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The Comprehensive Health Association of North Dakota (CHAND)


Benefits Plans

CHAND offers a major-medical benefit plan to individuals enrolling as Traditional, HIPAA and TAARA subscribers, as well as two Supplement plans for individuals that are Age 65 and Over or Disabled.

Rates

Learn About CHAND Plans

Traditional Brochure
HIPAA Brochure
TAARA Brochure
Standard Supplement Brochure
Basic Supplement Brochure

Major Medical Coverage Options

$500 Deductible without Chiropractic
$500 annual deductible with 80% benefit allowance up to the $3,000 annual out-of-pocket maximum, then 100% of allowed benefits. Prescription drug coverage is included.

$1,000 Deductible without Chiropractic
$1,000 annual deductible with 80% benefit allowance up to the $3,000 annual out-of-pocket maximum, then 100% of allowed benefits. Prescription drug coverage is included.

$500 Deductible with Chiropractic
$500 annual deductible with 80% benefit allowance up to the $3000 annual out-of-pocket maximum, then 100% of allowed benefit. Prescription drug and chiropractic coverage are included.

$1,000 Deductible with Chiropractic
$1,000 annual deductible with 80% benefit allowance up to the $3,000 annual out-of-pocket maximum, then 100% of allowed benefit. Prescription drug and chiropractic coverage are included.

Supplement Plans

CHAND offers two plans to individuals Age 65 and Over or Disabled, as supplements to Medicare A and B. Individuals Age 65 and Over or Disabled, who are eligible for Medicare A and B may also enroll as a Traditional subscriber on one of the major medical plans.

Basic Supplement
Medicare Part A coinsurance plus coverage for 365 days after Medicare benefits end; Medicare Part B coinsurance (20% of Medicare approved expenses); three pints of blood each year. No prescription drug coverage.

Standard Supplement
Medicare Part A coinsurance and deductibles plus coverage for 365 days after Medicare benefits end; Medicare Part B coinsurance (20% of Medicare approved expenses) plus Part B excess charges at 100%. Also includes skilled nursing coinsurance, foreign travel emergency coverage and benefits for three pints of blood each year. No prescription drug coverage.