Medicare Advantage Plans in Rolette County, ND:
Your Complete 2025 Guide
Medicare Advantage Plans in Rolette County, ND:
Your Complete 2025 Guide
Explore 11 Medicare Advantage plans available in Rolette County, ND for 2025. These plans offer comprehensive coverage beyond Original Medicare, with options for additional benefits such as vision, dental, hearing, and wellness programs.
Compare the available plans below, or call 877-388-0596 (TTY 711) to speak with a licensed HealthCompare agent for personalized help.
Types of Medicare Advantage Plans in Rolette County, ND
With 11 Medicare Advantage plans available in Rolette County for 2025, you have a range of options to choose from. However, there are no 5-star plans available this year. Here’s a breakdown of your choices:
- Preferred Provider Organization (PPO) Plans: These plans (3 available) offer flexibility with out-of-network care at a higher cost. The average premium for these plans is $23.00.
- Special Needs Plans (SNP): These are highly specialized Medicare Advantage plans for individuals with special healthcare needs. We organize this plans here: Rolette County, ND Medicare Special Needs Plans.
Preferred Provider Organization (PPO) Medicare Advantage Plans
Preferred Provider Organization (PPO) plans offer flexibility by allowing you to see both in-network and out-of-network providers. These plans often have higher costs for out-of-network care but provide more options for those who want greater freedom in choosing their healthcare providers.
Medicare Advantage PPO Plan Options
Plan Name | Rating | Premium | MOOP | Rx Ded. |
---|---|---|---|---|
NextBlue Classic PPO | $0 | $5,500 | $325 | |
NextBlue Premium PPO | $69 | $3,750 | $200 | |
NextBlue Freedom PPO | $0 | $4,500 | N/A |
Factors to Consider When Choosing a PPO Plan
- Out-of-Network Costs: PPO plans allow you to see out-of-network providers, but this flexibility often comes with higher costs. Be sure to evaluate how much extra you'll need to pay if you prefer to see providers outside of the plan's network.
- Provider Network: Make sure your preferred doctors and specialists are in the plan's network to keep your costs lower. If you value the ability to choose providers freely, confirm the plan's network coverage meets your needs.
- Premiums and Out-of-Pocket Maximums: Compare the monthly premiums and out-of-pocket maximums across plans. Higher premiums might offer more coverage, but consider whether the additional benefits justify the cost for your situation.
- Additional Benefits: Many PPO plans offer extras like dental, vision, and wellness programs. Assess which additional benefits matter most to you and how they align with your healthcare needs.
Ready to explore your Medicare Advantage options further? Speak with a licensed HealthCompare agent today at 1-877-388-0596 (TTY 711).
How and When to Enroll in a Medicare Advantage Plan
Choosing a Medicare Advantage Plan in Rolette County requires knowing the right time to enroll. Whether it’s your first time enrolling in Medicare or you’re switching plans, understanding the different enrollment periods will help you get the right coverage for your health needs.
When to Enroll
- Initial Enrollment Period (IEP): Enroll in Medicare during this period, which starts three months before your 65th birthday and ends three months after. This is your first opportunity to select a Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): From January 1 to March 31, you can switch your Medicare Advantage plan or return to Original Medicare if your current plan no longer suits you. Learn more
- Annual Enrollment Period (AEP): Occurring annually from October 15 to December 7, this period allows you to adjust your Medicare coverage for the upcoming year. Learn more
- Special Enrollment Periods (SEPs): If certain life events, such as moving or losing coverage, apply to you, you may qualify for a Special Enrollment Period to make changes to your plan. Learn more
How to Enroll
- Talk to a Licensed Agent: Call 1-877-388-0596 (TTY 711) to speak with a licensed HealthCompare agent for expert assistance with your enrollment.
- Enroll Directly with the Plan Provider: Contact your chosen plan provider online or by phone to complete your enrollment.
- Visit Medicare.gov: Compare plans and enroll through the official Medicare website at Medicare.gov.
Common Questions About Medicare Advantage Plans
What is the difference between Medicare Advantage and Original Medicare?
Medicare Advantage (Part C) is offered by private insurance companies and combines Medicare Part A and Part B coverage, often with additional benefits like dental and vision. Original Medicare is administered by the federal government and covers Part A and Part B separately, without the extra perks.
How are Medicare Advantage plans rated?
The Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage plans on a 5-star scale, based on quality and performance. These ratings consider factors such as member satisfaction, quality of care, and customer service.
Can I use any doctor with a Medicare Advantage plan?
Whether you can use any doctor depends on the type of Medicare Advantage plan you choose. For example, HMO plans typically require you to stay within a network of providers, while PPO plans allow you to see out-of-network doctors at a higher cost.
Medicare Advantage Enrollment: Your Questions Answered
What happens if I’m already enrolled in a Medicare Advantage plan and want to switch?
If you want to switch your Medicare Advantage plan, you can do so during the Annual Enrollment Period (AEP) from October 15 to December 7, or during the Medicare Advantage Open Enrollment Period (MA OEP) from January 1 to March 31. Special Enrollment Periods (SEPs) may also apply in certain circumstances.
Can I enroll in a Medicare Advantage plan if I have pre-existing conditions?
Yes, you can enroll in a Medicare Advantage plan even if you have pre-existing conditions. Medicare Advantage plans cannot deny you coverage or charge you more based on your health status.
How do I qualify for a Special Enrollment Period?
You may qualify for a Special Enrollment Period (SEP) if you experience certain life events, such as moving to a new area, losing other health coverage, or becoming eligible for Medicaid. SEPs allow you to make changes to your Medicare Advantage plan outside of the standard enrollment periods.
Plan Availability
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Belcourt, Dunseith, Rolette, Rolla, Saint John, and all other areas of Rolette County, North Dakota.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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