The Best North Dakota Medicare Supplement Plans (2022)

If you are looking for a Medicare Supplement plan, commonly known as Medigap, in North Dakota, you have 10 options from which to choose. However, note that the insurance plans offered will differ depending on when you become eligible.

UnitedHealthcare and State Farm offer the top Medigap insurance plans in North Dakota. It's important to note that you can't have both Medigap and Medicare Advantage because a Medicare Advantage Plan in North Dakota replaces your whole Medicare plan, even Original Medicare.

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Last Updated: 9/14/2022
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Medicare Supplement insurance for 65-year-olds costs $120 per month on average and $185 per month for 75-year-olds in North Dakota. Plan F, which costs an average of $288.26 per month and Plan G, which costs $137.70 per month, are the most popular plans due to their comprehensive coverage. Plan F, however, is only available to people who were eligible for Medicare before 2020.

With an average monthly cost of $110.20 in North Dakota, Option N is the next most popular plan. This plan provides comparable coverage but excludes Part B deductibles and excess charges.

MoneyGeek's technique for evaluating Medicare Supplement plans in North Dakota focuses on the average rates and benefits of these three plans. See How to Choose the Best Medicare Supplement Plan for more information on the various types of plans and coverage.

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Best Medicare Supplement Plans in North Dakota

Best Medicare Supplement Plan G in North Dakota

State Farm offers the best Medigap Plan G in North Dakota. It costs around $122.91 per month and does not provide a SELECT plan, a variant of the conventional Medicare Supplement plan that restricts treatment to a certain network. State Farm’s plan does include a foreign travel emergency benefit for medical expenses incurred abroad.

The insurers included in MoneyGeek's rankings are those that provide online quote. Other North Dakota Medigap providers who do not provide online quotes may be able to offer more competitive rates.

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MoneyGeek Top Pick
State Farm
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $122.91

The monthly premium for State Farm Plan G is $46.59 less than the average cost of Plan G in North Dakota, which is $169.50. When you travel outside of the United States, the plan offers international travel emergency health care coverage.

MORE ABOUT PLAN G IN NORTH DAKOTA

Navigate to learn more about Medigap Plan G in North Dakota, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in North Dakota

The average monthly premium for Medicare Supplement Plan G in North Dakota is $169.50. The actual premium you'll pay is determined by various factors, including your current age, provider discounts and other medical underwriting considerations.

State Farm, for example, has the most affordable Plan G for 65-year-olds in North Dakota, at $122.90 per month. That's $30 less than UnitedHealthCare's $152.90 monthly fee, which is the state's most expensive plan.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • State Farm
    $123
  • Blue Cross Blue Shield of North Dakota
    $137
  • UnitedHealthcare
    $153

Providers Offering Plan G in North Dakota

In North Dakota, 31 companies provide Medicare Supplement Plan G, however, not all of them provide online estimates. MoneyGeek compiled contact information for all North Dakota providers to assist you in finding one that meets your needs. We also highlight the pricing strategies used by the providers so you can see which ones charge more based on your age.

Providers Offering Plan G in North Dakota

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of North Dakota
    701-282-1523
    Attained Age
  • Catholic United Financial
    1-800-568-6670
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan G Cover?

Plan G, like other Medigap insurance, is standardized and must offer certain benefits. It does exclude Part B deductibles and only pays 80% of foreign exchange within your plan's restrictions. Some companies incorporate special advantages in their policies in addition to regular coverage. State Farm's Foreign Travel Emergency coverage is an example.

Required Benefits of Plan G in North Dakota
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in North Dakota

With an average monthly premium of $288.26, UnitedHealthcare has the best Medicare Supplement Plan F among North Dakota carriers. It's worth noting that MoneyGeek's rating is restricted to businesses that provide online estimates. By calling different businesses in the state that provide Plan F, you may compare their pricing and coverage.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 75 out of 100
  • Average Monthly Rate: $288.26

UnitedHealthCare's Medigap Plan F, which costs $288.26, is just barely cheaper than the $288.30 average monthly cost of other North Dakota Plan F providers.

MORE ABOUT PLAN F IN NORTH DAKOTA

Navigate to learn more about Medigap Plan F in North Dakota, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in North Dakota

In North Dakota, a Medicare Supplement Plan F costs $288.30 per month on average. Variations in rates across the state are caused by a number of reasons. These include, among other things, your age, provider and discounts.

UnitedHealthcare offers a Medigap Plan F for $288.30 per month to 75-year-olds, which is the lowest premium in the state based on quotes available online.

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75

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $288

Providers Offering Plan F in North Dakota

In North Dakota, 31 companies provide Medigap Plan F, although not all of them are available online. MoneyGeek compiled the contact information and pricing plans of all Medicare Supplement plan providers in the state to assist you in finding the service that best meets your needs.

Providers Offering Plan F in North Dakota

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of North Dakota
    701-282-1523
    Attained Age
  • Catholic United Financial
    1-800-568-6670
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan F Cover?

Plan F, like other Medigap insurance, is standardized and must cover a set of benefits. Although Plan F provides comprehensive coverage, it only covers 80% of international trip exchange within the limitations of your plan. While UnitedHealthcare does not offer additional benefits, Plan F benefits may be available from other providers.

