Align ChoicePlus (PPO)
North Dakota Medicare Advantage Plan (2025 Plan)
by Align powered by Sanford Health Plan
Additional Coverage
HearingVisionDental
Overall Government Star Rating
4.5
out of 5 stars
Insurance Carrier
Align powered by Sanford Health Plan
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Align ChoicePlus (PPO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in North Dakota and offered by the health insurance company Align powered by Sanford Health Plan. This plan’s network type is PPO which determines in-network doctors who accept the health plan and whether a referral is needed.
Primary doctor visit
$0 copay
Specialist visit
$0-50 copay per visit
ER visit
$90 copay per visit (always covered)
Align ChoicePlus (PPO) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $4,500 In and Out-of-network
$4,500 In-network. The most common benefit costs which people evaluate when choosing a plan are costs for a primary doctor visit, specialist doctor visit, emergency room visit, and ambulance. These costs are listed in this summary section and a full list of benefit costs for Align ChoicePlus (PPO) are defined below.
Yes
Part D Prescription Drug Coverage
Align ChoicePlus (PPO) is a Medicare Advantage plan which does include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Align ChoicePlus (PPO) includes coverage for hearing, vision, dental.
Medicare Advantage health plans can offer even more additional benefits. Align ChoicePlus (PPO) includes coverage for the following additional benefits:
Other benefits
Over the counter drug benefits
Home and bathroom safety devices
Each year the federal government evaluates the quality of Medicare Advantage and Part D Prescription Drug plans based on a 5-star scoring system. For 2025, Align ChoicePlus (PPO) received an overall government quality rating of 4.5 stars out of 5 stars.
Align ChoicePlus (PPO) performed better than North Dakota’s State average overall quality score of 3.8 stars.
This Plan’s 5-star Gov’t Quality Score
North Dakota State Average Score
Overall Government 5 Star Quality Rating
4.5
3.8
Summary rating of health plan quality
Staying healthy: screenings, tests, & vaccines
Managing chronic (long term) conditions
Member experience with health plan
Member complaints & changes in the health plan's performance
Health plan customer service
Summary rating of drug plan quality
Drug plan customer service
Member complaints & changes in the drug plan's performance
Member experience with the drug plan
Drug safety & accuracy of drug pricing
The government calculates an “Overall star rating” based on ratings for sub components including “Health plan star rating” and “Drug plan star rating”, which includes further subcomponents of each.
Align ChoicePlus (PPO) received 4.5 stars for its health plan quality score which is better than the North Dakota State average health plan quality score of 4.0 stars.
Align ChoicePlus (PPO) received 4 stars for its drug plan quality score which is better than the North Dakota State average drug plan quality score of 3.8 stars.
Health Portion of Premium
Health Plan Max Out-of-Pocket
$4,500 In and Out-of-network
$4,500 In-network
Nationwide Coverage included
Hearing Coverage included
Doctor Services
Primary doctor visit
In-network: $0 copay
Out-of-network: $10-90 copay or 20% coinsurance per visit
Specialist visit
In-network: $0-50 copay per visit
Out-of-network: $10-90 copay or 20% coinsurance per visit
Tests, labs, & imaging
Diagnostic tests & procedures
In-network: $0 copay
Out-of-network: $10-600 copay or 20% coinsurance
Lab services
In-network: $0 copay
Out-of-network: $10-600 copay or 20% coinsurance
Diagnostic radiology services (like MRI)
In-network: $0-375 copay
Out-of-network: $10-600 copay or 20% coinsurance
Outpatient x-rays
In-network: $15 copay
Out-of-network: $10-600 copay or 20% coinsurance
Emergency care
$90 copay per visit (always covered)
Urgent care
$45 copay per visit (always covered)
Hospital Services
Inpatient hospital coverage
In-network: $175 per day for days 1 through 4
$0 per day for days 5 through 90
Out-of-network: $350 per day for days 1 through 4
$0 per day for days 5 through 90
Outpatient hospital coverage
In-network: $40-200 copay per visit
Out-of-network: $10-600 copay or 20% coinsurance per visit
Skilled nursing facility
Skilled nursing facility
In-network: Coming soon
Out-of-network: Coming soon
Preventive services
Preventive services
In-network: $0 copay
Out-of-network: $0 copay
Ambulance
Ground ambulance
In-network: $240 copay
Out-of-network: $240 copay
Therapy services
Occupational therapy visit
In-network: $40 copay
Out-of-network: $10-90 copay or 20% coinsurance
Physical therapy & speech & language therapy visit
In-network: $40 copay
Out-of-network: $10-90 copay or 20% coinsurance
Mental health services
Outpatient group therapy with a psychiatrist
In-network: $15 copay
Out-of-network: $10-90 copay or 20% coinsurance
Outpatient individual therapy with a psychiatrist
In-network: $15 copay
Out-of-network: $10-90 copay or 20% coinsurance
Outpatient group therapy visit
In-network: $0 copay
Out-of-network: $10-90 copay or 20% coinsurance
Outpatient individual therapy visit
In-network: $0 copay
Out-of-network: $10-90 copay or 20% coinsurance
Opioid treatment services
Opioid treatment services
Other services
Durable medical equipment (like wheelchairs & oxygen)
In-network: 20% coinsurance per item
Out-of-network: 0-20% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: 0-20% coinsurance per item
Diabetes supplies
In-network: $0 copay
Out-of-network: 0-20% coinsurance per item
Tier drug costs for: Standard retail pharmacy drug cost for 1-month
| Tiers | Initial coverage phase | Catastrophic coverage phase |
|---|
| Preferred Generic | $4.00 copay | $0 copay |
| Generic | $10.00 copay | $0 copay |
| Preferred Brand | $47.00 copay | $0 copay |
| Non-Preferred Drug | 50% coinsurance | $0 copay |
| Specialty Tier | 31% coinsurance | $0 copay |
Part B Drugs
Chemotherapy drugs
In-network: $100 copay or 0-20% coinsurance
Out-of-network: 0-20% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance
Out-of-network: 0-20% coinsurance
Hearing
Hearing exam
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Hearing aids - All types
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Preventive Dental
Oral exam
In-network: $0 copay
Out-of-network: $0 copay
Cleaning
In-network: $0 copay
Out-of-network: $0 copay
Dental x-rays
In-network: $0 copay
Out-of-network: $0 copay
Comprehensive dental
Restorative services
In-network: $0 copay
Out-of-network: $0 copay
Endodontics
In-network: $0 copay
Out-of-network: $0 copay
Periodontics
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, removable
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, fixed
In-network: $0 copay
Out-of-network: $0 copay
Maxillofacial prosthetics
In-network: $0 copay
Out-of-network: $0 copay
Oral and maxillofacial surgery
In-network: $0 copay
Out-of-network: $0 copay
Adjunctive general services
Vision
Routine eye exam
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Contact lenses
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Eyeglasses (frames & lenses)
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Upgrades
In-network: $0 copay
Out-of-network: 0-50% coinsurance
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