Comprehensive Health Association of North Dakota (CHAND)

→ Click here to view CHAND rates

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from the state high-risk pool, Comprehensive Health Association of North Dakota (CHAND). Note:

• CHAND prohibits pre-existing condition exclusion periods and elimination riders
• CHAND is your only guaranteed source of individual health insurance

HIPAA Eligibility

To be HIPAA eligible in North Dakota, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does CHAND coverage cost?

CHAND charges different rates based upon the plan chosen and applicant’s age. North Dakota law caps CHAND premiums at 135% of what a healthy person would pay for a similar plan sold by a private insurer. Click here to view CHAND rates.

CHAND Coverage Highlights

• Lifetime limit of $1 million
• CHAND offers three plans, all with 70/30 co-insurance:
  • Two deductibles: $500 or $1000
  • $3000 annual out-of-pocket limit
  • 80/20 coinsurance after deductible
• Benefits include hospital care, physician care & prescription drugs

How can I be insured with CHAND?

For enrollment information, visit the Comprehensive Health Association of North Dakota online at www.chand.org , or call (800) 737-0016.

Special insurance for children: Healthy Steps

A family of four making up to $28,920 a year may be eligible for Healthy Steps.

• Do you qualify? Visit Eligibility
• To discover what's covered visit Benefits Information
• Questions? View their FAQs, or call (877) 543-7669