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Population: 635,867
(Source: U.S. Census Bureau)
Uninsured: 69,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for North Dakota health insurance policies. To verify our registration with the North Dakota Office of Insurance, please call 701-328-3548, option #2. (We're listed as HBDC). |
North Dakota has the 49th highest number of uninsured in the U.S.
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Health Insurance News in North Dakota
Buying Individual Insurance Policies in North Dakota
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in North Dakota:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Breast Reconstruction
- Colorectal Cancer Screening
- Dental Anesthesia
- Drug Abuse Treatment
- Emergency Services
- Hearing Aid
- Mammogram
- Maternity Stay
- Mental Health General
- Mental Health Parity
- Newborn Hearing Screening
- Off-Label Drug Use
- PKU/Formula
- Prostate Cancer Screening
- TMJ Disorders
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- Alzheimer's
- Ambulatory Surgery
- Ambulance Services
- Anti-Psychotic Drugs
- Autism
- Birthing Centers/Midwives
- Blood Lead Poisoning
- Blood Products
- Bone Marrow Transplants
- Bone Mass Measurements
- Cancer Medications
- Cervical cancer/HPV Screening
- Chemotherapy
- Chlamydia
- Cleft Palate
- Clinical Trials
- Congenital Bleeding Disorders
- Contraceptives
- Diabetes Self Management
- Diabetic Supplies
- Early Intervention Services
- Habilitative Services
- Hair Prostheses
- Home Health Care
- Hospice Care
- HPV Vaccine
- In Vitro Fertilization
- Kidney Disease
- Long Term Care
- Lyme Disease
- Mastectomy
- Mastectomy Stay
- Maternity
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Sickle-Cell Testing
- Orthotics/Prosthetics
- Ostomy Related Supplies
- Other Infertility Services
- Ovarian Cancer Screening
- Port-wine Stain Elimination
- Prescription Drugs
- Psychotic Drugs
- Rehabilitation Services
- Second Surgical Opinion
- Smoking Cessation
- Well-Child Care
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Adopted Children
- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Dependent Students
- Handicapped Dependents
- Newborns
- Non-Custodial Children
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- Grandchildren
- Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Chiropractors
- Nurse Anesthetists
- Nurse Midwives
- Nurse Practitioners
- Nurses
- Professional Counselors
- Psychiatric Nurse
- Psychologists
- Social Workers
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- Acupuncturists
- Chiropodist
- Dentists
- Denturists
- Dieticians
- First Nurse Assistant
- Lay Midwives
- Licensed Health Professional
- Marriage Therapists
- Massage Therapists
- Naturopaths
- Occupational Therapists
- Opticians
- Optometrists
- Oral Surgeons
- Osteopaths
- Pain Management Specialist
- Pastoral Counselor
- Pharmacists
- Physical Therapists
- Physician Assistants
- Podiatrists
- Public or Other Facilities
- Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in North Dakota.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for North Dakota residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across North Dakota.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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