North Dakota's continuation requirements apply to all employers, regardless of size. The law requires group policies issued by any insurance company; nonprofit health service corporation; health maintenance organization; or any other insurer that provides hospital, surgical, or major medical expense insurance to provide that employees whose insurance under the group policy would otherwise terminate because of termination of employment are entitled to 39 weeks of continuation under the group policy for themselves and their eligible dependents.
To be eligible for continuation an employee and his or her dependents must have been continuously insured under the group policy and for similar benefits under any group policy that it replaced during the entire 3-month period ending with the termination. An employee or dependent who covered by Medicare or who first becomes covered any other insured or uninsured arrangement that provides group hospital, surgical, or medical coverage after the termination is not eligible for continuation.
Continuation need not include dental, vision care, or prescription drug benefits or any other benefits provided under the group policy other than hospital, surgical, and major medical benefits.