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North Dakota Health Insurance

 

All health insurance policies in North Dakota are considered guaranteed renewable as long as your premiums are paid up to date.  So this means your health insurance can not be canceled because you become sick.

 

North Dakota mandates that health insurance companies cover newborns and adopted children for the first 31 days, on their parent’s policy.  But inversely pregnancy is, and can be considered a pre-existing condition, except on group health policies.  Pregnancy is a pre-existing condition but not on group health insurance.

 

The Comprehensive Health Association of North Dakota (CHAND) was designed in 1982.  It is a program that provides affordable health insurance to North Dakota Residents who are uninsurable because of their health.  To visit CHAND's website click here.

 

To qualify for a CHAND plan you must be a North Dakota resident for at least 6 months and have proof of insurability.  You will have the option of 2 plans; $500 and $1,000 annual deductibles.  Pre-existing conditions can last for 180 days.

 

If you are HIPAA eligible you can also buy a CHAND policy.  In your case the policy can not have a pre-existing exclusion period, and there are certain limits that the premiums can not go above.

 

                              Request a North Dakota Health Insurance Quote

 

 

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North Dakota Small Business Health Insurance

 

In North Dakota, a group health plan, can not base your health insurance premiums on your health.  This is called non discrimination.  Small Business Health Insurance in North Dakota is also guaranteed issue; this means that you can not be turn down for coverage.  The same is not true of large employers who insurance

50+ people.

 

Pre-existing exclusions are limited on the amount of time they can exclude coverage.  Also if you have current coverage, without lapses, that will be credited against your pre-existing period.  Pregnancy is not considered a pre-existing condition on a group health plan.

 

The maximum pre-existing waiting period is 12 months for an employee. If you are a late enrollee your maximum waiting period is 18 months.  Any pre-existing periods must be applied only after written notice.

 

North Dakota mandates that all insurers selling small business health insurance must offer 2 standardized plans; standard and basic.  This makes it easier for North Dakota Small Business owners to compare and contrast policies.    Insurance companies can also offer their own, non standard policies.

 

For additional information about Small Business Health Insurance in North Dakota click here.

 

                               Request a North Dakota Small Business Health Insurance Quote

 

 

North Dakota Individual Health Insurance

 

All North Dakota Health Insurance Policies have to cover disabled children on their parent’s policy into their adulthood.  Pregnancy is considered a pre-existing condition, but not genetic information...

 

In North Dakota, insurance companies are able to decide if they want to insure you or not.  They can either rate you up or just refuse coverage.  Also North Dakota does not mandate what you buy, so insurance companies are able to design specific policies for specific consumers, rather than make insurance companies offer similar policies.

 

North Dakota allows health insurance companies to include pre-existing conditions and these are the two ways they can do it:

-         With an Elimination Rider which basically changes the policy to deny coverage of anything to do with the pre-existing condition.

-         With a Pre-Existing period, this can not be more than 12 months.

 

Relative to Pre-Existing Conditions, Insurance companies in North Dakota must give credit to prior credible coverage as long as there was not more than a 63 day lapse in coverage.

 

If you are buying an Individual Health Insurance Policy in North Dakota, you must be offered two state mandated plans by each insurer.  These plans are identical to other small business health plans and make it much easier for the consumer to compare.  There are standard and basic plans.

 

 Healthy Steps is a North Dakota program designed to provide affordable health insurance for North Dakota's population of uninsured children.  This is a great program and you should visit the website to see if you qualify.

 

For additional information about Individual Health Insurance in North Dakota click here.

 

                              Request a North Dakota Individual Health Insurance Quote

 

 

North Dakota Self Employed Health Insurance

 

In North Dakota, self employed people are not able to buy health insurance like small businesses.  A self employed person living in North Dakota must buy an individual policy, that way their rights are protected under the laws protecting individuals.

 

Another option for affordable North Dakota Self Employed Health Insurance is often associations or self employed groups.  Just keep in mind that not all of these groups or associations are regulated by the state.

 

One benefit for Self Employed people is that they are able to deduct 100% of their health insurance premiums from their taxes!

 

For additional information about Self Employed Health Insurance in North Dakota click here.

