After turning 65, many West Fargo, North Dakota residents enrolled in Medicare. Although West Fargo, North Dakota Medicare Parts A and B offer significant coverage, beneficiaries are often left with substantial medical expenses.

To help offset these costs and improve coverage, Medicare beneficiaries can enroll in Supplemental Medicare plans.

West Fargo, North Dakota Medicare plans

West Fargo Medicare beneficiaries can significantly benefit from a supplemental Medicare plan. Depending on your plan selection, you’ll save considerably on West Fargo, North Dakota Original Medicare costs and may get additional benefits.

The following insurance quotes are based on a typical 65-year-old North Dakotan female Medicare beneficiary.

Average Medicare Advantage plans in West Fargo, North Dakota

Multiple Medicare Advantage all-in-one plans are available throughout North Dakota. West Fargo is in Cass County, and 31 West Fargo, North Dakota, Medicare Advantage plans are available for purchase as of 2023 in this area. The area’s Medicare Advantage (MA) participation rate is over 32%.

Medica’s 1876 Cost plan is one of the most affordable options, with a zero-dollar monthly premium and a $4,500 maximum out-of-pocket cost. The plan also features an impressive four-star rating.

North Dakotans consider Sanford Health’s Local PPO for its zero-dollar monthly premium and $5,500 MOOP. However, the policy has no star rating.

Many beneficiaries choose Aetna’s Local PPO for its three-star coverage rating and no monthly premium. The plan also has a MOOP of $6,700.

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

Cheapest Medicare Supplement plans in West Fargo, North Dakota

Medigap or Medicare Supplement plans are standardized plans from the government that covers gaps in Original Medicare coverage. You’ll pay a different premium depending on the plan you select and where you live; however, the benefits remain the same.

Medigap Plan G offers a low monthly premium of $103.02 for complete coverage aside from the Part B deductible. The highest premium for this plan is $215.52.

Medigap Plan HDG is the high-deductible version of Plan G. It offers the same benefits, but North Dakota beneficiaries pay a higher deductible to get lower premiums. The low premium is $29 monthly, while the highest premium is $52.46 for this plan.

Medigap Plan N’s lowest Medicare Supplement premium in West Fargo, Noth Dakota is $75.30 per month, and the highest premium is $181.04. It covers everything but the Part B deductible and excess charges.

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 prescription drug plans

West Fargo, North Dakota, Medicare Part D policies only cover prescription drugs. Some Medicare Advantage plans cover them, but no Medigap plans offer this type of coverage. Most of the following plans have a $480 deductible.

Aetna offers a three-star plan with a $6.80 monthly premium.

Wellcare has an affordable Part D plan for $10.60 monthly. It also brings similar performance with a three-star rating for overall plan effectiveness.

Another popular plan comes from Humana. The monthly premium is $22.70 for this impressive four-star plan.

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

Special Needs Plans (SNPs) are health insurance policies for those with special needs or chronically disabled individuals. Unfortunately, not every area has these plans.

In West Fargo, two Special Needs Plans are available, each from Great Plains. The first HMO plan requires institutional eligibility, has a $38.90 monthly premium, and a $5,900 MOOP. The second policy has a $50 monthly premium and $3,000 MOOP with 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 deductible for Plan G in 2022 in West Fargo, North Dakota?

In West Fargo, the deductible for Medigap Plan G is $2,490. Some policies cover the deductible, while others don’t. With Plan G, North Dakota patients get coverage for the Part A deductible but not the Part B deductible.

You must meet your plan’s deductible in full to get coinsurance coverage.

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

Carriers base Medigap policy pricing on age, while other plans don’t change with time. All beneficiaries can get a community-rated policy that applies to all Medigap users regardless of age.

Issue-age-rated pricing depends on the buyer’s age at enrollment, while attained-age-related Medigap policy premiums increase with age.

What are the Medicare Supplement plans available in West Fargo, North Dakota?

Ten West Fargo, North Dakota, Medicare Supplement plans exist. Enrollees can choose from letter plans A, B, C, D, E, F, G, K, L, M, and N.

The plans’ benefits remain consistent throughout the country, so you’ll find coverage regardless of location.

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

West Fargo, North Dakota, Medicare Supplement policies like Medigap Plan F offers the most coverage, including the Part B deductible. Medigap Plan C also provides significant benefits for those looking to save.

Be mindful that plans with more benefits typically incur higher premiums, while plans with low-cost premiums meet basic healthcare needs like hospital coverage.

Who qualifies for Medigap insurance in West Fargo, North Dakota?

If you already have Medicare Part A and Part B, you qualify for Medigap insurance in West Fargo. You must also be 65 or older or have a qualifying disability or chronic condition.

How to sign up for Medicare plans in West Fargo

Do you need help signing up for a supplemental West Fargo, North Dakota, Medicare policy? The experts at can walk you through the sign-up process.

We can also compare the top plans available in your area and help you find one that meets your unique medical needs and budget. We offer this service completely free.

Call us today or fill out our online quote form to get the best West Fargo, North Dakota rates.

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.