A recent survey conducted in the state reveals that more than 25% of the total income of the residents is spent on Health Insurance. It has been estimated that the national expenditures will almost double within ten years. So the question is if you are a resident of this state, can you afford to spend money on North Dakota health insurance ?

When a person applies for individual plans in this state, his/her coverage will be determined by the status of the individual applying. What this means is that the companies might turn down a person’s request after viewing his record or might charge the person more or even go ahead and limit the benefits that the person would have enjoyed otherwise. When a person becomes eligible to buy a North Dakota health insurance plan, then he/she will first be offered a basic plan. The benefits offered by various companies do not cost very much thus making it very easy for a person to go ahead and search for the best deal available. A person who buys a plan is protected by the Guaranteed Renewability provision which guarantees the non cancellation of the person’s insurance plan in case he/she gets sick.

There are instances when a person is monetarily weak and is unable to buy health insurance for himself and his family members. In such cases, what a person can do is consider the following programs:

1) The CHAND program is especially for those who have been denied health insurance.

2) MEDICAID is for those with low incomes and provides insurance for the disabled, pregnant women and helpless families.

3) Children who are not insured can go for the Healthy Steps program by consulting authorities.

All those working parents who cannot afford the North Dakota Health Insurance Program for their children can go for The Caring Program for Children which provide the children with health and dental services.

Those who can afford a North Dakota Health Insurance program should buy it right away and those who cannot afford it can consider the programs that have been mentioned above.

ND Insurance Department
State Capitol, Fifth Floor
600 East Boulevard Avenue
Bismarck, ND 58505-0320
701.328.2440 - phone
701.328.4880 - fax