North Dakota

The following information details health insurance and assistance programs available to uninsured people in North Dakota. If you currently have health insurance or have just lost health insurance coverage within the past 60 days, visit the health insurance section of our Web site for options available to you.

North Dakota Department of Insurance - (800) 247-0560
In North Dakota, state law allows health insurance companies to turn people down for individual health insurance coverage based on the status of their health. In most cases, diabetes is considered an “uninsurable” condition. Even though you can be turned down for an individual policy in North Dakota, you can never be turned down for health insurance that is offered through an employer.

If you are having a problem with your state-regulated health plan and you are unable to resolve it with the plan directly, file a complaint with the Department of Insurance. They may be able to provide you with assistance in reaching a conclusion.

North Dakota Medicaid - (800) 755-2604
Medicaid is available to anyone who meets income and eligibility criteria. Even if your income meets the criteria, you must fall into one of the eligibility categories in order to qualify. Contact your state Medicaid program for more information.

Comprehensive Health Association of North Dakota (CHAND) - (800) 737-0016
CHAND is the North Dakota state high-risk pool. This program allows individual health insurance policies to be sold to people who might otherwise be considered “uninsurable” because of a chronic illness. Premiums may be high, and a pre-existing condition period may apply. Contact CHAND for more information.

Healthy Steps - State Children’s Health Insurance Program - (800) 755-2604
Healthy Steps is the health insurance program designed to provide coverage to children and teens under age 19 whose families may have too great an income to qualify for Medicaid, but who may not be able to afford health insurance. Visit the Web site to find out if you or your child meets the income guidelines.

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