Introduction: The health insurance situation in North Dakota is not so alarming, in comparison to health insurance situation in some states of United States. According to a survey conducted by The Center for Disease Control, between 2001 and 2003, almost 11% of the total North Dakota residents did not get North Dakota medical insurance per year.
In the below mentioned articles, we have talked about some important North Dakota medical insurance regulations along with North Dakota state-aided medical insurance alternative options. We hope that the North Dakota dwellers will get a brief idea about the health insurance status of their state; by means of this article.
Important Regulations for North Dakota Medical Insurance
To regulate the overall health insurance condition of the state and to monitor the activities the different medical insurance companies, active within North Dakota, the state government has introduced the following regulations:
- Every group as well as individual North Dakota medical insurance should have a guaranteed provision for renewal.
- This guaranteed renewability provision lets an individual renew his or her existing North Dakota medical insurance policy; provided, he or she should have disbursed all the premiums, in time and given no false information during the term of the respective policy.
- Every North Dakota medical insurance organization compulsorily offers an option of standardized or basic plans to every customer. Customers can also access non-standardized plans.
- North Dakota medical insurance organizations can inflict a waiting period or elimination riders for any pre-existing medical condition. These can be implemented on any individual; only except, individuals that are qualified for HIPAA.
- A pre-existing medical condition may be defined as an illness for which an individual has been treated or otherwise diagnosed within 6 months, before commencement of new North Dakota medical insurance plan.
- North Dakota medical insurance organizations can implement a pre-existing medical condition waiting period for not more than 1 year. An individual will not get any coverage for his or her pre-existing medical condition, during the term of that exclusion period.
- Elimination riders can reject coverage for particular pre-existing health conditions; even permanently for the entire term of the respective health insurance plan. These can also keep out specific body systems or parts from coverage, throughout the duration of the plan.
- Continuous medical insurance coverage from previous policy can be sometimes credited towards new North Dakota medical insurance plan for pre-existing medical condition waiting period; provided there should be no breakage in coverage during the term of previous policy.
- As per state laws, pregnancy can be considered as a pre-existing health condition.
- If anyone is insured for individual North Dakota medical insurance, then the newborn or adopted children (in case of adoption) should be automatically insured for parent's individual medical insurance policy, for first 31 days from the day of birth or adoption. Nevertheless, the policy should be modified accordingly, after that period.
- Disabled and handicapped children are qualified to remain under their parent's medical insurance plan, even if they go over and above the pre-decided upper age limit.
- There is no specific standard for North Dakota medical insurance costs. Medical insurance companies that offer individual medical insurance plans; can hike or decide the premium rates, considering health condition and age as primary deciding factors.
- North Dakota individuals, who are between jobs or medical insurance policies, can taka advantage of temporary North Dakota medical insurance policies offered by some of the North Dakota medical insurance companies.
North Dakota Medical Insurance Alternative Options
There are some state-aided alternative medical insurance programs available within the state of North Dakota. North Dakota individuals, who are not able to pay for North Dakota medical insurance or otherwise considered as “uninsurable”, can make use of such state-aided alternative medical insurance programs.
- North Dakota Medicaid: This program is available to North Dakota individuals who meet all the income as well as other health-related qualifying criteria.
- Healthy Steps: This is North Dakota's Children's Health Insurance Program, which is specifically designed to insure children and teens, for North Dakota medical insurance. However, children from the families that are not eligible for North Dakota Medicaid or unable to pay for North Dakota medical insurance are only allowed to access the program.
- North Dakota Comprehensive Health Association: This the high risk pool for the North Dakota state. Through this program, North Dakota individuals, who are otherwise considered as “uninsurable”, can purchase group North Dakota medical insurance plans. Pre-existing medical condition exclusion period may be applied.