North Dakota Senior Health Insurance

Explore Your Options

It is common in North Dakota to live in remote locations, while many also choose to live closer to a major city. Whether you prefer the rural life or city scene, it’s important to know what Senior Health Insurance options are available when you become eligible for Medicare. can help you explore all of your Senior Health Insurance options so you can make an educated decision.

The supplemental Medicare options available in North Dakota are broken down into three categories: the Medicare Supplement Plan (Medigap Plan), various Prescription Drug Plans, and an assortment of Medicare Advantage Plans.

Medicare Supplement Plans available in North Dakota are available state-wide, meaning that any North Dakotan can have one. Medicare Supplement Plans are standardized by the government and while they don’t vary in benefits, they do vary in customer service, premium and coverage options. We understand it can be confusing when deciding what plan type will best suite your needs. Fortunately, a Specialist at can help you understand each plan’s benefits. Medicare Supplements do not include prescription drug coverage, which brings us to your next option.

Prescription Drug Plans (Part D) are designed to help seniors with the cost of their prescriptions only. These plans range in deductibles ($0 and up), copays ($0 and up) and preferred pharmacies. These plans also have a monthly premium, unless eligible for certain levels of Extra Help. To see if you’re eligible for Extra Help, click here.

Medicare Advantage Plans (Part C) are offered throughout the 53 counties in North Dakota. Medicare Advantage Plans are stand-alone plans offered by private insurance companies. While you still have Medicare Part A and B, these benefits are now provided by the carrier you choose. Medicare Advantage Plans are county based, meaning that a plan offered in your county may not be offered in a neighboring county.

Medicare Advantage Plans and Prescription Drug Plans can change their contracts, premiums and benefits an annual basis. Make sure you are getting a free annual plan comparison from every Annual Enrollment Period to ensure you are staying on the best plan for your needs.

Some retirees of North Dakota also have benefits through Indian Health Services. The relationship between the federal government and Native American tribes constitutes various rules to follow. However, CMS has made Medicare and Medicaid healthcare services accessible to all Native Americans who eligible. For more information visit

Senior Resources:
Indian Health Services:
North Dakota Department of Human Services:
North Dakota Adults and Aging Services: