High call volumes

Our member and provider services may be experiencing higher than normal call volumes from 12/22/25-1/9/26 due to a large number of staff being out of office.  We encourage you to utilize alternative forms of communication including secured messaging through online Member Services and Availity Essentials Provider Portal.

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BCBSND district offices will be closed to the public on Friday, Dec. 26.

This includes Bismarck, Grand Forks, Jamestown and Minot. Need help? We’re here for you! Log in at BCBSND.me or call 844-363-8457.

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We are unable to accept walk-ins on Friday, Dec. 26, and Friday, Jan. 2., due to short staffing.


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The best Medicare plan for you: Plan L + Rx (Part D)

The recommended plan is the best fit based on a few questions. There are other personal circumstances that may change this recommendation, including receiving employer sponsored retiree benefits or having specific medical circumstances to consider. Please note that CMS will impose a penalty if you do not have prescription drug coverage (Part D). We strongly encourage you review all options with an agent before applying.

Plan L (2026)

More cost sharing with a cap on out-of-pocket costs

$165.30/mo*

(Does not include Rx Part D)
* Quote shown is for a 65-year-old female, non-tobacco user. Change

* Estimate displayed is only for Plan L coverage. Part D coverage is not included and can be quoted separately through MedicareBlue Rx.

Plan L overview

Medicare Supplement plan L offers basic coverage, but includes some cost sharing. For example, you pay 25% of the cost for several benefits, such as your Medicare Part A deductible or Medicare Part B coinsurance and copayments. Medicare Supplement Plan L, however, has an out of pocket limit after you pay your Medicare Part B deductible. Once you have paid your out-of-pocket limit, your supplement pays 100% of required coverage for the remainder of the calendar year.

Plan Features

  • 75% of your Medicare Part A deductible
  • Additional days of hospitalization (up to 365 days after benefits are used up)
  • 75% of Medicare Part B coinsurance or copayment
  • 75% of Medicare Part A hospice care coinsurance or copayment
  • Limit on your out-of-pocket expense 
  • SilverSneakers free health club membership and fitness program

Additional information

Download Plan L Brochure

View All 2026 Medicare Supplement Plans

Questions or ready to apply?

Find an agent or call 800-280-2583.

Monday-Friday 8:30 a.m.-4 p.m.

*Estimated Premium Costs

*The application you submit to Blue Cross Blue Shield of North Dakota, along with other information we may collect, is how we determine your eligibility for coverage and rates in effect at the time coverage is issued.

When and if a policy for you is approved, the actual rates may vary from the rates on this page, based on your specific application and additional information required by BCBSND to complete the application process. BCBSND reserves the right to change rates from time to time.