North Dakota Health InsuranceIndividuals and Families
North Dakota Health Insurance
How to find an affordable plan.
Our goal is to better help you understand your North Dakota Health insurance options. The more you understand about medical insurance, the better equipped you will be to make an informed decision. If you are provided with coverage through your employer, we can help you decide which of the available plans is right for you. For those of you who are self-employed, unemployed, or work for employers who do not provide coverage, you have even more options and decisions to make. We can connect you with agents and carriers who can provide free, affordable health insurance quotes, but before you decide, you should have a basic understanding of the options. Within the individual health insurance market (as opposed to group health insurance or other categories) carriers develop plans that provide varying levels of coverage and out of pocket expenses. In general, plans with higher premiums offer greater coverage and lower out of pocket expenses for services. However, if you are unlikely to utilize these services throughout the year, you may end up paying higher premiums for services you don’t actually need.
Leading North Dakota Health Insurance Companies
Consider Where you Live
Areas of North Dakota can be relatively remote. When shopping for affordable health insurance you need to keep that in mind. If you live in one of these less populated areas, make sure the policy you select includes emergency transportation to medical facilities, and transfer to better equipped facilities. Just as important, make sure your local hospitals and doctors are included in the health insurance programs for that company. While the major cities have plenty of health care available and smaller insurance companies may be fine in those instances, if you are far removed from a major city those companies may not have the necessary reach.
Comprehensive Health Association of North Dakota (CHAND)
CHAND is an option for residents of North Dakota who have been denied health insurance coverage due to medical conditions. When insurance companies deny coverage, it is their responsibility to inform those individuals about CHAND. Covering major medical and prescription drug expenses (within plan limitations) CHAND may be the best option for those applicants who meet established eligibility options.
Don’t Decide Based on Price Alone
Always consider all of the costs of your cheap health insurance policy. Smaller companies and discount health insurance companies may offer rates that seem very attractive until you look at the policies and see what they do not cover, how limited or restrictive they are, and how many out of pocket expenses are included to keep their monthly premiums low. Make sure you are completely aware of all of the aspects and can accept those aspects of a policy before selecting a health insurance policy just based on cost.
Health Insurance Exchanges in North Dakota
To learn more about the benefits of the Health Insurance Exchange in your state, click here
Resources and information
North Dakota Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
North Dakota Doctor Directory
Doctors practicing medicine in the State of North Dakota are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.