Over 22,000 Medicare beneficiaries reside in Minot, North Dakota. Of this number, around 12% choose to enroll in supplemental Medicare Advantage plans, far below the national average.
As we explore some of the options available to Minot, North Dakota, Medicare recipients in this article, we will discuss their benefits and drawbacks.
Medicare plans in Minot, North Dakota
With a supplemental plan, beneficiaries can access services they may not have been able to afford with Original Medicare in Minot, North Dakota. According to individual needs, Medicare Advantage and Medigap plans are available to individuals with Medicare.
Data for a 70-year-old male patient provided the basis for these numbers; however, they should give a good indication of the range of prices.
Medicare Advantage plans
The number of Medicare Advantage plans in Minot, North Dakota, is 17. Their prices and advantages vary but offer vital coverage to Minot’s and North Dakota’s beneficiaries. Beneficiaries in the state can obtain this type of insurance from private companies.
An excellent option is the Medica (1876 Cost) plan. Medica’s coverage and cost are excellent, with a four-star rating and a relatively low MOOP (maximum out-of-pocket) of $4,500. This plan offers a $0 medical deductible. It provides vision and hearing coverage and even some coverage for chiropractic services.
Beneficiaries in Minot can also choose NextBlue (HMO). This plan is relatively affordable despite having a four-star rating and zero-dollar monthly premiums. In addition, this plan’s MOOP is also quite reasonable at $6,000.
Various PPO plans are available, but UnitedHealthcare (Local PPO) provides excellent features at a reasonable price. A further advantage of UnitedHealthcare is that it charges no monthly premium and sets a maximum monthly spending cap of $6,700. Under this plan, copays for primary care provider visits are only $15.
The average cost of Medicare Advantage plans in Minot, North Dakota
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| UnitedHealthcare | $0 | $6,700 | LOCAL PPO | 4 |
| Medica | $0 | $4,500 | 1876 COST | 4 |
| NextBlue | $0 | $6,000 | LOCAL PPO | N/A |
| UnitedHealthcare | $0 | $6,700 | LOCAL PPO | 4 |
| Medica | $34.00 | $6,700 | 1876 COST | 4 |
Medicare Supplement plans
You can enhance your Medicare coverage with a Minot, North Dakota Medicare Supplement plan. These plans protect beneficiaries against unexpected expenses by offering a broader range of coverage. Prices vary depending on several factors, but benefits are the same everywhere.
The balanced coverage of Plan G makes it popular with beneficiaries in the state. This Medigap policy costs between $121 and $309 in Minot. While the plan covers most medical expenses, some gaps remain.
In Minot, Plan F costs between $147 and $365 monthly, making it the priciest Medigap policy. The most comprehensive Medigap plan on the market, Plan F, balances its high cost with premium and Medicare excess coverage. Unfortunately, Plan F is unavailable for those eligible for Medicare after January 1, 2020.
Alternatively, Arkansas’s beneficiaries can select Plan N, which costs between $94 and $253 monthly. There are significant downsides to this plan, despite its affordability. Under Plan N, beneficiaries must pay a copayment for most medical treatments, which can substantially raise the cost of care.
The average cost of Medicare Supplement plans in Minot, North Dakota
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $107.00 | $254.30 |
| PLAN B | $156.50 | $329.03 |
| PLAN C | $168.67 | $363.09 |
| PLAN D | $162.18 | $320.37 |
| PLAN F | $147.46 | $365.71 |
| PLAN HDF | $43.00 | $81.97 |
| PLAN G | $121.85 | $309.97 |
| PLAN HDG | $43.00 | $70.64 |
| PLAN K | $65.92 | $131.00 |
| PLAN L | $81.25 | $184.00 |
| PLAN M | $145.90 | $227.88 |
| PLAN N | $94.55 | $253.67 |
Medicare Part D prescription drug plans
A Medicare beneficiary’s Part D coverage covers the medications their doctors prescribe. This coverage is essential because some Medicare Advantage plans and Medigap policies don’t cover these expenses. Because of this cost, almost all of Minot, North Dakota enroll in Part D.
Aetna has the lowest premiums and deductibles among the local plans, starting at $6.80. That deductible doesn’t apply to Tier 1 drugs. Those who qualify for Extra Help can pay lower costs.
By contrast, Wellcare has a higher monthly premium, at $10.60, and a higher deductible of $480. However, that deductible doesn’t apply to Tier 1 or 2 medications. Cost sharing is possible depending on which pharmacy beneficiaries use.
While Humana offers four-star plans, its premium of $22.70 is higher than most others in the area. Its $480 deductible doesn’t apply to Tier 1 and 2 drugs. This plan works with a wide network of pharmacies to offer further savings.
The average cost of Medicare Part D plans in Minot, 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
Special Needs Plans (SNPs) are available to Medicare Advantage beneficiaries with disabilities or specific healthcare needs. Check if you qualify for one of these plans, as some beneficiaries can save significant money.
There are two SNP options available in North Dakota with Great Plains. Institutional enrollment is available in both plans, with price being the significant difference between them. Choosing options with a lower premium and higher MOOP allows beneficiaries to minimize monthly spending or avoid lump sum costs.
The average cost of Medicare Special Needs plans in Minot, 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 Minot
The process of enrolling in Medicare in Minot, North Dakota, can seem overwhelming at times. But it doesn’t have to be that way. Fortunately, with the help of the experts at Medigap.com, you can quickly find the right Medicare Supplement plan in Minot, North Dakota. Receive rates for your area by calling or filling out our online rate form today.
