Medicare Advantage Plans in Wells County, ND:
Your Complete 2025 Guide
Discover 16 Medicare Advantage plans in Wells County for 2025. These plans combine your Medicare Part A and Part B benefits into one convenient plan, and may offer additional benefits such as dental, hearing and/or vision and/or fitness. There may not be a plan in your area that has all of these benefits in one plan.
Take a look at the options below, or contact a licensed insurance agent from HealthCompare at 833-748-3201 (TTY 711) Mon-Fri 5am-6pm, Sat 6am-5pm PST for personalized assistance.
Types of Medicare Advantage Plans in Wells County, ND
With 16 Medicare Advantage plans available in Wells County, it’s easier than ever to find one that meets your healthcare needs. However, there are no 5-star plans available this year. Your 2025 options include:
- Preferred Provider Organization (PPO) Plans: These plans (8 available) offer flexibility with out-of-network care at a higher cost. The average monthly premium for these plans is $39.50.
- Special Needs Plans (SNP): These are highly specialized Medicare Advantage plans for individuals with special healthcare needs. We organize these plans here: Medicare Special Needs Plans in Wells County, ND.
Preferred Provider Organization (PPO) Medicare Advantage Plans
Preferred Provider Organization (PPO) plans give you the flexibility to seek care from both in-network and out-of-network providers. While out-of-network care may come with higher costs, PPO plans are ideal for those who prefer more choices in managing their healthcare.
Medicare Advantage PPO Plan Options
| Plan Name | Rating* | Premium/Mo | MOOP | Rx Ded. |
|---|---|---|---|---|
| Aetna Medicare Platinum | $0 | $4,500 | $590 | |
| NextBlue Classic PPO | $0 | $5,500 | $340 | |
| NextBlue Freedom PPO | $0 | $5,500 | N/A | |
| NextBlue Premium PPO | $73 | $4,500 | $240 | |
| Humana USAA Honor Giveback | $0 | $4,900 | N/A | |
| HumanaChoice H5216-088 | $101 | $4,900 | $590 | |
| Aetna Medicare Elite | $0 | $5,000 | $590 | |
| Aetna Medicare Enhanced Select | $142 | $4,500 | $250 | |
| * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. | ||||
- Out-of-Network Costs: PPO plans allow you to see out-of-network providers, but this flexibility often comes with higher costs. Be sure to evaluate how much extra you'll need to pay if you prefer to see providers outside of the plan's network.
- Provider Network: Make sure your preferred doctors and specialists are in the plan's network to keep your costs lower. If you value the ability to choose providers freely, confirm the plan's network coverage meets your needs.
- Premiums and Out-of-Pocket Maximums: Compare the monthly premiums and out-of-pocket maximums across plans. Higher premiums might offer more coverage, but consider whether the additional benefits justify the cost for your situation.
- Additional Benefits: Many PPO plans offer extras like dental, vision, and/or fitness programs. Assess which additional benefits matter most to you and how they align with your healthcare needs. There may not be a plan in your area that has all of these benefits in one plan.
How and When to Enroll in a Medicare Advantage Plan
Enrolling in a Medicare Advantage Plan in Wells County means understanding your enrollment options. Whether you’re turning 65 or considering a plan change, knowing when and how to enroll ensures that you get the coverage that best fits your healthcare needs.
When to Enroll
- Initial Enrollment Period (IEP): Your first opportunity to enroll in Medicare begins three months before your 65th birthday and ends three months after. This is when you can choose your Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people who are currently enrolled in a Medicare Advantage plan can switch to a new one or return to Original Medicare if necessary. Learn more
- Annual Enrollment Period (AEP): From October 15 to December 7, you can review and adjust your Medicare coverage for the next year. Learn more
- Special Enrollment Periods (SEPs): You may qualify for a SEP due to life changes like relocation or losing other coverage, allowing you to make plan changes outside the typical enrollment periods. Learn more
How to Enroll
- Consult a Licensed Agent: Speak with a licensed health insurance agent from HealthCompare 1-833-748-3201 (TTY 711) (Mon-Fri 5am-6pm, Sat 6am-5pm PST) for personalized guidance..
- Contact the Plan Provider Directly: Visit the plan provider’s website or call their customer service team to start the enrollment process.
- Use Medicare.gov: Compare plans and enroll online through the official Medicare website at Medicare.gov.
Understanding Medicare Advantage: Frequently Asked Questions
What types of Medicare Advantage plans are available?
Medicare Advantage plans come in different types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), and Special Needs Plans (SNPs). Each plan type offers different levels of flexibility in choosing healthcare providers and services.
Do Medicare Advantage plans cover prescription drugs?
Many Medicare Advantage plans, known as Medicare Advantage Prescription Drug (MAPD) plans, include prescription drug coverage. These plans bundle Medicare Parts A, B, and D into one plan. However, not all Medicare Advantage plans include drug coverage, so it's important to check before enrolling.
Are there any additional costs with Medicare Advantage plans?
While Medicare Advantage plans often have lower premiums than Original Medicare, you may still have out-of-pocket costs such as copayments, coinsurance, and deductibles. The costs can vary depending on the specific plan and services you use.
Key Enrollment Questions for Medicare Advantage Plans
Can I join a Medicare Advantage plan outside of the standard enrollment periods?
In most cases, you need to enroll in a Medicare Advantage plan during the standard enrollment periods, such as the Initial Enrollment Period (IEP), Annual Enrollment Period (AEP), or Medicare Advantage Open Enrollment Period (MA OEP). However, Special Enrollment Periods (SEPs) may allow you to enroll outside of these windows if you qualify.
What should I consider before enrolling in a Medicare Advantage plan?
Before enrolling in a Medicare Advantage plan, consider factors such as the plan's network of providers, out-of-pocket costs, and any additional benefits like dental or vision coverage. It’s also important to ensure that your preferred doctors and hospitals accept the plan.
How do I disenroll from a Medicare Advantage plan?
You can disenroll from a Medicare Advantage plan during certain enrollment periods, such as the Annual Enrollment Period (AEP) or Medicare Advantage Open Enrollment Period (MA OEP). You may also be able to disenroll during a Special Enrollment Period (SEP) if you qualify based on specific life events.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Harvey, and all other areas of Wells County, North Dakota.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.