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Looking for North Dakota Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.
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There are 16 different North Dakota Medicare Advantage (Medicare Part C) plans offered in North Dakota for 2025.2 Not every plan is available in each county, so it's important to find out which ones are offered where you live.
A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of North Dakota. Read below to learn more about Medicare in your state.
The average premium for a Medicare Advantage plan in North Dakota is $31.98 per month for 2025.2
Individual plan premiums, deductibles and out-of-pocket costs may vary greatly depending on where you live and the plan you have.
You can view the 2025 average North Dakota Medicare Advantage plan monthly premiums by county listed below in this guide.
A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.
We represent carriers such as Humana, Aetna, UHC, Anthem BCBS*, Wellcare, Cigna Healthcare, and Kaiser Permanente.
The following table includes cost information and other plan details for Medicare advantage plans available in North Dakota in 2025. The plans listed are only representative of plans offered by TZ Insurance Solutions LLC. We do not offer every plan available in your area.
| Plan Name | Plan Code | Monthly Premium | Deductible | Out of Pocket Max | Prescription Drug Coverage | Medicare Star Rating |
|---|---|---|---|---|---|---|
| Humana Gold Choice H8145-006 (PFFS) | H8145-006-000 | $38.00 | $590.00 | N/A | Yes | 4 out of 5 stars |
| UHC Dual Complete ND-S1 (PPO D-SNP) | H2001-085-000 | $0.00 | $0.00 | $9,350.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FG-0002 (PPO) | H2001-119-000 | $0.00 | $570.00 | $6,700.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FG-0003 (PPO) | H2001-120-000 | $59.00 | $495.00 | $5,900.00 | Yes | 4 out of 5 stars |
| Aetna Medicare Platinum (PPO) | H1608-081-000 | $0.00 | $590.00 | $4,500.00 | Yes | 4 out of 5 stars |
If you want to enroll in Medicare Advantage in North Dakota, you must first be enrolled in Medicare Part A and Part B, often referred to as Original Medicare.
To be eligible for Original Medicare at age 65, you must meet the following requirements:
You may also be eligible for Medicare benefits under 65 if:
If you have ESRD, you may be able to enroll in a Medicare Advantage plan or an North Dakota Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.
Your first opportunity to enroll in a North Dakota Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).
Your Medicare IEP starts three months before your 65th birthday. It includes the month of your 65th birthday and then continues for another three months after your birthday.
Additional times at which you may sign up for a Medicare Advantage plan include:
Medicare Advantage Open Enrollment Period: January 1 – March 31
If you're already enrolled in a Part C plan, from January 1 to March 31 every year, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.
If you return to Original Medicare during this period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).
Fall Medicare Open Enrollment Period (also called the Annual Enrollment Period): October 15 – December 7
From October 15 to December 7 every year, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.
You may also drop your existing Medicare Advantage plan and return to Original Medicare.
During the fall open enrollment period, you may also join, switch or drop a Medicare Part D plan.
You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year for qualifying circumstances.
A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.
Each year, the Centers for Medicare & Medicaid Services (CMS) issues star ratings for all Medicare Advantage plans using a system of one to five stars.
In order for a Medicare Advantage plan to be designated as a top-rated plan, it must have four or more stars out of five stars.
43.3% of 2024 MA plans in North Dakota that include prescription drug coverage were rated 4 stars or higher.2
| Star Ratings | |
|---|---|
|
★★★★★ |
Excellent |
|
★★★★ |
Above Average |
|
★★★ |
Average |
|
★★ |
Below Average |
|
★ |
Poor |
Medicare Advantage plans are rated in the following five categories:
The information for the star ratings is gathered from information that is submitted to Medicare, Medicare’s regular monitoring activities and member surveys.
Multiple insurance carriers may offer Medicare Advantage plans in North Dakota, depending on where you live.
Some of the insurance companies who offer Medicare Advantage plans in North Dakota include:
This is not a comprehensive list of all the insurance companies that offer Medicare Advantage plans where you live. You can visit Medicare.gov to see a full list of insurance companies who offer Medicare Advantage plans where you live.
Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.
Call to speak with a licensed insurance agent who can help you compare some of the Medicare Advantage plans that are sold in your area.
When you’re shopping for Medicare Advantage plans in North Dakota, you can compare plans from several different carriers by using some of the following information:
Learn more about 2025 North Dakota Medicare Advantage plans by county.
The major types of Medicare Advantage plans include:
Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2025 North Dakota Medicare Advantage plans that are available where you live.
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