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North Dakota Health Insurance
According to the Center for Disease Control, an average of 10.5 % of North Dakota residents went uninsured for North Dakota health insurance every year between 2001 and 2003.
North Dakota Health Insurance Regulations
Any individual offered coverage under an employer or group health insurance plan in North Dakota cannot be denied or limited coverage under that plan. Individuals, however, can be denied or limited access to individual health insurance. North Dakota health insurance companies can deny applicants based on age, health or other factors.
All individual and group health insurance in North Dakota is guaranteed renewable which means that an individual is guaranteed the right to renew an existing North Dakota health insurance plan if the individual has not provided any false information and has paid all premiums on time. Furthermore, any North Dakota health insurance company selling individual medical insurance must offer a choice of basic or standard plans. There are non-standardized plans as well.
North Dakota health insurance companies can impose pre-existing condition exclusion periods and elimination riders on any policy (except for HIPAA eligible individuals). Any medical condition for which an individual has received treatment, diagnoses, or advice in the six months prior to the beginning of the North Dakota health insurance policy is subject to the pre-existing exclusion period. The medical condition will not be covered during this period, which can last up to 12 months. North Dakota health insurance companies can also impose elimination riders that permanently exclude certain medical conditions or body parts from coverage for the duration of the policy.
Although pregnancy can count as a pre-existing condition, if an individual has obtained health insurance, then the newborn or adopted children are automatically covered under the parent’s individual health plan for the first 31 days after birth or adoption. Policy coverage will need to be adjusted after this time. Disabled children can remain under a parent’s North Dakota medical insurance company beyond the age at which most dependents are no longer covered.
North Dakota health insurance rates are not regulated by law. Companies that sell individual medical insurance have the right to charge higher rates depending on health, age and other factors.
Temporary Health Insurance
Some individuals need coverage between jobs and policies. Temporary health insurance is available through some North Dakota companies. Continuous health insurance coverage can also be credited towards future pre-existing condition exclusion periods.
Alternative North Dakota Health Insurance Options
For individuals who are unable to afford health insurance or may otherwise be “uninsurable” there are some state plans that may help:
- North Dakota Medicaid is available to qualified individuals who meet eligibility criteria.
- Comprehensive Health Association of North Dakota is the state’s high-risk pool and allows individuals who might be considered “uninsurable” to buy into a group health plan through the state. Pre-existing condition periods may apply.
- Healthy Steps is North Dakota’s Children’s Health insurance program that is designed to provide health insurance for children under 19 whose families do not qualify for Medicaid and who may not be able to afford North Dakota health insurance.
For other North Dakota Insurance Resources, See:
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