North Dakota Insurance Department
The North Dakota Insurance Department is responsible for regulating all types of insurance sold in the state of North Dakota -- including health insurance policies.
If you are looking for health insurance coverage, the Insurance Department can help you find an insurance agent or insurance company that is licensed to do business in North Dakota. You can search for a company online, or contact the Insurance Department for assistance.
If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Insurance Department. Find out more about the consumer complaint process online or go directly to the complaint form.
North Dakota Insurance Department
State Capitol, Fifth Floor
600 East Boulevard Avenue
Bismarck, ND 58505-0320
Phone: 701-328-2440 or 800-247-0560
Fax: 701-328-4880
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees -- for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage -- for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan -- contact your regional EBSA office.
U.S. Department of Labor Employee Benefits Security Administration
Kansas City Regional Office
2300 Main Street, Suite 1100
Kansas City, MO 64108
Steve Eischen - Director
Phone: 816-285-1800
Fax: 816-285-1888
Buying Individual Policies in North Dakota
As a general rule, insurers in North Dakota are allowed to reject your application for coverage based on your health status. However, you may qualify for coverage as a "HIPAA-eligible" individual if you:
- had at least 18 months of continuous creditable coverage, the last day of which was under a group plan AND
- you have exhausted all COBRA continuation coverage which was available to you.
People who are HIPAA-eligible are guaranteed the right to buy insurance through the Comprehensive Health Association of North Dakota (described below). If you are not sure whether you are a HIPAA-eligible individual, your insurance agent or the North Dakota Insurance Department can help you find out.
Comprehensive Health Association of North Dakota (CHAND)
CHAND offers coverage to individuals who are unable to purchase an individual health insurance policy because they have pre-existing health conditions. It also covers "HIPAA-eligible" individuals, as described above. The CHAND website has information on their eligibility requirements, as well as current premium rates.
Comprehensive Health Association of North Dakota (CHAND)
4510 13th Ave South
Fargo, ND 58121-0001
Phone: 701-277-2271
Healthy Steps - the State Children's Health Insurance Program
Healthy Steps provides health insurance coverage for children whose family income meets certain income guidelines.
North Dakota Healthy Steps
For Eligibility Questions:
Department 325
600 E. Boulevard Avenue
Bismarck, ND 58505-0250
Phone: 1-877-KIDSNOW (1-877-543-7669)
Email: soedij@nd.gov
For Benefit Questions:
Noridian Mutual Insurance
Phone: 800-342-4718
State Health Insurance Counseling Program (SHIC)
SHIC provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the Medicare Part D prescription drug benefit, or Medigap coverage.
North Dakota SHIC
North Dakota Insurance Department
State Capitol, Fifth Floor
600 East Boulevard
Bismarck, ND 58505-0320
Phone: 701-328-2440 or 888-575-6611 Fax: 701-328-4880
North Dakota Medicaid
Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals.
North Dakota Medicaid
North Dakota Department of Human Services
600 E Boulevard Ave, Dept 325
Bismarck, ND 58505-0250
Phone: 701-328-2321 or 800-755-2604
Fax: 701-328-1544
Email:dhsmed@nd.gov
