North Dakota Medicare Supplement Plans

North Dakota Medicare Supplement plans are offered to those who qualify to help fill the "gaps" of Medicare. These gaps are what Medicare does not cover and that you are financially responsible for.

Some of those gaps include:

    * Medicare Part A deductible of $1100 (2010)  - This means if you are admitted to the hospital, you are responsible for paying this amount. If you leave for 60 days or more and you're re-admitted, you must pay this deductible again. Therefore, it is not an annual deductible. Medicare Part A covers hospital expenses.

    * Medicare Part B deductible of $155 (2010)  - Unlike the Medicare Part A deductible, the Medicare Part B deductible is an annual deductible paid once per calendar year. Medicare Part B covers doctor's services.

    * Medicare Part B 20% Coinsurance - With Medicare paying 80% of physician's services, you are responsible for the additional 20% of your medical expenses.

There are other gaps, however looking at these main gaps certainly shows how important it can be to have a Medigap Policy. There currently are 10 Standardized Plans available lettered A - N. Each plan offers a different combination of benefits, as well as different premiums. A Medigap Agent from Medisupps.com can easily explain the differences of each available to you, as well as show you premiums for each from the top companies. Plan Availability varies by state.

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The easiest way to obtain a North Dakota Medicare Supplement is if you are in the open enrollment period. During this time Insurance companies must sell you a Medigap policy regardless of pre-existing health claims, if you are at least 65 years old and apply within 6 months of enrolling in Medicare Part B. For instance, if you have waited to enroll in Medicare Part B due to having employer coverage, you will still have the 6 month open enrollment period from the day your Part B coverage begins.

 
Shopping for Medigap Policy

 
There are several different insurance companies that offer Medicare Supplemental Insurance. These plans are "standardized" which means regardless of which company you choose, the coverage is identical within each plan letter. Therefore a Medicare Supplement Plan F from United of Omaha is identical coverage to a Medigap Plan F from AARP, yet the premiums can vary dramatically between the two. Some important points to consider when shopping for a plan are:

    * Prepare!

In most cases you may submit an application for a Medigap Policy up to 6 months prior to your start date, and you certainly want to take advantage of any open enrollment or guaranteed issue period.Applying early will also "lock-in" your rate in case there are any rate increase prior to your start date.

    * Shop Around!

Have a Medicare Supplement Advisor explain the differences in coverage to you helping you understand the entire process of Medicare and Medigap Plans.

 
A Medisupps.com Medigap Agent will take as much time as needed to help you understand your coverage, and shop the market year-after-year to make sure you're always in the lowest rate that you qualify for.
 
We'll take as much time as you need to completely understand all the plans and coverage available to you, determine your eligibility, and make sure you get the lowest premium year-after-year.

Call (888) 891-0229 to speak to a Medicare Supplement Advisor about a North Dakota Medicare Supplement today.

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