Required Benefits of Plan F in North Dakota
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in North Dakota

With an average monthly of cost $95.03, State Farm is the best option for seniors in North Dakota looking for Medicare Supplement Plan N. Keep in mind that we only feature vendors who offer online quotes. Other North Dakota Plan N providers may be able to provide cheaper pricing. You'll have to contact them directly to discover more about their pricing and coverage.

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MoneyGeek Top Pick
State Farm
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $95.03

Plan N from State Farm is a touch less expensive than average rate in North Dakota, which is $136. This company's Plan N includes an additional Foreign Travel Emergency benefit, which pays 80% of the expenses of emergency treatment obtained outside of the United States (up to a lifetime maximum benefit of $50,000).

MORE ABOUT PLAN N IN NORTH DAKOTA

Navigate to learn more about Medigap Plan N in North Dakota, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in North Dakota

In North Dakota, Plan N costs an average of $136 per month. This rate may change depending on a number of factors, including your present age and the age at which you acquire this plan.

For example, a 65-year-old in North Dakota can purchase the cheapest Plan N insurance from State Farm for around $95 per month. The most costly Plan N provider is Blue Cross Blue Shield of North Dakota, which charges $122.90 per month. That's a monthly difference of about $27.90 between the two carriers.

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65

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  • Company
    Sample Monthly Rate
  • State Farm
    $95
  • UnitedHealthcare
    $113
  • Blue Cross Blue Shield of North Dakota
    $123

Providers Offering Plan N in North Dakota

Plan N is available in North Dakota from 29 different providers, however, not all of them give online quotes. MoneyGeek compiled their contact information to assist you in determining which company best meets your requirements. The price strategy used by a supplier also indicates if it is likely to charge more based on age, which we discussed in our guide.

Providers Offering Plan N in North Dakota

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Blue Cross Blue Shield of North Dakota
    701-282-1523
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • elipsLife
    (877)969-5675
    Attained Age

What Does Plan N Cover?

All Medigap policies are required to cover at least certain benefits under the law. Plan N does not pay Part B deductibles and only covers 80% of overseas travel expenditures up to the limit of your plan. In North Dakota, State Farm's Plan N provides Foreign Travel Emergency coverage.

Required Benefits of Plan N in North Dakota
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in North Dakota: Other Plan Types

In North Dakota, there is a variety of alternative Medicare Supplement plans to choose from. Plans A, B, C, D, K, L and M, for example, are less popular since they provide less extensive coverage.

If quotations were available, MoneyGeek determined the top alternatives for each plan type based on our criteria for cost and coverage. The following companies issued online quotes:

  • North Dakota Blue Cross Blue Shield
  • UnitedHealthcare
  • State Farm Insurance

Plan C will not be available in any state, including North Dakota, for persons who first become eligible for Medicare after January 1, 2020.

The Best Medicare Supplement in North Dakota - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    Blue Cross Blue Shield of North Dakota

    $86.90

  • D

    State Farm

    $122.57

  • F

    UnitedHealthcare

    $288.26

  • G

    UnitedHealthcare

    $122.91

  • L

    Blue Cross Blue Shield of North Dakota

    $114.20

  • N

    State Farm

    $95.03

How to Find the Best Medicare Supplement Plans in North Dakota

North Dakota Medigap insurance is a tricky topic. MoneyGeek gathered and evaluated price data from a variety of companies to assist you in picking the best supplier for your supplementary insurance requirements. This graph can help assist you in comparing Medicare Supplement plans in North Dakota.

North Dakota Medicare Supplement Plans Comparison Chart

Medigap plans differ in terms of coverage and availability. Plan F and C, for example, provide the most extensive coverage but are not accessible to new participants. Plan G or Plan D are the next best options for you.

You may use MoneyGeek's infographic to compare Medicare Supplement plans in North Dakota side by side. It illustrates the coverage discrepancies as well as the average cost.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in North Dakota

The cost of Medicare supplementary insurance varies based on the type of plan you choose and the provider you choose.

In North Dakota, State Farm has the most affordable prices for most letter plans. UnitedHealthcare, on the other hand, offers the cheapest monthly premium for Plan F. Blue Cross Blue Shield of North Dakota provides the least expensive Plan A policy in the state.

Pricing is usually done in one of three ways:

  • Attained Age: In North Dakota, the most popular pricing system is attained age. Your rate is determined by your present age, which means that as you become older, your premiums will rise.
  • Issue-Age: This means your policy's pricing is determined by your age when you initially purchase it, and it will not vary as you become older.
  • Community-Rated: In this pricing style, every policyholder in a certain plan type pays the same monthly premium. Only a handful of lettered plans employ this pricing method namely Plan A, F, G, and N.
Average Cost of Medicare Supplement in North Dakota

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65

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  • Company
    Sample Monthly Rate
  • Blue Cross Blue Shield of North Dakota
    $87
  • State Farm
    $124
  • UnitedHealthcare
    $126

FAQs About Medicare Supplement Plans in North Dakota

MoneyGeek has addressed the most frequently asked questions about Medicare Supplement insurance to help you understand it.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in North Dakota for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.