Medicare Supplement Cost in North Dakota
2026 Medigap Plan G, N & F rates for North Dakota residents — age 65+
Non-tobacco rates. Tobacco users pay 10–20% more. Part B premium ($$202.9/mo in 2026) is separate.
North Dakota Medigap Premium Calculator
Medigap Plan Comparison — North Dakota 2026
Age 65, non-tobacco. Annual Part B premium ($202.90/mo) is additional and the same for all plans.
| Plan | What It Covers | Monthly | Annual |
|---|---|---|---|
| Plan G | Most popular — covers all except Part B deductible | $130/mo | $1,560/yr |
| Plan N | Lower premium — $20 office copay, $50 ER copay | $104/mo | $1,248/yr |
| High-Ded. Plan G | $2,950 deductible before coverage; very low premium | $36/mo | $437/yr |
| Plan K | 50% cost-share; lower premium, higher out-of-pocket | $59/mo | $702/yr |
| Plan L | 75% cost-share; moderate premium | $78/mo | $936/yr |
| Plan F (grandfathered) | Full coverage incl. Part B deductible — not for new enrollees after 2020 | $153/mo | $1,841/yr |
Medicare Supplement in North Dakota: Key Facts
North Dakota has below-average Medicare Supplement rates at about $130/month for Plan G. North Dakota follows standard federal Medigap rules with attained-age pricing. The state has a smaller Medigap market with fewer carrier options, but Blue Cross Blue Shield of North Dakota dominates with competitive rates.
Buying Tips for North Dakota
North Dakota's limited carrier market means comparing all available options is especially important. Contact North Dakota's SHIP at 1-888-575-6611 for free counseling — they can identify every carrier in your area. Compare Blue Cross Blue Shield of ND, AARP/UnitedHealthcare, and Mutual of Omaha.
Plan G Premium by Age in North Dakota
Attained-age pricing (most common): premiums increase as you age. Community-rated plans (MA, NY, CT) do not increase with age.
North Dakota Pricing Model: Attained-Age
North Dakota Medigap plans typically use attained-age pricing — premiums increase as you get older. A Plan G policyholder paying $130/month at 65 can expect to pay approximately $234/month at age 80. Beyond comparing today's premium, check each insurer's track record for annual rate increases — some carriers consistently raise rates 5–8%/year while others are more stable.
What Medigap Covers — and What It Doesn't
Plan G Covers in North Dakota
- ✓ Part A hospital coinsurance (365 days beyond Medicare)
- ✓ Part B coinsurance / copayments (100%)
- ✓ Part A hospice care coinsurance
- ✓ Skilled nursing facility coinsurance
- ✓ Part A deductible ($1,762 in 2026)
- ✓ Foreign travel emergency (80%)
NOT Covered by Any Medigap
- ✗ Prescription drugs (need separate Part D — $0–$100/mo)
- ✗ Dental, vision, and hearing
- ✗ Long-term care / nursing home stays
- ✗ Routine physical exams beyond Medicare
- ✗ Cosmetic procedures
- ✗ Part B deductible ($283 in 2026 — Plan G)
Medigap works alongside Original Medicare (Parts A & B). You still need a separate Part D plan for prescription drugs and may want separate dental/vision coverage.
Estimate Your Total Medicare Budget in North Dakota
Toggle components on/off and adjust values to model your complete annual Medicare cost.
Plan G vs. Plan N: Break-Even Calculator
Plan G costs more in premiums but has no copays. Plan N costs less but charges up to $20 per office visit and up to $50 for ER visits. This tool estimates your break-even point using North Dakota rates.
Long-Term Cost Projection — North Dakota
Compare cumulative Medigap premium costs over time. This is a projection, not a forecast — actual increases vary by insurer, state, and inflation.
| Age | Plan (Annual / Cumulative) | |
|---|---|---|
Projections are illustrative only. Actual premium increases vary by insurer, state, pricing method, claims experience, inflation, and regulatory factors.
IRMAA Calculator — Part B Premium Surcharge
Higher-income Medicare beneficiaries pay an Income-Related Monthly Adjustment Amount (IRMAA) in addition to the standard Part B premium. Medicare generally uses your tax return from 2 years prior.
