a supplement plan allows you to cover the costs of services you would typically have to pay directly to providers.
Here’s a look at some Medicare Advantage and Medigap plans with rates based on a 70-year-old female living in Grand Forks, North Dakota with Original Medicare.
Medicare Advantage plans
There are 27 Medicare Advantage plans for Grand Forks, North Dakota beneficiaries to consider. All of these options offer exceptional value, though the price and benefits of each program vary.
The state has several prominent health plan providers, including UnitedHealthcare (Local PPO). UnitedHealthcare’s plan features a competitive MOOP (maximum out-of-pocket) of $6,700 in addition to its four-star rating. It also offers comprehensive dental care and routine vision care.
Clients prioritizing quality service and value pricing will also find NextBlue (Local PPO) an excellent choice. The MOOP for NextBlue’s plan comes in at $6,000, which is competitive with other budget options in the state. It also earned a 4-star rating, so beneficiaries can feel confident about choosing it.
Finally, Humana offers the most affordable available plan in the state. Humana’s plan offers zero-dollar monthly premiums and an extremely low $4,400 out-of-pocket maximum, making it a perfect option for Grand Rapids, North Dakota, Medicare beneficiaries with limited funds. This plan also includes some prescription drug coverage, which many others don’t.
The average cost of Medicare Advantage plans in Grand Forks, North Dakota
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $4,400 | LOCAL PPO | 4 |
| 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 |
Medicare Supplement plans
Medicare Supplement plans cover costs that Original Medicare does not cover. Your state of residency will influence the price, even though you will receive the same benefits no matter where you live.
Beneficiaries in Grand Forks, North Dakota love Medicare Supplement Plan G because of its balance between coverage and cost. This plan protects you from medical expenses, including the Part B deductible. This Medigap policy has a premium range of $105 to $296.
Another Medigap plan beneficiaries typically choose is Plan F. With a premium range of $128 to $318, Plan F is more expensive than other Medigap plans but offers superior benefits. In addition to covering nearly all expenses, Plan F also covers excess charges.
High-deductible plans are an effective option to maximize coverage without paying excessive premiums. Beneficiaries in Grand Forks, North Dakota, can take advantage of Plan HDG’s exceptionally low premiums ranging from $38 to $63. However, the higher deductibles can put a strain on patients’ finances during medical emergencies.
The average cost of Medicare Supplement plans in Grand Forks, North Dakota
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $100.00 | $221.16 |
| PLAN B | $136.00 | $286.14 |
| PLAN C | $146.67 | $315.65 |
| PLAN D | $147.05 | $278.56 |
| PLAN F | $128.22 | $318.06 |
| PLAN HDF | $38.00 | $71.14 |
| PLAN G | $105.96 | $269.46 |
| PLAN HDG | $38.00 | $63.57 |
| PLAN K | $57.25 | $114.00 |
| PLAN L | $70.67 | $161.20 |
| PLAN M | $130.81 | $205.08 |
| PLAN N | $82.21 | $220.62 |
Medicare Part D prescription drug plans
The Medicare Part D plan covers most medications your doctor uses to treat you. Grand Forks, North Dakota Part D coverage is crucial to establishing a solid overall coverage plan because Medicare Advantage and some Medigap policies don’t cover medication costs.
With a $6.80 premium and a $480 deductible, Aetna offers the plan in the area with the lowest overall cost. That deductible doesn’t apply to Tier 1 drugs, which have no deductible. This plan has a three-star rating.
The monthly premium for Wellcare plans is $10.60, with a deductible of $480. This deductible doesn’t apply to both Tier 1 and 2 drugs. The Extra Help program can lower costs even more with subsidies.
Even though UnitedHealthcare’s deductible is only $310, it has relatively high monthly premiums of $29.30. Like Aetna, that deductible doesn’t apply to Tier 1 drugs. This plan even offers free home delivery for Tier 1 medications.
The average cost of Medicare Part D plans in Grand Forks, North Dakota
| 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 |
Special Needs plans
Beneficiaries with qualifying medical conditions can enroll in Medicare Advantage plans known as Special Needs Plans (SNPs). The benefits of these plans can be significant for some beneficiaries, so it’s wise to learn more about the requirements.
In North Dakota, Great Plains offers both available SNPs. Beneficiaries can choose between an option with a lower premium and higher MOOP, or vice versa, allowing them to control whether they want to minimize monthly spending or protect from lump costs. Both are institutional plans, meaning only those in care facilities are eligible for them.
The average cost of Medicare Special Needs plans in Grand Forks, North Dakota
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Great Plains | $38.90 | $5,900 | HMO | Institutional |
| Great Plains | $50.00 | $3,000 | HMO | Institutional |
How to sign up for Medicare plans in Grand Forks
Medicare coverage plans require extensive research and are challenging to build. Our experts at Medigap.com are here to assist Medicare beneficiaries in finding the ideal coverage.
Our licensed insurance agents can share their expertise and help you pinpoint the right plan for your specific needs.
Just give us a call today. Or fill out our online rate form to connect with the best rates in Grand Forks, North Dakota.
