Atlantic Capital offers North Dakota's best Plan G rate at $127 monthly. Cigna has the cheapest Plan N ($91 monthly) and Plan F ($144 monthly) rates. Your best rate depends on your age, plan type and pricing style preference.
Best Medicare Supplement Plans in North Dakota (2026)
Updated: January 30, 2026
Advertising & Editorial Disclosure
Key Takeaways
Atlantic Capital has North Dakota's cheapest Plan G while Cigna provides the lowest Plan F and Plan N rates.
Plans range from $36 to $379 per month in North Dakota based on your coverage selection.
Shop multiple carriers and evaluate plan restrictions, benefits and availability to determine your best fit.
Best Medicare Supplement Plans in North Dakota
| Blue Cross Blue Shield | A | $114 | $46 | Attained Age Pricing |
| Humana | B | $181 | $34 | Attained Age Pricing |
| Blue Cross Blue Shield | C | $212 | $33 | Attained Age Pricing |
| State Farm | D | $160 | $31 | Attained Age Pricing |
| Cigna | F | $144 | $92 | Attained Age Pricing |
| Atlantic Capital | G | $127 | $51 | Attained Age Pricing |
| Transamerica | K | $75 | $9 | Issue Age Pricing |
| Transamerica | L | $111 | $16 | Issue Age Pricing |
| Transamerica | M | $137 | $0 | Issue Age Pricing |
| Cigna | N | $91 | $45 | Attained Age Pricing |
*Prices are for 65-year-olds.
Atlantic Capital
MoneyGeek Rating
4.3/ 5
4.9/5Affordability
3.9/5Pricing Style
3.3/5Plan Availability
Average Plan G Rate
$127Plan Types
A, F, G, K, N
Cigna
MoneyGeek Rating
4.2/ 5
4.8/5Affordability
3.9/5Pricing Style
3.2/5Plan Availability
Average Plan G Rate
$139Plan Types
A, F, G, N
Blue Cross Blue Shield
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Plan Availability
Average Plan G Rate
$180Plan Types
A, C, F, G, L, N
Humana
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Plan Availability
Average Plan G Rate
$212Plan Types
A, B, C, F, G, K, L, N
State Farm
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Availability
Average Plan G Rate
$160Plan Types
A, C, D, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Availability
Average Plan G Rate
$168Plan Types
A, B, C, D, F, G, K, L, M, N
Best Medicare Supplement Plan G in North Dakota
Atlantic Capital charges the least for Medicare Supplement Plan G in North Dakota at $127 per month. That's 29% below what most insurers charge. Cigna and State Farm also price Plan G below average, so you have several affordable options to compare.
The table below shows monthly and annual costs for each carrier, plus how much you'll save compared to the state average.
| Atlantic Capital | $127 | $51 | $1,524 | $617 |
| Cigna | $139 | $39 | $1,668 | $473 |
| State Farm | $160 | $18 | $1,920 | $221 |
| Government Personnel Mutual | $161 | $17 | $1,932 | $209 |
| LifeShield National | $164 | $14 | $1,968 | $173 |
| USAA | $165 | $13 | $1,980 | $161 |
| AFLAC | $166 | $12 | $1,992 | $149 |
Best Medicare Supplement Plan F in North Dakota
Plan F provides the most complete Medicare Supplement coverage in North Dakota, but you can only buy it if you qualified for Medicare before 2020. Cigna charges the lowest Plan F rate in the state at $144 per month, which runs $92 below the average.
Atlantic Capital comes in second at $149 monthly, saving you $87. Going with either carrier cuts your annual costs by $409 to $1,105 compared to the state average:
| Cigna | $144 | $92 | $1,728 | $1,105 |
| Atlantic Capital | $149 | $87 | $1,788 | $1,045 |
| AFLAC | $189 | $47 | $2,268 | $565 |
| Nassau | $197 | $39 | $2,364 | $469 |
| ManhattanLife of America | $197 | $39 | $2,364 | $469 |
| LifeShield National | $197 | $39 | $2,364 | $469 |
| American Benefit | $202 | $34 | $2,424 | $409 |
Best Medicare Supplement Plan N in North Dakota
Plan N costs less than Plan G each month, but you'll pay small copays when you visit doctors or emergency rooms. Cigna offers the cheapest Plan N in North Dakota at $91 monthly, which runs $45 below the average.
