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Health Care Reform:

Health Insurance & Affordable Care Act

North Dakota Health Insurance Marketplace

Benefits

What’s covered: All approved plans in the state must cover the same package of benefits, called essential health benefits. In North Dakota, the benefits include:

  1. Outpatient services, such as doctor visits or tests done outside a hospital
  2. Emergency services
  3. Hospital stays, including weight loss surgery
  4. Pregnancy and baby care
  5.  Mental health and substance abuse services, including behavioral health treatment
  6. Prescription drugs, including generic and certain brand-name drugs 
  7. Lab tests
  8. Rehab and habilitative services, such as those that help people recover from an accident or injury and those that help people with developmental issues. The extent of services covered remains to be determined in North Dakota.
  9. Preventive and wellness services, along with those that help people manage chronic conditions
  10. Services for children, including dental and eye care

Some services not included: private-duty nursing, long-term nursing at home, non-emergency care outside the U.S., infertility treatment, cosmetic surgery, routine eye exams for adults, hearing aids, acupuncture, and weight loss programs.

Health Insurance Advisor: Check out Web MD’s Health Insurance Advisor to compare different kinds of plans based on your needs.

Financial Aid and Medicaid

You may be eligible for financial aid to help pay for insurance or for government sponsored insurance. Here’s what’s available:

Premium Subsidies (also known as Tax Credits): You may qualify for a subsidy -- money to help pay your health insurance premium each month. The subsidy may be sent directly to your health insurance company and is available only if you buy your insurance in the Marketplace.  In general, you'll be eligible if you're single and make about $45,960 or less a year, or if you have a family of four and make about $94,200 or less a year. Subsidies are based on your estimated household income for 2014.

You also may be eligible for cost-sharing subsidies that will reduce your costs when you get medical care. Cost sharing subsidies are available only if you buy a silver-level plan.

Medicaid Expansion: Some states expanded their Medicaid program so more people can get health insurance coverage. Because North Dakota is one of them, you may be eligible if your yearly gross income is no more than about $15,856 for one person and $32,499 for a family of four. 

CHIP: The Children's Health Insurance Program, called Healthy Steps in North Dakota, provides coverage for children of some families who have a low income but are not eligible for Medicaid.

Check with Healthcare.gov to see if you are eligible for these programs.

Available Resources

There are several ways you can get help with your insurance decisions:

  • Call Center: You can call the federal government's help line, 800-318-2596, 24 hours a day, seven days a week for information, help, and to buy insurance.
  • Web Site: Because the U.S. Department of Health and Human Services is operating the Marketplace in North Dakota, the web site HealthCare.gov is the best place to start. On that site you can create an account, find out information about different plans, and buy insurance, once you have decided which plan you want.
  • Apply by Mail: You also can use a paper application to check whether you are eligible for Medicaid, the Children’s Health Insurance Program, or the new subsidies offered through the Marketplace. Download the application from How do I apply for Marketplace coverage. After you send it in, you’ll be notified of your eligibility. You can complete your enrollment online or by calling the Marketplace Call Center at 800-318-2596.
  • Navigators and assisters: They will teach you about the Marketplace and guide you through your insurance decisions. They are supposed to be fair and impartial helpers and cannot take any money from insurance companies. Here are the organizations approved to operate Navigator programs:
    •  Great Plains Tribal Chairmen’s Health Board
    •  Minot State University, North Dakota Center for Persons with Disabilities
  • Local, state, and federal organizations: Many health and community organizations, public libraries, and hospitals are offering help. Some organizations will have volunteers who can answer questions for you. Other groups will have trained and certified helpers who can take you through the whole process by computer or by using a paper application. Certified helpers must complete required training. They also are supposed to protect your personal information.

        You can find a list of organizations that are helping with enrollment at LocalHelp.HealthCare.gov.

  • Insurance brokers and agents: People in the insurance business who take special training also can help you buy insurance through the Marketplace. They also may have policies that are not offered on the Marketplace. You can only get tax credits or subsidies if you buy through the Marketplace.

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