Medicare Supplement Insurance (Medigap) helps North Dakota seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, such as deductibles, copayments, and coinsurance. North Dakotans can choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to beneficiaries who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in North Dakota
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 35,795 |
| 2 | G | 15,863 |
| 3 | N | 1,521 |
Note: Plans E, H, I, and J were discontinued nationwide. Pre-standardized plans (sold prior to July 1992) may still exist but are no longer issued.
Did you know? North Dakota has one of the highest proportions of beneficiaries still enrolled in Plan F compared to other states. With more than double the enrollment of Plan G, many North Dakotans are holding onto their long-standing Plan F coverage, even as new enrollees nationwide shift toward Plan G.
How Medigap Pricing Works in North Dakota
Premiums for Medigap plans may rise differently depending on how insurers set rates. In North Dakota, Medigap policies may be priced under one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at the time of purchase and may rise with inflation, not age.
- Community rated – All policyholders pay the same premium, regardless of age.
Under-65 Eligibility in North Dakota
North Dakota does not require insurers to offer Medigap coverage to beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). Some companies may voluntarily extend coverage, but availability and pricing for this group can be limited.
Choosing a Medigap Plan in North Dakota
Plan F remains the dominant Medigap option in North Dakota, though it is closed to new enrollees. Plan G is gradually growing as the preferred choice for new beneficiaries, while Plan N offers a lower-cost alternative. All Medigap policies work nationwide with any provider who accepts Medicare, giving North Dakota residents dependable coverage whether they receive care in Fargo, Bismarck, or across the country.
To review premiums and compare Medigap plan options in your ZIP code, visit our Medigap rate comparison page.