North Dakota Health Insurance

If you're a North Dakota resident looking for health coverage, it is easy to get intimidated by the wide variety of choices you have, and the numerous state regulations regarding health insurance. Let us make your job easier — we've gathered some key information that will help you in your search. After you've read through this article, let us help you get a health insurance quote and help find the carrier that's right for your needs.

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North Dakota Individual Health Insurance Information (ND)

When selecting a health plan for yourself or for an individual, consider the medical conditions you need covered as well as the amount of money you want to spend on deductibles and out-of-pocket costs. These factors, along with certain regulations unique to North Dakota, should lead you to a decision that best suits your needs.

• If you have a health problem, you may be denied coverage. Individual insurers cannot, however, cancel your policy if you become ill after your coverage has started.
• North Dakota does not have a limit on the amount of money a carrier can charge for an individual plan.
• Health insurance carriers in ND must offer at minimum a basic and a standardized plan.

North Dakota Family Medical Coverage (ND)

North Dakota is a great place to raise a family. To ensure their health and well-being, we advise you to acquire a health plan that covers your entire household's needs. Whether you are looking to purchase a group or individual plan, we want to help you make the best decision possible. Keep in mind the following information we have gathered:

• Even if one of your family members has a health problem, you cannot be denied coverage for a group health plan if you are qualified, according to North Dakota law.
• Certain family changes, such as marriage or childbirth, may make you eligible for extra opportunities to obtain medical coverage. Check with the ND Dept. of Insurance for more details.
• Have children? If they are newborn, adopted, or disabled, they may be entitled to certain benefits in ND.
• If any family members have had preexisting conditions within the past 6 months, be prepared for a (12 month maximum) exclusion period before health coverage starts.
• If you've had continuous health coverage you can receive creditable coverage for a preexisting condition (this applies only if there have been no coverage breaks longer than 63 days).

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North Dakota Health Coverage and Pre-existing Conditions

Having trouble getting health insurance due to a preexisting condition? The Comprehensive Health Association of North Dakota (CHAND), administered by Blue Cross Blue Shield of North Dakota, helps people who, because of medical reasons or health conditions, cannot get health insurance coverage by other means. Premiums are paid by the individual and by law, cannot exceed 135 percent of the standard premium rates in the state.

To be eligible for the Comprehensive Health Association you must be a resident of North Dakota for at least six months and provide written proof that you have been turned down for health insurance by one insurance company within six months of applying to the Comprehensive Health Association. There is a waiting period that can be no longer than 6-12 months for maternity benefits and preexisting conditions.

Changing Health Plans in North Dakota (ND)

If you've just left your previous job, you may be searching for a different health plan. If you've just moved to North Dakota, you may be unsure of how health insurance regulations differ from the last state you lived in. That's why we've created this short list of important facts for you to know:

• If you're between jobs and want to keep the benefits you had under your former employer's group plan, ask about COBRA, which can help you to do so.
• North Dakota companies are not required by law to provide their employees with medical coverage.
• New employees may have to wait several months before their company benefits begin.
• In ND, be aware that you can be turned down by individual insurers because of a health problem.

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