North Dakota Health Insurance
According to a recent state average, health insurance takes up to 25 percent of North Dakotans' income. With national health expenditures expected to double in the next ten years, how can you afford to get and keep your coverage?
Here at InsureMe, we will give you the tools you need to make informed decisions about North Dakota health insurance—and then we will help you find it.
By entering your information to the right, we will provide you with up to five free quotes on North Dakota health insurance, enabling you to select a plan that fits your needs and your pocketbook.
Maintain Access to Health Care with North Dakota Health Insurance
A Word about Health Status
When applying for individual North Dakota health insurance, your coverage may be determined by your health status. This means companies are free to turn you down, charge you more or limit your benefits if you have a condition that requires ongoing treatment.
The good news is that there are statutes in place to help you get and keep health insurance.
Rights and Privileges
If you are eligible for individual North Dakota health insurance, the insurance company must offer you a basic or standard health plan. Essentially, the benefits of these plans do not vary from company to company, making it easy for you to shop for the best deal.
Guaranteed renewability also protects you by prohibiting the cancellation of your North Dakota health insurance because you get sick. Closely related, the guaranteed issue states that small business owners cannot be turned down when purchasing group coverage on account of their group's health status.
If you are ineligible for group coverage and have been turned down for individual health insurance, you may be qualified to receive coverage though the Comprehensive Health Association of North Dakota (CHAND). Your coverage under CHAND is renewable as long as you reside in North Dakota, pay your premiums and meet other requirements.
If you feel that your rights concerninghealth insurance have been violated in any way, be sure to contact the North Dakota Insurance Department at (701) 328-2440.
Financial Assistance Programs
If you are unable to afford health insurance for you or your family members, it may be worth looking into the following programs:
The abovementioned CHAND program is available for those who have been denied coverage. You may also qualify for CHAND if you have been given restricted coverage or have been placed in a high-risk category because of a pre-existing condition.
North Dakota Medicaid provides health coverage for families, pregnant women, disabled and elderly individuals with low incomes. Applicants must meet state and federal poverty guidelines for assistance.
The Women's Way Program is designed for uninsured or underinsured women in need of breast and cervical cancer screening. Qualified women ages 18-64 may receive free mammograms, pap, pelvic and breast exams. Other tests may also be covered. Women that are diagnosed with cancer through Women's Way may receive treatment under North Dakota Medicaid.
Uninsured children (under the age of 19) may receive health insurance through one of two programs:
Healthy Steps covers children who come from low-income families but do not qualify for Medicaid.
The Caring Program for Children provides health and dental services for children whose working parents cannot afford North Dakota health insurance.
These state programs work together to ensure that all its residents may have access to the health care system by way of health insurance.
Help Yourself
Keep your health care costs low by employing the following tips from the North Dakota Insurance Department:
Take Care—improving your health will keep you away from the doctor and keep money in your pocket.
Take Advantage—many businesses and schools offer free health clinics and screenings. You can also benefit by attending health fairs and practicing self-examination.
Save Emergencies for the ER—a trip to the ER can cost two to three times more than an office visit with your physician.
Buy Generic—if you are able, buying generic medication can save you up to 90 percent on prescription drug costs.
Learn More
For more information on North Dakota health insurance, or about the abovementioned programs, contact the following toll-free in North Dakota:
| North Dakota Insurance Department | (800) 247-0560 |
| CHAND | (800) 737-0016 |
| North Dakota Medicaid (and Healthy Steps) | (800) 755-2604 |
| Women's Way | (800) 44WOMEN |
| Caring Program for Children | (800) 472-2622 |
Find North Dakota Health Insurance Today.
The best way to save money on North Dakota health insurance is to shop around. With InsureMe's free referral service, we will help you do exactly that. Simply enter your information to the right and receive up to five free health insurance quotes!