This is not tax advice. IRMAA brackets are estimated — verify at ssa.gov or cms.gov. Life-changing events (retirement, marriage, divorce, death of spouse) may qualify for an IRMAA reduction.
Medigap vs. Medicare Advantage in North Dakota
Answer a few questions about your preferences and this tool will show which approach may be a better fit. Neither option is universally better.
Side-by-Side Comparison
| Factor | Original Medicare + Medigap | Medicare Advantage (Part C) |
|---|---|---|
| Monthly premium | Part B + Medigap ($300–$450) | Part B + plan ($200–$280) |
| Provider network | Any doctor accepting Medicare, nationwide | Network required (HMO/PPO) |
| Copays per visit | None (Plan G) or up to $20 (Plan N) | $15–$50 per visit typical |
| Annual OOP max | Effectively $$283/yr (Plan G) | $4,000–$8,300/yr typically |
| Prescription drugs | Separate Part D plan needed | Usually included |
| Dental/vision/hearing | Separate coverage needed | Often included (basic) |
| Travel coverage | Foreign emergency covered (Plans G, N) | Usually no coverage outside US |
| Cost predictability | Very predictable; minimal surprises | Variable; depends on usage |
This is a general comparison. Plan features, costs, and availability vary by location, carrier, and year. Review specific plans at Medicare.gov Plan Finder.
Medigap Enrollment Timeline Calculator
Enter your date of birth and Part B start date to find your Medigap Open Enrollment Period — the 6-month window when you have guaranteed-issue rights in North Dakota.
How Medigap Premiums Are Priced in North Dakota
Medigap insurers use one of three pricing methods. The method determines how your premium changes over time — it's often more important than the starting price.
Community-Rated
Everyone pays the same premium regardless of age. Increases only for medical inflation. Best long-term value. States: CT, MA, MN, NY.
Issue-Age-Rated
Premium based on your age when you first buy. Does not increase solely due to aging — only inflation adjustments. Good long-term predictability.
Attained-Age-Rated ← North Dakota
Most common. Premium increases annually as you age, plus inflation. Often cheapest at 65 but most expensive by 80+. Compare carefully.
Hypothetical Premium Comparison Over Time
| Age | Community-Rated | Issue-Age | Attained-Age |
|---|
Hypothetical illustration only. Actual increases depend on insurer, state regulations, and market conditions.
Medigap Birthday Rule & Switching Checker
Some states offer annual windows to switch Medigap plans without medical underwriting. Check if North Dakota has a birthday rule, anniversary rule, or year-round guaranteed issue.
Quick Reference: States with Switching Protections
Year-Round Guaranteed Issue
CT, MA, ME, MN, NY, VT, WA, WI
Birthday/Anniversary Rule
CA, ID, IL, LA, MO, NV, OR
State rules can change. Last verified: June 2026. Always confirm with your state's Department of Insurance.
2026 Medicare Cost Updates
| Medicare Component | 2026 Amount | Source |
|---|---|---|
| Part B monthly premium | $$202.9/mo | CMS.gov |
| Part B annual deductible | $$283/yr | CMS.gov |
| Part A inpatient deductible | $$1,762/benefit period | CMS.gov (est.) |
| Part D max deductible | $$615/yr | CMS.gov |
| Part D OOP cap | $$2,100/yr | CMS.gov (IRA) |
| HD Plan G deductible | $$2,950/yr | CMS.gov |
| Plan K OOP limit | $$8,000/yr | CMS.gov |
| Plan L OOP limit | $$4,000/yr | CMS.gov |
Figures based on published 2026 Medicare data. Values marked "(est.)" are estimated pending final CMS confirmation.
Compare Medicare Supplement Plans in North Dakota
Medigap coverage is federally standardized — Plan G is Plan G everywhere. The ONLY difference between carriers is price and service. Compare all North Dakota carriers to find the lowest rate for identical coverage.
Frequently Asked Questions
How much does Medicare Supplement insurance cost in North Dakota?
