North Dakota Medicare Coverage Guide
Find dental, vision, hearing aid, and nursing home Medicare benefits available to North Dakota residents.
North Dakota Dental Coverage
North Dakota Medicaid covers limited dental for dual-eligible beneficiaries. North Dakota faces dental provider shortages in rural areas.
Available Programs
- ND Medicaid Dental
- Medicare Advantage dental plans
- University of North Dakota dental hygiene program
Typical Out-of-Pocket Cost
$800–$2,500/year
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for North Dakota Residents
- Community health centers provide low-cost dental in Fargo and Bismarck
- ND SHIC (1-888-575-6611) for plan guidance
- Mobile dental units serve rural ND
North Dakota Vision Coverage
ND Medicaid covers vision for dual-eligible members. Limited MA plan options outside Fargo and Bismarck.
Available Programs
- ND Medicaid vision
- Medicare Advantage vision
- ND Vocational Rehabilitation
Typical Out-of-Pocket Cost
$200–$450/year
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for North Dakota Residents
- ND VR: 701-328-8950 for vision rehabilitation
- Diabetic eye exam covered by Part B
- ND SHIC: 1-888-575-6611
North Dakota Hearing Aids Coverage
Medicare does not cover hearing aids. ND has very limited audiology services outside major cities.
Available Programs
- Medicare Advantage hearing plans
- ND School for the Deaf
- ND Assistive Technology Program
Typical Out-of-Pocket Cost
$1,200–$7,000 per pair
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for North Dakota Residents
- ND ATP: 701-328-8968 for assistive technology
- OTC hearing aids best option in rural ND
- ND SHIC: 1-888-575-6611
North Dakota Nursing Home Coverage
Medicare Part A covers SNF. ND Medicaid covers long-term care. ND has affordable nursing home costs.
Available Programs
- Medicare Part A SNF
- ND Medicaid LTC
- ND SHIC (1-888-575-6611)
Typical Out-of-Pocket Cost
$200–$280/day semi-private
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for North Dakota Residents
- ND has affordable nursing home rates
- Home-based HCBS waiver available
- ND SHIC: 1-888-575-6611
📊 Live CMS Data North Dakota Medicare Snapshot
Source: CMS Medicare Monthly Enrollment 2024 & CMS MA Landscape 2025 — public data from data.cms.gov
- Sanford Health
- Medica
- UnitedHealth
Get Free Help in North Dakota
SHIP Counseling
Your state's State Health Insurance Assistance Program (SHIP) offers free, unbiased Medicare counseling from trained volunteers. They can help you compare plans and enroll.
Find North Dakota SHIP →1-800-MEDICARE
Call 1-800-633-4227 (TTY: 1-877-486-2048) 24/7 for Medicare questions, plan comparisons, and enrollment help. Free and official.
Medicare.gov →Medicare Plan Finder
Use the official Medicare Plan Finder tool at Medicare.gov to compare all Medicare Advantage, Part D, and Medigap plans available in North Dakota by ZIP code.
Compare Plans →Nursing Home Compare
Research and compare nursing home quality ratings, staffing levels, health inspection results, and more for facilities across North Dakota.
Care Compare →