There are 93,086 North Dakota Medicare Part D beneficiaries with a 2022 plan. The number of enrollees with a prescription drug plan stands at 86,816. Only 6,921 North Dakota residents have a prescription drug plan through the Medicare Advantage program.

North Dakota Medicare Part D Plans for 2023

Part D plans are prescription plans for Medicare beneficiaries. They usually only cover prescription drugs, although some may cover durable medical equipment (DME) like insulin pumps. If you choose not to enroll in a stand-alone or Medicare Advantage Part D plan, it’s essential to seek equal or better prescription coverage elsewhere.

The below information details North Dakota’s Part D plans for 2023 with low premiums, no-cost deductibles, North Dakota gap coverage, and subsidized low-income plans.

Part D Plans with the Lowest Premium in North Dakota

The lowest North Dakota Medicare Part D plans include those from Aetna, Clear Spring Health, and United Healthcare. However, most low-cost plans don’t have benefits like gap coverage during the donut hole period.

The cheapest plan is from Aetna, with a $6.80 monthly premium and a $480 deductible. Its three-star rating, despite no gap coverage, means it offers good performance.

Patients can also consider a Clear Spring Health plan with a $480 deductible and a $16.60 monthly premium. Low copays and premiums are the top benefits of this policy, although it receives a lower two-star rating for overall plan effectiveness.

The UnitedHealthcare plan costs patients $29.30 monthly, and after they pay a $310 deductible, they’ll receive full prescription coverage. This plan does offer gap coverage, but it has a high four-star rating.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Aetna $6.80 $480 3 No
Wellcare $10.60 $480 3 No
Clear Spring $16.60 $480 2 No
Humana $22.70 $480 4 No
UnitedHealthcare $29.30 $310 4 Yes

Part D Plans with a Zero-Dollar Deductible in North Dakota

Zero-dollar deductible plans in North Dakota for Medicare Part D have higher premiums to offset no deductible. For example, Wellcare has a plan with no gap coverage and a $68.90 monthly premium.

Although there is no deductible, it has a three-star performance.

UnitedHealthcare’s plan costs beneficiaries $97 per month. With this zero-dollar deductible plan, you’ll enjoy three-star quality with gap coverage.

MedicareBlue Rx’s drug plan costs North Dakota beneficiaries $116.10 monthly with no deductible. This four-star plan also offers gap coverage.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Wellcare $68.90 $0 3 No
Aetna $79.90 $0 3 Yes
UnitedHealthcare $97.00 $0 3 Yes
MedicareBlue Rx $116.10 $0 4 Yes

Part D Plans with Gap Coverage in North Dakota

There are several North Dakota Medicare Part D plans that include gap coverage. The Part D plan from UnitedHealthcare has a monthly premium of $29.30 and a low $310 deductible. Its four-star performance brings you little to no-cost drugs even after you reach the donut hole phase.

Cigna has a gap coverage policy for $52 monthly. Patients with this plan appreciate the low $100 deductible.

Aetna features a $79.90 monthly premium plan with no deductible. This plan’s three stars indicate relatively positive feedback from current enrollees.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
UnitedHealthcare $29.30 $310 4 Yes
Cigna $52.00 $100 3 Yes
Aetna $79.90 $0 3 Yes
UnitedHealthcare $97.00 $0 3 Yes
MedicareBlue Rx $116.10 $0 4 Yes

Part D Plans with a Low-Income Subsidy in North Dakota

North Dakota has 15,746 beneficiaries eligible for a low-income subsidy (LIS) plan. They typically don’t include coverage gap benefits. With Medicare Extra Help, you can save even more on these plans.

You can choose a Clear Spring Health plan for $29.30 monthly. You’ll pay a $480 deductible before full coverage applies, and the two-star rating indicates its benefits, excluding gap coverage.

The UnitedHealthcare LIS plan costs $36.20 per month. Enrollees have a $480 deductible for the four-star plan without gap coverage.

Cigna’s LIS plan also offers no gap coverage. However, you’ll get a three-star policy for $39.10 monthly and full coverage after paying the $480 deductible.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Clear Spring $29.30 $480 2 No
Wellcare $32.90 $480 3 No
Aetna $34.80 $480 3 No
UnitedHealthcare $36.20 $480 4 No
Cigna $39.10 $480 3 No

Amount of Beneficiaries That Fall Into Each Part D Coverage Phase in North Dakota

North Dakota Medicare Part D features several coverage phases, each with a different cost requirement for state beneficiaries. The Coverage Gap Phase or “donut hole” stage requires you to pay a certain percentage of your prescriptions after reaching your ultimate coverage limit.

Below are the number of North Dakota Medicare beneficiaries in each Part D coverage phase.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
28,542 36,515 10,008 7,197

FAQs

Why am I being charged for Part D Medicare in North Dakota?

Most Part D enrollees have to pay a monthly premium to receive coverage. You may be charged extra if you have late enrollment penalties.

Is it worth getting Medicare Part D in North Dakota?

Yes, you should sign up even if you don’t have prescription drug needs.

If you decide to enroll later without getting an equivalent prescription plan, you could face a late enrollment charge. You’ll also avoid paying high amounts for prescription costs after hitting the Initial Coverage Phase’s limit.

Are you automatically enrolled in Medicare Part D in North Dakota?

If you are eligible for Extra Help, you will receive a notice in the mail indicating your automatic enrollment in Part D. However, Original Medicare enrollees without Extra Help will need to enroll in a Part D plan.

When can I apply for Part D Medicare in North Dakota?

You can apply for Part D Medicare in North Dakota during the seven-month Initial Enrollment Period when you turn 65. If you miss this enrollment date, you’ll need to wait until the Annual Enrollment Period.

Parts A and B don’t include prescription coverage, so you’ll sign up through private insurance carriers.

Can I cancel my Part D plan anytime in North Dakota?

You can cancel your Part D plan outside the Open Enrollment Period. However, doing so means you will lose valuable healthcare coverage that isn’t replenishable until the next enrollment window.

If you move states or become eligible for a low-income subsidy plan, it may be possible to reapply before this application window by qualifying for a Special Enrollment Period.

How to Get Help Signing Up for a Medicare Part D Plan in North Dakota

Applying for North Dakota Medicare Part D? Get help from the Medigap.com team and learn everything you need to know about Part D prescription drug plans.

Our professionals have the knowledge and patience to help find you the best plan for your unique insurance needs and budget.

Complete our online rate form or call us to get your area’s best Part D plan rates.

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