Medicare Supplement Plan G in North Dakota costs approximately $130/month for a 65-year-old non-tobacco user. Plan N averages $104/month. Rates increase with age — at 75, expect $$192/month for Plan G. This is your Medigap premium only; the standard Part B premium ($202.90/month in 2026) is a separate federal charge.
What is the best Medicare Supplement plan in North Dakota?
Plan G is the most popular and generally the best Medigap plan for new Medicare enrollees in North Dakota. It covers everything except the Part B deductible ($283 in 2026), giving you predictable costs year-round. Plan N is an excellent alternative if you're healthy and comfortable with $20 office visit copays — it costs 15–20% less. High-Deductible Plan G offers the lowest premium (~$36/month) but requires paying a $2,950 deductible before benefits kick in — best for very healthy seniors.
When can I enroll in Medicare Supplement in North Dakota?
North Dakota: Standard 6-month open enrollment at 65 (federal rules). North Dakota SHIP provides free Medicare counseling — 1-888-575-6611; smaller market but competitive rates
Is Medicare Supplement or Medicare Advantage better for North Dakota residents?
Medicare Supplement works with Original Medicare — giving you access to any doctor or hospital that accepts Medicare nationwide with predictable costs. Medicare Advantage (Part C) often has $0 premium but uses HMO/PPO networks and has out-of-pocket maximums of $4,000–$8,300/year. Supplement is better for: those with frequent health needs, travelers, people who want any doctor/hospital. Advantage is better for: healthy seniors in strong-network areas who want low monthly costs and don't mind network restrictions.
How does North Dakota Medigap pricing work — will my premium increase as I age?
North Dakota Medigap plans typically use attained-age pricing — premiums increase as you get older. A Plan G policyholder paying $130/month at 65 can expect to pay approximately $234/month at age 80. Beyond comparing today's premium, check each insurer's track record for annual rate increases — some carriers consistently raise rates 5–8%/year while others are more stable.
Methodology & Data Sources
Premium estimates: Based on published state insurance department rate filings, industry surveys, and publicly available Medigap market data for North Dakota. Premium ranges represent typical low to high across major carriers for the specified age and plan type. They are modeled approximations — not actual insurance quotes from any specific carrier.
Medicare figures: Part B premium, deductible, Part D costs, Plan K/L limits, and HD Plan G deductible sourced from official CMS.gov announcements for the 2026 benefit year.
State adjustments: Approximate factors reflecting North Dakota's cost-of-living, regulatory environment, and market competition. They are NOT actual carrier rates.
Data Sources
- • Medicare.gov — Official Medicare information
- • CMS.gov — Centers for Medicare & Medicaid Services
- • Medicare.gov Plan Finder — Official plan comparison tool
- • State Health Insurance Assistance Programs (SHIP) — Free counseling for Medicare beneficiaries
- • National Association of Insurance Commissioners — Insurance regulation and consumer information
Medigap Plan Cost Guides
Related Guides & Calculators
Important Disclaimer
CostPrism is not affiliated with Medicare, CMS, the U.S. Department of Health and Human Services, or any insurance company.
This calculator provides estimates for educational and planning purposes only. It does not constitute insurance advice, an insurance quote, or an offer of insurance coverage.
Always verify current Medicare costs, eligibility, and enrollment information at Medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227).
Consider consulting a licensed insurance agent or State Health Insurance Assistance Program (SHIP) counselor for personalized guidance.
Actual premiums vary by insurance company, state, county, age, health status, tobacco use, and other factors. The estimates shown are modeled approximations, not actual insurance quotes.
Medicare premiums, deductibles, and rules change annually. The information on this page is based on 2026 Medicare data as published by CMS. Carrier-specific premium information is not provided — use the Medicare.gov Plan Finder or contact a licensed insurance agent for actual quotes in North Dakota.
North Dakota Medigap Rates
- Plan G (age 65)
- $130/mo
- Plan N (age 65)
- $104/mo
- HD Plan G (age 65)
- $36/mo
- Plan G (age 75)
- $192/mo
- + Part B premium
- +$202.90/mo
Compare by State
Plan G, age 65, non-tobacco