North Dakotans have many affordable insurance options. There are several state-sponsored options, such as ND MediCal. Private health insurance is also available via the ACA Health Insurance Marketplace. There are many plans available, whether you're an individual, a family or a small-business owner.
ND Medicaid, a free health insurance program, is available to North Dakota residents who meet certain income requirements. This includes low-income adults and children, pregnant women, seniors, people with disabilities and older adults. The program includes a variety of medical services like doctor visits and prescriptions. It also covers dental and mental healthcare, hospitalizations, home visits, emergency transport, and much more.
The county in which you reside and your income determines whether or not you are eligible for ND Medicaid. The ND Medicaid website has a list with the income limits for every county.
The premiums you pay for North Dakota health insurance are determined by your age, as well as other factors such the type of plan that you select and how many people will be covered. Your monthly premium may include deductibles, coinsurance or other fees.
Deductibles can help you save by lowering monthly out-of pocket costs. They also allow you to only pay for essential healthcare expenses. These can be extremely helpful for those on a budget, or who need to save money in the future for major medical expenses.
You will have to pay a deductible depending on the plan you select, but make sure it's lower than what you'd be paying without health insurance. Making a list will allow you to compare plans, and see if you are able to afford a plan with a lower annual deductible.
You should also consider whether you need to use a specific provider or specialty care. If you need a specialist, it's best to look for one that's in-network to reduce your out-of-pocket costs.
Medicare is a federally funded program that offers basic coverage with low out-of pocket costs. If you are a Medicare eligible individual, you can apply directly to a Medicare provider or through the ND Health Insurance Marketplace.
High-deductible policies tend to be more expensive than those with lower premiums. They will cover more medical expenses.
Choose a policy that offers a low out of pocket maximum. These limits, usually set at a specific percentage of total medical costs can save you lots of money.
A policy with a high deductible may be the best option for you if you have a chronic disease. They can be expensive, but will cover a greater percentage of medical costs and give you peace of mind.
North Dakota Health Plans offer HSAs, which are pre-tax accounts that you can use to pay for your medical costs. These savings can be put towards out-of pocket medical expenses. They are an excellent option for those who do not visit the doctor often.