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.
Medicare plans in West Fargo, North Dakota
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.
Medicare Advantage plans
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 2024 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.
The average cost of Medicare Advantage plans in West Fargo, North Dakota
| 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 |
Medicare Supplement plans
Medigap or Medicare Supplement plans are the government’s standardized plans that cover gaps in Original Medicare coverage. You’ll pay a different premium depending on your chosen plan 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.
The average cost of Medicare Supplement plans in West Fargo, North Dakota
| 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 |
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.
The average cost of Medicare Part D plans in West Fargo, 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 health insurance policies for those with special needs or chronically disabled individuals. Unfortunately, not every area has these plans.
Two Special Needs Plans are available in West Fargo, 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.
The average cost of Medicare Special Needs plans in West Fargo, 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 West Fargo
Do you need help signing up for a supplemental West Fargo, North Dakota, Medicare policy? The experts at Medigap.com 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 complete our online quote form to get the best West Fargo, North Dakota rates.
