Can I get a Medigap Plan F or has it Gone Away?
In 2020 you will no longer be able to purchase a Medicare Supplement Plan F in North Dakota. However, if you get a Plan F policy in North Dakota now you will be able to keep it. These highly valuable supplemental plans are being phased out as a cost cutting measure for the government. The theory is that seniors will stop seeing their doctor if they have to pay out-of-pocket.
Join a North Dakota Medicare Part D Plan for Rx Coverage
In years past supplemental plans were allowed to offer prescription coverage. Not anymore. Today, supplements must be in lock-step with Original Medicare. If Medicare doesn't cover it, then supplemental insurance can't cover the gap. That means the only way to get help with prescriptions is through a North Dakota Medicare Part D plan.
North Dakota has Standardized Medicare Supplements
The North Dakota Department of Insurance and the federal government passed laws that require insurance carriers to standardize Medicare Supplement insurance. Plans must be identified as Medicare Supplement Insurance and plans must follow the state's standardized naming convention. Each standardized plan offers the same benefits. Only the monthly premiums, and how the premiums are calculated, may vary.
All supplements sold in North Dakota offer the basic benefits of Plan A. All other plans include additional levels of gap coverage. This lets you to select the amount right coverage for your personal needs.
Each carrier decides which plans it wants to issue. State law mandates that:
- Carriers are not required to offer every plan;
- Carriers must offer Plan A (basic benefits); and
- Carriers must also offer Plan C or Plan F.
To learn more, visit the North Dakota Department of Insurance website at http://www.state.nd.us/ndins/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of North Dakota dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in North Dakota is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
- 1-888-575-6611; TTY: 1-800-366-6888
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