Noridian Health Insurance Review – Benzinga


Coverage in all 50 states? Nope
# of plan options 3

Noridian offers three plans in North Dakota: Medicare Advantage, Medicare Supplement plans, and standalone prescription drug plans.

Medicare Advantage Plans

For its Medicare Advantage plans, Blue Cross Blue Shield of North Dakota uses the NextBlue brand of North Dakota. BCBSND’s NextBlue of North Dakota Medicare Advantage PPO plans offer two options:

  • NextBlue Classic PPO: Additional features and nationwide coverage for traveling members are included in NextBlue Classic PPO, a $0 premium plan.
  • NextBlue Premium PPO: In addition to prescription drug coverage, NextBlue Premium PPO provides hearing, vision, dental care and a range of other benefits.

Medicare supplement plans

Medicare supplement plans provide benefits to supplement original Medicare. These plans do not cover all costs paid by Original Medicare. The only difference between carriers is the cost of these plans and whether the insurer offers additional benefits or coverage. These plans are standard for all carriers.

A, G, C, F, L, and N are the six Medicare supplement plans offered by BCBSND. Those who were eligible for Medicare before the end of 2019 are eligible for Plan F, which offers the most coverage. Although there is no difference in Medigap plan benefits, there may be differences in plan cost and additional benefits.

Stand-alone drug plans

Medicare doesn’t cover all prescription drug costs, which is where stand-alone prescription drug plans (PDPs) come in. They are associated with the original Medicare Parts A and B and Medicare Supplement (Medigap) policies and do not provide additional medical coverage. or benefits.

MedicareBlue Rx PDPs are available to BCBSND members in two tiers: Standard and Premier. While most people take generics, the Premier plan is best suited for those who also take brand name medications.

Although both plans cover generic, brand name and specialty drugs in a national network of pharmacies and both have deductibles, Standard has lower premiums but has a deductible; Premier has higher premiums and no deductible, which probably makes it the best choice for people who take more prescription drugs. Chains like CVS and Walmart have lower co-pays because they are drug store favorites. Prescriptions can be ordered through CVS Caremark and delivered to members’ homes.

According to the National Association of Insurance Commissioners (NAIC), in 2018 and 2020 BCBSND received no complaints regarding any of its insurance products. An overall complaints index of 0.08 was recorded in 2019 by the BCBSND, which received four complaints. Of the four complaints, only one was related to the Medicare Supplement line of business (with a complaint index of 0.03) while the other three were for non-Medicare participants in the individual accident and health category.

BBB rating A+
AM Highest rating No rating
NAIC Complaint Index 0.08
Rating from Moody’s N / A
Rated power JD N / A

NextBlue PPO and MedicareBlue Rx rates are included in BCBSND Medicare Advantage PPO plan prices for 2022.

The prices for NextBlue Classic PPO are:

  • Prescription drug co-pay of $250 per year
  • Annual deductible limit of $6,000
  • Prescription drug co-pay of $250 per year
  • $20 co-payments on basic care appointments; $40 co-payments on specialist visits
  • Telehealth visits starting at $0 copayment
  • Co-payments on specialist visits start at $2 per month

Pricing for NextBlue Premium PPO:

  • $69 monthly fee
  • $200 in annual drug deductibles
  • $4,250 in maximum annual disbursements
  • Zero co-payment for primary care
  • Primary care fee is $25
  • No cost for telehealth visits
  • There is no upfront cost for prescription drug co-payments.

You can use MedicareBlue Rx as part of your BCBSND PDP if you choose to have a stand-alone prescription drug plan (PDP).

Blue Cross/Blue Shield Rx costs for a typical PDP include:

  • $66.40 per month
  • $0 annual deductible
  • Co-payments from $1 to $29 for Tiers 1-3
  • Copies from $10 to $46 for levels 4 and 5

Levels 4 and 5 are subject to copayments of 31% with preferential pricing and 36% with standard pricing.

Prices for a PDP with MedicareBlue Rx Premier are:

  • $0 deductible for all month prescription plans
  • $0 co-payments for Tiers 1 and 2 with Preferred Pricing, but there is a $15 fee for Tier 1 and $20 for Tier 2 with regular pricing (between 17% and 45%, depending on drug level and whether there is preferential or standard pricing)

Age, sex and other characteristics, such as smoking, influence the price of the Medicare (Medigap) supplement.

Noridian’s application process is simple.

Read and agree to the following Terms and Conditions and Privacy Statement on the Noridian Medicare portal home page before clicking “Start Enrollment”.

The registration procedure consists of:

  • Enter personal information.
  • Sign into your account.
  • Answer security questions.
  • Confirm your account.
  • Full registration.

Conditions of eligibility for health insurance:

Before you can enroll in a Medigap (Medicare Supplement) plan, you must enroll in Medicare Parts A and B.

Medicare open enrollment is October 15 through December 7, but that’s not the case for people seeking Medigap coverage. The six-month open enrollment period for a Medigap policy begins the first day of the month after you turn 65 and are enrolled in Part B.

Your ability to obtain a Medigap policy beyond this period may be limited and it may be more expensive. Although each state handles things differently, several states have additional open enrollment periods.

Note: If you subscribe to a Medigap plan, it will automatically renew each year as long as you make your payments and the plan is still available.

Noridian prides itself on its efficient claims management. Effective claims management and payment systems save government healthcare programs millions of dollars and improve patient satisfaction. With approximately 265 million healthcare claims processed each year, Noridian optimizes outdated systems to bring efficiency and transparency to the process.

Noridian offers:

  • Payment of claims
  • Payment disputes
  • Document control
  • Coding Validation
  • Receipt of overpayments
  • Troubleshooting payment issues
  • Electronic Data Interchange (EDI)
  • Receipt imaging for incoming mail

Noridian vs Competitors

When comparing Medicare providers, a few things set Noridian apart, including its pricing and extensive network of preferred providers. Here’s how Noridian compares to the competition.

  • # of healthcare providers

    28k+

    securely through the Blue Cross Blue Shield Health Insurance website
  • # of healthcare providers

    See any doctor

    securely through the Sidecar Health Access Plan website

    The above plans are except fixed indemnity insurance products marketed and administered by Sidecar Health Insurance Solutions, LLC and underwritten by Sirius America Insurance Company or United States Fire Insurance Company, depending on the state. As an exceptional benefits plan, it does not provide full/major medical expense coverage, essential minimum coverage, or essential health benefits. You are not eligible for a subsidy (premium tax credit and/or reduction in co-payment) under the ACA in connection with your subscription to such a lump sum insurance scheme at benefits excluded. In addition, termination or loss of this policy does not entitle you to a special enrollment period to purchase a health insurance plan that qualifies as minimum essential coverage outside of an open enrollment period. Coverage and plan options may vary or may not be available in all states.

  • # of healthcare providers

    150k+

  • # of healthcare providers

    855k+

  • # of healthcare providers

    875k+

Blue Cross and Blue Shield of North Dakota have been in business since 1940 and are the operating company for Noridian Insurance in the state. Almost every health care provider in North Dakota participates, and that includes the most basic aspects of the Medicare program. BCBSND is a good option for customers looking for a well-established local plan with in-depth knowledge of Medicare processes.

Frequently Asked Questions

Q

What types of insurance does Noridian offer?

A

Health, dental and life insurance are all available through the company’s brands, including North Dakota’s Blue Cross Blue Shield, which in 2012 had 96% of the state’s health insurance market.

Q

Am I automatically enrolled in Medicare?

A

Most people are automatically enrolled in Medicare when they turn 65 or start collecting disability benefits. Contact Social Security if you have not received an enrollment notice.


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