Do you need health coverage?
North Dakota Navigators can help you find and enroll in health insurance. Our assisters are local, unbiased, and helping to break down barriers to care. We are trained to understand the details so that you don’t have to, making the enrollment process easier and teaching you how health insurance works. We want all North Dakotans to have better access to healthcare.
For more information about affordable healthcare plans or to request enrollment assistance, call us at 1-800-233-1737
or locally at 701-858-3580.
You can also email us at: NDNavigators@MinotStateU.edu
Health insurance can be confusing, overwhelming, and expensive.
You may have heard of Medicaid, Medicare, the Health Insurance Marketplace (or just Marketplace), Indian Health Services (IHS), or commercial insurance carriers. But most people don’t know the difference between them. How does a family know if they can get Medicaid or Medicare? What even is the Marketplace? Is it cheaper than other plans?
There are so many different kinds of insurance out there, it’s hard to sort through everything. Our Navigator team has spent the last few years training and researching all the options so that you don’t have to. The best part is, we’re paid for by federal grant dollars. So we will never sell you anything. The plan you sign up for should be the best coverage for your and your family, period. We have no bias towards you getting Medicaid Expansion, private plans, Marketplace or any other coverage. We just help you find something affordable that will provide the health care you need. AND we can help you through all the paperwork to get signed up.
What if you’ve never understood how health insurance works at all? Why do I need it?
We can explain all of the confusing health insurance terms, like deductible and copay, and how they affect what you will get billed for. We want everyone to have a coverage, but also know how to use its full potential. Everyone deserves affordable healthcare and we want to help remove as many barriers as we can. For additional information on how health insurance works, visit our Health Literacy page.
Why should I have health coverage?
With health insurance you can go to a doctor without worrying about paying full price for your medical bills. Most plans offer free preventive care such as annual checkups, age-based screenings, certain vaccines, and mental health services, but other coverage can vary by plan. You may not be sure if a private plan is going to cover your healthcare needs.
Health insurance coverage can come from a variety of sources, including: your employer, private insurance companies, the Marketplace, Medicare, Medicaid, or Children’s Health Insurance Plans (CHIP). Plans have different costs and cover different services. Programs such as North Dakota Medicaid and the Children’s Health Insurance Program (CHIP) have income limits, while Marketplace plans have eligibility rules. Even if you use IHS, having additional health insurance can help you get easier access to health care. For additional information about health insurance for American Indian/Alaska Natives, visit our Tribal page.
North Dakota Navigators can help answer health insurance questions and help you find and enroll in coverage.
Our team is trained to understand the details of all your options so that you don’t have to. We can explain confusing terms, such as coinsurance, and how they will affect your costs. We can sit right beside you and help compare plans so you can be confident in your selection. We can also assist remotely with all or part of your insurance application to work around your schedule or location.
ND Navigators are a grant-funded, local, and unbiased service. We are here to help break down some of the barriers to health by making the enrollment process easier, giving you and your family better access to essential healthcare.
Where are we located?
We are located all over North Dakota!
Our main office is centrally located at the North Dakota Center for Persons with Disabilities on the Minot State University campus. We have team members in Minot, Fargo, Bismarck, Riverdale and Belcourt. Navigators travel to the rural areas of their region offering in-person services no matter where you live, or can meet virtually or over the phone.
Minot State University
Memorial Hall 203
500 University Avenue West
Minot, ND 58707
Not sure what plans you qualify for?
Enter some basic details into this calculator to see what plans you qualify for and a rough estimate of the monthly premium cost.
North Dakota Navigator StafF
Cheryl Coyle
Project Director, Certified Navigator North Central region
701-858-3052
Cheryl.Coyle@MinotStateU.edu
Zachery King
Certified Navigator,
Tribal Liaison
701-858-3601
Zachery.King@MinotStateU.edu
Paula Burckhard
Certified Navigator
Northwest region
701-858-3071
Paula.Burckhard@MinotStateU.edu
Shawn Lisa Charging
Certified Navigator,
Tribal Liaison
701-858-3602
Shawn.Charging@MinotStateU.edu
Madesyn Holm
Certified Navigator, Marketing Support
Northeast region
701-858-3011
Madesyn.Porterfield@MinotStateU.edu
Dawn Olson
Certified Navigator
701-858-3603
Dawn.D.Olson@MinotStateU.edu
Ethan Webster
Certified Navigator
Southeast region
701-858-3877
Ethan.Webster@MinotStateU.edu
Fargo Family HealthCare
Fargo, Cass County, ND
701-551-7530
Cheryl.Coyle@MinotStateU.edu
Vanessa Rovig
Certified Navigator
South Central region
701-858-3467
Vanessa.Rovig@MinotStateU.edu
Nicole Thompson
Certified Navigator
Southwest region
701-858-3109
Nicole.Thompson.1@MinotStateU.edu
Kristin Michels
Marketing Specialist,
Certified Navigator
701-858-3821
Kristin.Michels@MinotStateU.edu
For more information about affordable healthcare plans or to request enrollment assistance, call us at 1-800-233-1737
or locally at 701-858-3580.
You can also email us at: NDNavigators@MinotStateU.edu
Health Insurance Marketplace
This grant is supported by the Centers for Medicare and Medicaid Services (CMS) of the U.S. Department of Health and Human Services (HHS) as part of a financial assistance award totaling $ 1,250,000 with 100 percent funded by CMS/HHS. The contents are those of the author(s) and do not necessarily represent the official views of, nor an endorsement, by CMS/HHS or the U.S. Government.