North Dakota
Medicare help in North Dakota
Free, unbiased counseling, help paying premiums and drug costs, how to check an agent before you talk to one, and the North Dakota rules that affect your Medigap choices.
Free counseling
SHIP
North Dakota State Health Insurance Assistance Program (SHIP) is North Dakota's State Health Insurance Assistance Program. Trained counselors answer Medicare questions, compare plans with you and help you apply for savings programs, at no cost. They don't sell insurance.
Help paying for Medicare in North Dakota
If your income and savings are limited, these programs can lower your premiums and drug costs. Many people who qualify never apply.
Medicare Savings Programs
North Dakota Medicaid runs North Dakota's Medicare Savings Programs. They pay your Part B premium, and the fullest one (QMB) also pays Part A premiums, deductibles and copays. You don't need to qualify for full Medicaid.
The 2026 federal minimum limits: income up to $1,350 a month single or $1,824 married for full help (QMB), or up to $1,816 single or $2,455 married for help with the Part B premium, and savings up to $9,950 single or $14,910 married. Your home and one car don't count. States can be more generous.
North Dakota uses the federal income limits. North Dakota calls these programs the Medicare Premium Assistance Program.
Extra Help with drug costs
Extra Help is a federal program, run by Social Security, that lowers Part D premiums, deductibles and copays. In 2026 you may qualify with income up to $23,940 a year single or $32,460 married, and resources up to $18,090 single or $36,100 married. If you get a Medicare Savings Program, Medicaid or SSI, you get Extra Help automatically. Apply with Social Security.
North Dakota drug assistance program
Medicare.gov lists no general state drug assistance program for people with Medicare in North Dakota. Start with Extra Help; North Dakota's free SHIP counselors can help you apply.
Sources: Medicaid.gov state contacts, North Dakota's own Medicaid pages and Medicare.gov's state program list, checked October 27, 2026. Limits change every year; confirm with North Dakota Medicaid before you apply. How Extra Help and savings programs work.
Check an agent's license in North Dakota
The North Dakota Insurance and Securities Department licenses insurance agents in North Dakota. Before you share personal information, look the agent up by name or National Producer Number (NPN) and make sure their license is active and includes health insurance.
Medigap rules in North Dakota
Switching plans later
North Dakota has no yearly switching window. After your first 6-month Medigap Open Enrollment Period, insurers can ask health questions before selling you a different policy, unless you have a federal guaranteed issue right. How switching works.
If you're under 65
North Dakota doesn't require insurers to sell Medigap to people under 65, though some may. You get your own Medigap Open Enrollment Period when you turn 65. More on Medigap under 65.
Source: NAIC state Medigap chart, May 11, 2026. Confirm with the North Dakota Insurance and Securities Department before changing coverage.
Dates that apply everywhere
- October 15 to December 7: Open Enrollment, when you can change Medicare Advantage and drug plans. All enrollment periods
- January 1 to March 31: people in Medicare Advantage can switch plans or go back to Original Medicare once.
- Around your 65th birthday: your 7-month window to sign up. Turning 65
Common questions in North Dakota
Where can I get free Medicare help in North Dakota?
North Dakota State Health Insurance Assistance Program (SHIP) is North Dakota's State Health Insurance Assistance Program. Its counselors help with Medicare questions for free and don't sell insurance. Call 1-888-575-6611.
How do I check a Medicare agent's license in North Dakota?
The North Dakota Insurance and Securities Department licenses insurance agents. Use its license lookup to search by the agent's name or National Producer Number (NPN), or call 701-328-2440.
How do I get help paying Medicare premiums in North Dakota?
Apply for a Medicare Savings Program through North Dakota Medicaid (1-800-755-2604). These programs pay your Part B premium, and sometimes your deductibles and copays. North Dakota uses the federal income limits. North Dakota's free SHIP counselors (1-888-575-6611) can help you apply.
Does North Dakota help pay for prescriptions?
Medicare.gov lists no general state drug assistance program for people with Medicare in North Dakota. Extra Help, a federal program run by Social Security, lowers Part D premiums and copays for people with limited income, and North Dakota's free SHIP counselors (1-888-575-6611) can check whether you qualify.
Does North Dakota have a Medigap birthday rule?
Not as of the NAIC's May 11, 2026 chart. Outside your first 6-month Medigap window and federal guaranteed issue rights, insurers in North Dakota can ask health questions before selling you a different policy.
Can I buy Medigap under 65 in North Dakota?
North Dakota doesn't require insurers to sell Medigap to people under 65, though some may. You get a full Medigap Open Enrollment Period when you turn 65.
State contacts checked against official North Dakota sites on October 26, 2026. General information, not advice about a specific plan. How we check facts.