 

                              Request a North Dakota Self Employed Health Insurance Quote

 

 

Temporary North Dakota Health Insurance

 

Many situations may arise where you find yourself without health insurance, or about to be without health insurance.  These reasons could range from graduating college to being in-between jobs.  Instead of going without health insurance you should look into getting a North Dakota Temporary Health Insurance Policy.  These policies will be cheap, with high deductibles and low coverage, but getting a North Dakota Temporary Health Insurance Policy is much better than going with out health insurance. 

 

Unlike all other policies in North Dakota, Temporary Health Insurance is not sold on a guaranteed renewable policy.  If you want to reapply you can, but the insurer is able to refuse coverage.

 

For additional information about Temporary Health Insurance in North Dakota click here.

 

                              Request a North Dakota Temporary Health Insurance Quote

 

 

What types of North Dakota Health Insurance are there?

 

HMO- Health Maintenance Organization.  This type of insurance is called managed care.  This means you have certain network of doctors and hospitals in North Dakota that you have to go to for care.  Most North Dakota HMO’s have office visit co-payments that range from $10 to $35, and hospital deductibles that range from $250 to $1,500.  Often the most affordable health insurance plans are HMO’s due to the fact they are managed care.

 

PPO-Preferred Provider Organization.  This type of insurance is also called managed care but it gives the consumer much more freedom; they allow you to visit any doctor or hospital in or out of network.  Most North Dakota PPO’s have an in network and an out of network charge.  If the in network co-insurance is 100% then the out of network co-insurance would be 80%.  If the in network co-insurance is 90% then the out of network co-insurance would be 70%   Typically North Dakota PPO’s offer co-payments for doctor visits as well as hospitalization. 

 

Indemnity Plan - In North Dakota, as health insurance rates continue to rise, many people are finding it more affordable to drop their health insurance and buy a North Dakota Major Medical Health Insurance Plan.  An Indemnity plan can also be called a major medical plan or catastrophic health insurance.  Whatever you call it, typically a North Dakota Indemnity Plan would cover more “major” claims.  An Indemnity plan has an annual deductible and will usually allow you to pick different co-insurance options.  Indemnity plans allow you access to any doctor or hospital, and for this reason they are typically very expensive.

 

Discount Medical Plans – In recent years many Discount Medical Plans have started to surface.  These plans have relatively inexpensive, but consumers must realize that this is not insurance.  All these companies do is to get their customers discounted rates (20-50% off) on certain procedures at certain physicians and hospitals. 

 

Federal Mandated Health Insurance Laws

 

HIPAA

Along with North Dakota Health Insurance Laws, there are Federal Laws that regulate Health Insurance companies.   HIPAA (Health Insurance Portability and Accountability Act of 1996). This act mandated federal standards for individual and group health insurance plans.  Some of the standards that it established were relative to guaranteed renew ability, crediting for prior health coverage and pre-existing condition waiting periods.

 

ERISA

Large corporations do not have health insurance policies.  Typically they are self funded, meaning the corporation pays for all of their employee’s medical bills instead of buying health insurance.  Most of these “self funded” companies are regulated by the federal government under ERISA (Employee Retirement Income Security Act)

 

COBRA

In North Dakota it is mandated, by the state, that all companies that offer a North Dakota Group Health Insurance Policy must also enable their employees to extend their health coverage temporarily; called Cobra.  A North Dakota Cobra Insurance is typically available for a time period under 18 months.   In North Dakota you are given 60 days to decide if you are going to take North Dakota Cobra Insurance or not.  Once you have passed on the opportunity to take Cobra, you are not eligible to receive it.

 

Cobra Insurance was introduced in 1985.  Cobra stands for Consolidated Omnibus Budget Reconciliation Act.  If you would like more information about your Cobra Insurance options please contact your companies HR department.

 

Often employees are surprised at the cost of a North Dakota Cobra Insurance.  The reason for this is that they are now responsible for 103% (100% of the premium plus a 3% administration fee) of a monthly health insurance premium when they probably only paid 20% while employed. 

 

Whether nor not to take Cobra is an important question, and you should realize there are alternatives to a North Dakota Cobra Insurance Policy.  One should realize what they plan to do in the future.  If you are looking for another job, and it will be a few months before you get a job, it might make sense to look for a North Dakota Temporary Health Insurance Plan.  If you are contemplating working at a consultant, it would be in your best interest to look into a North Dakota Self Employed Health Insurance Policy.   

 

 

 

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