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Best Medicare Advantage Plans in North Dakota for 2020

Find the best Medicare Advantage plan in North Dakota for 2020 can be ideal for those who want to replace Original Medicare. If you shop for Medicare Advantage plans in North Dakota here on our website, you should be able to find the policy that is right for you in no time.

Overview of the Best Medicare Advantage Plans in North Dakota for 2020

If you are worried about the coinsurance, copayments, and deductibles of Original Medicare, you might want to sign up for a Medicare Advantage plan. Rates vary from policy to policy, and different types of policies work in different ways.

It’s best to compare different Medicare Part C policies in North Dakota for 2020 and their rates so that you can choose the one that is best for you. We make it easy to shop for Medicare plans and rates right here on our website, so get started today if you’d like to get more out of your Medicare benefits and Medicare coverage!

Best Medicare Advantage Plans in North Dakota: When Can You Enroll?

If you’re going to be signing up for Original Medicare soon and think you want to sign up for a Medicare Advantage plan in North Dakota for 2020, you’ll need to sign up during one of these times:

  • Medicare Initial Coverage Election Period ICEP: As soon as you are a new beneficiary of Medicare Part A and Part B, you can use this period to enroll in Medicare Advantage.
  • Medicare Annual Election Period AEP: From October 15 to December 7 of each year, all beneficiaries of Medicare have the chance to sign up for, disenroll or change their Medicare Advantage policy for 2020.
  • Medicare Advantage Disenrollment Period MADP: In the past, those who wanted to go back to Original Medicare (Medicare Part A and Medicare Part B) after having a Medicare Advantage plan could switch during this now-discontinued period.
  • Medicare Advantage Open Enrollment Period MA OEP: Beginning on January 1 and ending on March 31st of each year, this period gives you a chance to change your Medicare Advantage plans in North Dakota.
  • Medicare Special Election Periods SEP: It is possible to shop for a policy outside of a normal Medicare Enrollment Period if an SEP is triggered. This happens in various scenarios. People who are dual-eligible under Medicaid and then no longer qualify for Medicaid coverage anymore, those whose insurance companies do not renew their contracts with Medicare and those who move will all qualify for an SEP to sign up for another policy.

Best Types of Medicare Advantage Plans in North Dakota for 2020

The most popular Medicare Advantage plans among North Dakota residents and beneficiaries all over the country are listed here. If you are looking for an alternative to Medicare Part A and Medicare Part B, one of these health insurance plans through the major private insurance companies just might be best for you.

Just make sure that you read a complete description of benefits for each of your Medicare Advantage plan options in North Dakota; then, you can choose an option that will help you minimize your out-of-pocket costs and maximize your healthcare.

PPO Preferred Provider Organization Plans (PPO) in North Dakota

  • These health plans do have service area networks.
  • You will have some coverage if you see a doctor or hospital outside of your insurance company’s network.
  • You’ll enjoy lower pricing with in-network doctors, hospitals and other healthcare providers.
  • Referrals are not necessary or required.

HMO Health Maintenance Organization Plans (HMO) in North Dakota

  • In comparison to Medicare Part C plans in North Dakota, these typically have the cheapest monthly premiums. In fact, it’s not uncommon to find HMO options with $0 premium.
  • You do have to stick with in-network providers if you aren’t in an emergency situation.
  • You will need a primary care doctor (PCP) who can give you a referral when you need it.

Private Fee-for-Service PFFS in North Dakota

  • How much you will pay vs. how much your insurance company will pay is determined by the policy
  • Network restrictions are not a problem

Special Needs Plans SNPs in North Dakota

  • Special Needs Plans are perfect for people with chronic health conditions or institutional conditions. End-stage renal disease ESRD is one example, but you can talk to an insurance agent if you aren’t sure of whether or not an SNP is right for you.
  • Medicare Part D prescription drug plans are always included in these policies

Not every company offers each type of plan for 2020, so you’ll need to do your research to find the right fit.  Some notable companies to look for in your area are, Humana, Aetna, and Cigna.

