If you live in North Dakota and are approaching the age of 65, you probably have a lot of questions about Medicare. How does it work? Is it expensive? Do you have to enroll?
This guide will answer common questions about Medicare in North Dakota so that you can move forward with confidence and select the plan that’s best for you. Here’s what you need to know!
Medicare is a national program and there are Medicare plans available in every state.
The default coverage is known as Original Medicare, and it has two parts:
You can also choose to add Medicare Part D for prescription drug coverage.
Another option is Medicare Advantage, known as Medicare Part C. These plans entirely replace Original Medicare and may offer additional benefits, such as dental and vision coverage. However, they also have limited medical networks and generally don’t offer out-of-network care. Learn more about the differences between Original Medicare and Medicare Advantage.
As you approach your 65th birthday, you’ll enter the initial enrollment period for Medicare. It’s important to review your needs and enroll in the appropriate coverage, especially since you have some one-time benefits during the initial enrollment period.
For example, some people like to stay on Original Medicare and get a Medigap plan to help cover costs. You have automatic approval for Medigap during your initial enrollment period and won’t have that benefit again.
Many Americans are enrolled automatically in Original Medicare without drug coverage. If you want other coverage options, you’ll need to take action during the initial enrollment period. It pays to compare your options before you make your final decision!
Medicare Advantage, or Medicare Part C, is available in North Dakota. It’s sold by private insurance companies so you’ll want to see what plans are available in your area and compare them carefully. Over 81 thousand people are enrolled in Medicare Advantage in North Dakota.
Each Medicare Advantage plan will offer at least as much as Original Medicare, and there may be extra benefits as well. However, the costs may be higher than Original Medicare, or you may have a limited medical network. Many plans for Medicare Advantage in North Dakota include prescription drug coverage, so you don’t need a separate Part D plan. More than 800 thousand people are enrolled in a Prescription Drug plan in North Dakota.
By carefully comparing available coverage, you can ensure that you get the right coverage for your needs. Remember that you can generally only change your plan once a year, so it’s important to get it right during your initial enrollment period.
Then, each year afterward, be sure you compare your coverage with any new available plans so you can ensure you get the best deal for your money based on your medical needs.
Original Medicare does not include coverage for dental care. You may be able to buy a separate dental-only insurance policy from an insurance company, or you may be able to find a Medicare Advantage plan that offers dental coverage.
Before you make your final decision, be sure you’re aware of how much coverage the dental plan includes. If you expect you might need major dental work but those services are either not covered, or you have to pay a significant percentage of the cost, it may not be worthwhile.
We hope that this guide helped you answer many of the questions you have about Medicare in North Dakota. However, it’s likely that you have additional questions or need help comparing plans. Talking to a licensed agent can be very helpful, and we’re here for you. Contact us today to compare Medicare plans and make the right decisions for your needs!