Atlantic Capital and ManhattanLife of America also price below average at $95 and $102 per month. Depending on which carrier you pick, you'll cut annual costs by $190 to $538 compared to the state average.
| Cigna | $91 | $45 | $1,092 | $538 |
| Atlantic Capital | $95 | $41 | $1,140 | $490 |
| ManhattanLife of America | $102 | $34 | $1,224 | $406 |
| Government Personnel Mutual | $105 | $31 | $1,260 | $370 |
| AFLAC | $111 | $25 | $1,332 | $298 |
| American Benefit | $118 | $18 | $1,416 | $214 |
| Mutual of Omaha | $120 | $16 | $1,440 | $190 |
Personalized North Dakota Medicare Supplement Plan Recommendations
Finding your best Medicare Supplement plan depends on age and plan type. Compare rates using the filterable table below.
Data filtered by:
A
Select
No
| Blue Cross Blue Shield | A | No | 65 | $114 | $0 | Attained Age Pricing |
| Atlantic Capital | A | No | 65 | $127 | $0 | Attained Age Pricing |
| Cigna | A | No | 65 | $141 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $144 | $0 | Attained Age Pricing |
| Globe Life | A | No | 65 | $144 | $0 | Attained Age Pricing |
| Government Personnel Mutual | A | No | 65 | $146 | $0 | Attained Age Pricing |
| USAA | A | No | 65 | $147 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $147 | $0 | Issue Age Pricing |
| Mutual of Omaha | A | No | 65 | $150 | $0 | Attained Age Pricing |
| State Farm | A | No | 65 | $150 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in North Dakota
Medicare Supplement insurance costs in North Dakota average $171 monthly for 65-year-olds, from $84 to $245 across 10 standardized plan types. Plan K costs the least at $84 monthly while Plan C costs the most at $245.
The most popular plans (Plan G, Plan F and Plan N) average $178, $236 and $136 monthly. Annual costs range from $1,008 to $2,940, and your actual premium depends on provider, age and insurer's pricing style.
| A | $160 | $1,920 |
| B | $215 | $2,580 |
| C | $245 | $2,940 |
| D | $191 | $2,292 |
| F | $236 | $2,832 |
| G | $178 | $2,136 |
| K | $84 | $1,008 |
| L | $127 | $1,524 |
| M | $137 | $1,644 |
| N | $136 | $1,632 |
How to Choose the Best Medicare Supplement Plan
Once you’ve picked a plan type, compare North Dakota providers to find the best Medicare Supplement company for you. Use these main factors to narrow your options.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums often cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
North Dakota Medicare Resources
North Dakota residents seeking help with Medicare coverage selection and benefit understanding can access multiple resources at no cost.
- North Dakota Senior Health Insurance Counseling Program (ND SHIC): Certified volunteers offer personalized counseling to help seniors compare Medicare Supplement plans, Medicare Advantage and Part D coverage options. The program assists with enrollment questions, claims issues and provides unbiased guidance on navigating Medicare's complexities. Visit North Dakota SHIC.
- North Dakota Department of Insurance: Publishes rate comparisons for Medicare Supplement plans and runs a helpline for insurance questions and complaints. The department offers consumer protection services and helps seniors identify and report insurance scams targeting Medicare beneficiaries. Visit North Dakota Department of Insurance.
- North Dakota Area Agencies on Aging: Serves older adults with Medicare enrollment assistance, benefits counseling and access to local community resources for seniors and caregivers. These agencies provide information and programs designed to support elderly residents throughout the state. Find your local agency.
- Medicare.gov: The official federal Medicare website has comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans in your ZIP code. Visit Medicare.gov.
Medicare Supplement Plans in North Dakota: FAQ
Common questions about Medicare Supplement insurance for North Dakota residents answered below.
When is Medicare Supplement open enrollment in North Dakota?
Medicare Supplement open enrollment in North Dakota begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected North Dakota Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored North Dakota Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Plans with lower monthly premiums receive higher scores.
- Pricing style (20%): We evaluated pricing structures based on long-term cost stability. Community Pricing earned the highest score (1.0), followed by Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with a higher starting premium may score better than a lower-cost attained-age plan because rates remain steady over time.
- Plan availability (30%): Insurers offering a wider selection of Medigap plans scored higher. Popular options, including Plans G, F and N, carried greater weight in the scoring process.
Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.