Medicare Part D North Dakota: Your Guide to Drug Plans in 2025
Healthcare can be complicated, but choosing a Medicare Part D plan in North Dakota doesn't have to be. With 22 plans available in 2025, it's natural to feel unsure. That's why we're here - to break down the complexities and help you find the Medicare Part D North Dakotaplan that's right for you.
We're here to walk you through everything you need to know so you can make a confident, informed decision about your Medicare Part D North Dakota coverage options.
Medicare Part D North Dakota: The Complete List
Plan Name | Premium | Deduct. | Benefit | LIS | Gap | Rating |
---|---|---|---|---|---|---|
AARP Medicare Rx Basic from UHC | $38.50 | $545 | Basic | Yes | No | |
AARP Medicare Rx Preferred from UHC | $103.80 | $0 | Enhanced | No | No | |
AARP Medicare Rx Walgreens from UHC | $62.00 | $410 | Enhanced | No | Yes | |
Cigna Extra Rx | $80.70 | $145 | Enhanced | No | Yes | |
Cigna Saver Rx | $20.30 | $545 | Enhanced | No | No | |
Cigna Secure Rx | $59.20 | $545 | Basic | No | No | |
Clear Spring Health Value Rx | $28.80 | $545 | Basic | Yes | No | |
Humana Basic Rx Plan | $44.50 | $545 | Basic | No | No | |
Humana Premier Rx Plan | $95.20 | $200 | Enhanced | No | Yes | |
Humana Walmart Value Rx Plan | $38.00 | $545 | Enhanced | No | Yes | |
MedicareBlue Rx Premier | $123.50 | $0 | Enhanced | No | Yes | |
MedicareBlue Rx Select | $20.20 | $545 | Enhanced | No | No | |
MedicareBlue Rx Standard | $76.40 | $545 | Basic | No | No | |
Mutual of Omaha Rx Essential | $22.90 | $545 | Enhanced | No | No | |
Mutual of Omaha Rx Plus | $40.90 | $545 | Basic | Yes | No | |
Mutual of Omaha Rx Premier | $70.30 | $349 | Enhanced | No | No | |
SilverScript Choice | $41.00 | $545 | Basic | Yes | No | |
SilverScript Plus | $92.60 | $200 | Enhanced | No | Yes | |
SilverScript SmartSaver | $5.30 | $280 | Enhanced | No | No | |
Wellcare Classic | $39.40 | $545 | Basic | Yes | No | |
Wellcare Medicare Rx Value Plus | $79.00 | $0 | Enhanced | No | No | |
Wellcare Value Script | $0.50 | $545 | Enhanced | No | No |
Medicare Part D North Dakota Explained
A Part D plan is North Dakota's go-to for helping you cover prescription drug costs if you're on Medicare. The main difference between this and Original Medicare is that private insurance companies run the show.
This year, you can expect to shell out an average of $394 for deductibles, but 3 plans offer a $0 deductible - music to the ears of those who have regular prescriptions.
How Medicare Part D Plans Work
Every Medicare Part D plan covers a wide range of drugs categorized into what’s known as a formulary. Formularies list all the medications covered by that specific plan. Each plan may have different formularies, which is why it’s essential to check and make sure yours includes the prescriptions you need.
Also, every formulary has different “tiers” which categorize medications based on cost. Generally, lower-tier drugs have lower copayments, while higher-tier medications will come with higher out-of-pocket costs.
For example, Tier 1 drugs might include generic medications and have the lowest copayments. Tier 2 might be preferred brand-name drugs and have slightly higher costs. Tiers 3, 4, and 5 might include specialty medications with higher price tags.
Your out-of-pocket costs can vary depending on factors like your chosen plan, the tier level of your medications, and which coverage phase you’re currently in (deductible phase or initial coverage phase, for example).
Key Factors to Consider When Before a Medicare Part D North Dakota Plan
Finding a Medicare Part D North Dakota plan that aligns with your individual needs requires careful review of various factors. This ensures that your plan provides the right coverage while minimizing your out-of-pocket costs.
