Medicare Supplement (Medigap) Policies
North Dakota has no laws requiring Medicare Supplement policies to be sold to adults under sixty-five afflicted with disability.
Mini-COBRA Policies (small group)
North Dakota mandates small employers provide continuation coverage for up to thirty-six months although insurers can drop certain benefits available under the group plan such as vision or dental care.
Medicare Savings Program (premium support)
North Dakota has three Medicare Savings Programs:
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Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $903 and for couples with a monthly income under $1215, the state pays all premiums for Part B and all Co-Pays and Deductibles for Parts A & B.
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Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1083 or couples with income under $1457, the state pays premiums for Part B.
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Qualified Individuals (QIs): For individuals with income under $1219 or for couples with an income under $1640, the state pays premiums for Part B.
To qualify for any one of these programs, participants must have assets below $6,600 or be part of a couple with assets below $9,910.
State Health Insurance Assistance Program (SHIP)
North Dakota's State Health Insurance Counseling Program (SHIC) offers free help with Medicare and other health insurance through trained counselors working with local sponsoring organizations (e.g. senior centers, hospitals, and nursing homes) which can help answer your questions. SHIC counselors have no connection with any insurance company or product. http://www.nd.gov/ndins/consumer/shic/
High-Risk Pool
North Dakota offers a high-risk pool available on the basis of Medical, HIPAA and HCTC eligibility. http://www.chand.org/
Low-Income Subsidy (“extra-help”) for Prescription Drugs
This program is a subsidy for Part D recipients with resources under $13,070 (or $26,120 for a couple) to receive money towards a Medicare prescription drug plan. The benchmark of support is different depending on which region of the country you live in. In North Dakota in 2012, the low-income subsidy was $36.02 per month.
If you live in North Dakota, and you are interested in getting a Medicare Plan, please contact the Medicare experts at eAmeriFamily Insurance. They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, MediGap, or Medicare Supplement Plan for you.
Medicare and Medicare Advantage In The State Of North Dakota
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