Enrollment Figures for North Dakota Medicare Advantage Plans

If your Medicare and Medicare Advantage enrollment is coming up, you might be curious about the other beneficiaries in North Dakota. These are some quick and interesting stats about Original Medicare (Medicare Part A and Part B) and Medicare Advantage plans in North Dakota:

  • The five largest counties in North Dakota are Cass, Burleigh, Grand Forks, Ward and Morton.
  • There were 130,019 Medicare beneficiaries in North Dakota in 2018.
  • 22,132 of Medicare beneficiaries in North Dakota were enrolled in Medicare Advantage in 2018.

How Do Medicare Advantage Plans in North Dakota Cover Prescription Drugs?

Some people assume that Original Medicare (Medicare Part A and Part B) cover prescription medication, but this is not the case at all. Even Supplemental policies do not cover prescription drugs.

You have two options for prescription drug coverage as a beneficiary of Medicare: signing up for a stand-alone Medicare Part D prescription drug plan or signing up for an MA policy with Medicare Advantage prescription drug plans for 2020.

In either case, be sure that you take the time to look at the formulary for the policy. This is a list of covered medications for a Medicare prescription drug plan in North Dakota. You will also want to take the time to look at the prescription drug tiers; this will help you be aware of how much you will have to pay for your medication after your Part D prescription drug coverage pays its part.

Network Restrictions for Medicare Advantage Plan in North Dakota?

One downside of Medicare Part C in North Dakotais the fact that there are often network restrictions to worry about. Understanding these restrictions and choosing a policy with restrictions that you can deal with will make things easier, though.

  • In-Network vs. Out-of-Network Within Coverage Area: The good news is that both HMO Medicare Advantage plans and PPO Medicare Advantage plans will both cover out-of-network care if you are in an emergency situation. An HMO will not pay for out-of-network care in other situations, while a PPO will. Be aware that when you use a PPO outside of its network, though, that your out-of-pocket expenses will be higher.
  • Traveling With Plan: With health maintenance organization HMO plans and preferred provider organization PPO plans, you can enjoy coverage for emergency situations even when you’re traveling. With a PPO Part C plan, you can even see out-of-network doctors when there isn’t an emergency, but costs will be higher than they would be in your home network.
  • Moving Across State Lines: Because Medicare Part A and Part B provide the same benefits and coverage in all 50 states, many people think that it’s not a big deal to move with a Medicare Part C policy. However, you will need to purchase a different policy if you move outside of the provider network for your Medicare Advantage plan in North Dakota.

Added Benefits of Medicare Advantage Plan in North Dakota

Many people like the added perks that are often included in Medicare Advantage plans. You can’t get these perks just for being enrolled in Medicare Part A and Part B, nor can you enjoy them with a Medicare Supplement plan. Of course, you’ll want to carefully compare the Medicare Part C policies that you’re looking at to see if they include the perks that you are most interested in:

  • Hearing care, routine vision and dental care
  • Wellness programs
  • Silver Sneakers or other similar gym membership
  • Recommendations for diet and nutrition
  • Allowance for over-the-counter medication costs
  • Healthy living seminars and classes
  • Transportation to and from medical appointments
  • Payment of some or all of the Medicare Part B premium

Here are a few changes for 2020:

  • Starting in 2020, insurance companies that provide Medicare Advantage plans in North Dakota will be able to add some supplemental non-health related benefits to certain beneficiaries, such as providing help with making structural changes to the home when needed. This is designed to help those who might need help with widening doorways or installing ramps for their homes.
  • The Centers for Medicare and Medicaid Services approved a 2.53% payment increase to Medicare insurers that offer Medicare Advantage plans in North Dakota.

North Dakota Medicare Resources

If you’re eligible for Medicare and hoping that there are resources available to help you, check out these sites. You can also check them out if you need help and information about getting enrolled in Medicare Part A and Part B.

Of course, in addition to checking out the links above for help, you can also use our website to shop for quotes for Medicare Advantage plans or Medicare Supplement insurance or call and chat with one of our licensed insurance agents for one-on-one, specialized assistance. We’re here and waiting to help you with enrolling in the right Medicare Advantage plan in North Dakota for you, all from companies with top star ratings!