North Dakota Medigap Plans, also known as Medicare Supplement Insurance, these plans fill in the blanks left by Medicare. This private insurance brings peace of mind, tackling healthcare costs that Medicare might only cover partly or not at all. Figuring out the ins and outs of Medigap in ND gets easier with a hand from our all-inclusive guide.

North Dakota Medigap Plans are the solution to cover certain expenses that Medicare does not cover.

Basic Overview of North Dakota Medigap Plans

Understanding North Dakota Medigap Plans is fairly straightforward. There are ten plans (A through N) with the same benefits but monthly fees (called premiums) can vary by insurance company. These policies are individual plans so spouses will need to enroll separately, though household discounts may apply.

For more details, check our ‘Medigap FAQ.’ Still have questions? offer free assistance, guiding you to the right choice for your health and budget.

Comparing North Dakota Medigap Plans

The following chart showcases 8 Medigap plans (and how they cover annual Medicare Part A & B costs) available in ND to those who qualified for Medicare Part B after 2020. Medigap Plans C and F are only available for those who became Medicare Part B eligible prior to January 1, 2020.

Benefits A B D G* K L M N
Medicare Part A Deductible ($1,632) 100% 100% 100% 50% 75% 50% 100%
Part B Deductible ($240)
Medicare Part A Hospital Coinsurance and 365 additional hospital days 100% 100% 100% 100% 100% 100% 100% 100%
Medicare Part B Coinsurance 100% 100% 100% 100% 50% 75% 100% 100%
First 3 Pints of Blood for a Transfusion 100% 100% 100% 100% 50% 75% 100% 100%
Medicare Part A Hospice Coinsurance or Copay 100% 100% 100% 100% 50% 75% 100% 100%
Skilled Nursing Facility Coinsurance 100% 100% 50% 75% 100% 100%
Medicare Part B Excess Charges 100%
Foreign Emergency Healthcare 80% 80% 80% 80%
Max Out-of-Pocket $7,060 $3,530

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*Medigap Plan High G offers the same coverage as Medigap Plan G but with a deductible.

Costs of Medigap Plans in North Dakota

Medigap Plan costs in North Dakota vary based on the plan, insurance company, age, and smoking status. Understanding premium schedules, such as attained age and issue age, is key.

Use our quoting system for quick, easy cost comparisons. Our licensed agents at are a call away, ready to guide you through costs and find your perfect plan.

When to enroll in ND Medigap Plans

To get a North Dakota Medigap plan, start by enrolling in Medicare Part A and Part B. When you turn 65, a six-month open enrollment period begins. This crucial time grants you guaranteed issue rights, meaning insurers can’t deny coverage or charge more based on your health.

Our licensed agents are your VIP pass during this period at no cost. They provide info and guide you through enrollment. Applying early ensures a smooth transition, avoiding gaps in coverage. Click here for an instant quote and begin your journey to comprehensive healthcare coverage.

Can I switch my North Dakota Medigap policy?

Flexibility is a big plus with Medigap plans. You can switch plans anytime, but remember that you will usually be subject to underwriting approval. Don’t cancel your current plan until the new one is confirmed. Certain situations give you guaranteed issue rights, like the end of employer group health coverage or leaving a Medicare Advantage Plan within the 12-month trial period (Source). You can learn more about Medigap Switching here.

North Dakota Most Popular Plans

According to the latest data from America’s Health Insurance Plans (AHIP), over 54,000 North Dakota residents have chosen a MedSup policy. The popular plans have changed since 2020; Plan F, once popular, no longer accepts new enrollees. Plan G has become the favorite, attracting over 15,000 enrollees among those who turned 65 after January 1, 2020.

Plan G, with its good balance of strong benefits and fair price, stands out as a top option for North Dakota Medigap plans.

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North Dakota Medigap Discounts

Medigap plans usually follow the same rules, but some insurers offer extra perks like “Household Discounts” or “HH Discounts.” These discounts mean you pay less each month for your Medicare Supplement when two people from the same address sign up for the same Medigap plan. This smart move can save you a lot. Importantly, some insurers let you get the HH discount even if both people aren’t on the same plan.

If you have questions about HH discounts in your area, check out our Guide to Medigap Household Discounts or call us at 800-930-7956. Remember, these discounts might not show up automatically in our Medigap quotes. To see them, just click the “show household discount” option on the results page.

What’s Next?

Now that you know all about the plans and great discounts in the Peace Garden State, it’s time to act. Making informed decisions about your healthcare coverage is important, and we’re here to help.

Contact our team at for personalized assistance. Whether you have questions, need clarification, or are ready to move forward, our team is here to assist you at no cost. Your healthcare journey is unique, and our aim is to make sure it fits your needs seamlessly. Feel free to leave a comment or question below, or reach us directly at 800-930-7956.