Monthly PremiumThis is the amount you pay each month for your Medicare Part D plan. Think of it like a subscription fee. While it’s tempting to go for the lowest possible premium, remember to factor in deductibles, copayments, and coverage details.
A lower monthly premium often means a higher deductible or more limited coverage. The goal is to find a good balance that won't result in unexpected expenses later.
Annual Deductible
Similar to deductibles with other types of insurance, this is the amount you need to pay out of pocket for covered medications before your Medicare Part D plan starts covering costs. It’s the amount you pay before your insurance kicks in.
If you regularly take prescription medications, opting for a plan with a lower deductible can often lead to greater savings. If you rarely need prescriptions, choosing a plan with a higher deductible might be a better option.
Drug Formulary
Carefully check the plan’s formulary (list of covered medications) to make sure the drugs you take are on it. Since plans often change their formularies throughout the year, it’s a good practice to review it during the Annual Enrollment Period to confirm your medications are still covered.
Pay special attention to your drug’s tier placement because this directly impacts how much you'll have to pay for it.
Pharmacy Network
Most plans have preferred pharmacy networks offering reduced medication prices, potentially saving you significant money. Check that the pharmacies you prefer are in the plan’s network and explore if mail-order pharmacy services are an option. This can be particularly beneficial for maintenance medications.
How Part D Plans Coordinate with Other Medicare Coverage
Medicare Part D offers prescription drug coverage, but how does it work alongside your other Medicare benefits? Let’s break it down for clarity:
Original Medicare (Parts A and B)
With Original Medicare, Part A covers hospital stays, while Part B handles doctor visits and other medical services, including medications administered by your doctor. Part D comes into play by helping cover the costs of the prescription drugs you take at home. Together, these parts provide comprehensive coverage for both medical care and prescriptions.
Medicare Supplement Insurance
Medicare Supplement plans, often referred to as Medigap, help pay for some of the healthcare costs that Original Medicare doesn’t cover, such as copays, coinsurance, and deductibles. However, Medigap plans don’t cover everything.
For example, Medicare Supplements don’t include prescription drug coverage. To get coverage for your medications, you'll need to enroll in a stand-alone Part D plan.
If you take multiple medications, having both a Medicare Supplement plan and a Part D plan can help you manage your costs. Although you’ll pay a monthly premium for each, the added security of comprehensive medical and drug coverage can be well worth it.
Medicare Advantage
Part D works differently if you have a Medicare Advantage plan, sometimes called Part C. Most Medicare Advantage plans include Part D prescription drug coverage. This means you get your medical and prescription drug coverage bundled together.
However, some Medicare Advantage plans don't include Part D, allowing you to choose a stand-alone Part D plan.
Whether you choose Original Medicare with a standalone Part D plan or a Medicare Advantage plan with drug coverage, the goal is to find what fits you best. Think about what prescriptions you take and your budget. This will help you make the best choice for your health needs.
Important Dates for Medicare Part D Enrollment
Medicare has specific timeframes for enrolling in or modifying your coverage. Here are the key enrollment periods to keep in mind:
- Initial Enrollment Period (IEP): This begins three months before your 65th birthday and lasts for a total of seven months.
- Annual Enrollment Period (AEP): Occurring each year from October 15th to December 7th, this period allows you to make changes to your coverage.
- Medicare Advantage Open Enrollment Period: Held annually from January 1st to March 31st, this period is for those who already have a Medicare Advantage plan.
For more details, be sure to checkout and bookmark our Medicare Enrollment Periods Guide.
Finding Help With Medicare Part D North Dakota Enrollment
Finding and comparing Medicare Part D California plans alone can sometimes feel daunting. But there’s help available. Our team of experienced, licensed insurance agents is available by phone (1-877-388-0596) from 8 a.m. to 11 p.m., Monday through Sunday (Eastern Standard Time).
We can answer your questions and assist with plan comparisons to guide you through the process.
Plans Offered 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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