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North Dakota health insurance
Having a health insurance is no longer a matter of choice; it has become a necessity, especially with the rising costs of healthcare in the country. If you are a resident of North Dakota and are exploring your options in health care, you have come to the right place. On this page, we provide you with details on all your health care options, starting from private health insurance carriers to your options in state health insurance.
Individual health insurance in North Dakota
If you are looking for an individual health insurance plan in North Dakota, you will be subject to medical underwriting. This means that the carrier will be allowed to look into your health status and refuse you covers if they so desire. There is a look back period allowance of 6 months and the company may impose a 12 month exclusionary period on you.
When you are looking for individual health insurance, you can go for a number of options including POS, PPO and HMO type of plans. The plans vary according to the amount of deductibles, co insurance and co payments you have to make. When you are going for a plan, try not to consider only the cost you have to bear. You should also look into the benefits offered and how relevant they are to you.
Group health insurance in North Dakota (small businesses with 2-50 employees)
When you are going for a group health plan, you will find that it is considerably less expensive compared to an individual health insurance .This is because a portion of the costs are paid by your employer. Here also, medical underwriting is allowed. The rate fixed is 25% of the indexed rate that is determined by factors like age, gender and health status. There is an exclusionary period of 12 months and a look back period of 6 months.
Coverage under COBRA
COBRA (consolidated omnibus budget reconciliation act) laws are applicable in the state of North Dakota. This law states that a company employing more than 20 people is obligated to continue covers for an employee who, for some reason, is no longer employed with the company. The covers include those being provided to his family also.
North Dakota Medicaid plans
North Dakota also offers plans under Medicaid. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. People who receive Medicare benefits may also receive benefits under these Medicaid plans. These people may receive covers on condition that they satisfy certain economic criteria.
North Dakota also offers two programs under Children’s Health Insurance Program (CHIP). Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of North Dakota, be US citizens and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer. Their income level must be up to 140% of the rate fixed by the federal poverty level.
Easy Quotes from the Top North Dakota Health Insurance Carriers
You can avail of our service to secure the most suitable North Dakota health insurance quote for yourself. You will get quotes on health insurance from the best health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find North Dakota Health Insurance
This is the easiest, surest and fastest way in which you can get a health insurance plan for yourself. You just fill in some information into an online form. This will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive fast quotes from the top carriers. You can even buy the plans online. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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