Health Insurance

Health insurance is a contract between you and an insurance provider that offers financial coverage for a variety of healthcare expenses. In exchange for regular premium payments, health insurance can help cover medical costs, including doctor visits, hospital stays, prescription medications, preventive care, and more. It provides a safety net for you and your family in the event of injury, illness, or medical emergencies.


  1. Comprehensive Medical Coverage: Health insurance provides coverage for a wide range of medical expenses, including doctor visits, hospitalization, surgery, prescription medications, and preventive care.
  2. Choice of Healthcare Providers: Policies can provide flexibility to choose healthcare providers, hospitals, and specialists within your insurance network, ensuring access to quality care.
  3. Preventive Services: Health insurance often includes coverage for preventive services, such as vaccinations, wellness check-ups, and screenings, which can help identify and prevent health issues.
  4. Emergency Care: In the event of a medical emergency, health insurance can provide coverage for emergency room visits, ambulance services, and urgent care.
  5. Prescription Drug Coverage: Many health insurance plans include coverage for prescription medications, ensuring that you can access necessary drugs to manage your health.
  6. Mental Health Services: Health insurance can cover mental health and behavioral services, offering support for individuals facing mental health challenges.

Medicare Supplements

Medicare supplements, or Medigap plans, are supplementary insurance policies designed to work alongside your Original Medicare coverage (Part A and Part B). These plans help cover the “gaps” in your Medicare benefits, including deductibles, copayments, and coinsurance. Medicare supplements are offered by private insurance companies and are regulated by federal and state laws.


  1. Comprehensive Coverage: Medicare supplements enhance your Medicare coverage, providing financial support for out-of-pocket expenses like copayments, deductibles, and coinsurance.
  2. Choice of Providers: You have the flexibility to choose from a vast network of healthcare providers, ensuring you can receive care from the doctors and specialists you trust.
  3. No Referrals Required: With Medicare supplements, you generally don’t need referrals to see specialists, and you can seek care from any healthcare provider that accepts Medicare.
  4. Nationwide Coverage: Medicare supplements provide coverage nationwide, allowing you to access healthcare services, even when traveling outside your home state.
  5. Portability: Your Medicare supplement plan stays with you even if you move to a different location or state, offering continuity in your healthcare coverage.
  6. Guaranteed Renewal: Medicare supplement plans are guaranteed renewable, ensuring you can maintain your coverage for as long as you pay your premium.

*We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all your options.

Medicare Advantage Plans

Medicare Advantage plans provide a comprehensive and all-in-one approach to healthcare coverage, offering additional benefits and services beyond what’s covered by Original Medicare (Part A and Part B). These plans are designed to simplify your healthcare experience and can provide you with a wide range of services, often including prescription drug coverage, dental, vision, and wellness programs.


  1. All-In-One Coverage: Medicare Advantage plans offer hospital (Part A) and medical (Part B) coverage in a single plan, streamlining your healthcare benefits.
  2. Additional Benefits: These plans often include added benefits like prescription drug coverage, dental, vision, hearing services, wellness programs, and even fitness memberships.
  3. Choice of Providers: You can choose from a network of healthcare providers or access care from out-of-network providers, offering flexibility in your choice of doctors and specialists.
  4. No Referrals Required: In most cases, referrals are not needed to see specialists, making it easier to access the care you need.
  5. Low Out-of-Pocket Costs: Medicare Advantage plans often provide competitive premium rates and lower out-of-pocket costs for covered services, helping you manage your healthcare expenses.

*We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all your options.

Supplemental Benefits (Individual or Worksite)

Supplemental benefits plans, also known as supplementary or ancillary benefits, are insurance policies that offer additional coverage beyond what your primary insurance may provide. These plans can help you cover expenses that might not be fully covered by your standard health, life, or disability insurance.


  1. Customizable Coverage: Supplemental benefits plans come in various forms, such as critical illness, accident, hospital indemnity, dental, vision, cancer, and more. You can tailor your coverage to your specific needs.
  2. Affordable Premiums: These plans typically have lower premiums compared to primary insurance, making them a cost-effective way to increase your financial protection.
  3. Cash Benefits: Many supplemental plans provide cash benefits directly to policyholders. This allows you to use the funds as needed, whether for medical expenses, household bills, or other financial obligations.
  4. No Network Restrictions: Unlike some primary insurance plans, supplemental benefits often do not have network restrictions, giving you the freedom to choose any healthcare provider or facility.

Contact Us Today


Corporate Office

Farmers Union Service Association, LTD,
1415 12th Ave SE
PO Box 2020
Jamestown, ND 58402

National Sales OFfice

Farmers Union Insurance
3801 Memorial Hwy Ste. C.
Mandan, ND 58554

Insural Insurance Office

4600 Kietzke Lane A-107
Reno, NV 89502

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Insural Insurance Solutions


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