- Campus Offices
- Continuing Medical Education
- Degree Programs
- Education Resources
- Indians Into Medicine
- Interprofessional Education
- Library Resources
- Residency Programs
- Areas of Research
- Grant Resources
- Research Experience for Medical Students (REMS)
- Research Centers
- Center for Comparative Effectiveness Analytics
- Center for Health Promotion and Prevention Research (CHPPR)
- Center for Neurodegenerative Disorder Research
- Center of Biomedical Research Excellence in the Epigenomics of Development and Disease
- Center of Excellence for Host-Pathogen Interactions
- North Dakota IDeA Network of Biomedical Research Excellence (INBRE)
- Rural Health Reform Policy Research Center
- Seven Generations Center of Excellence in Native Behavioral Health
- Clinical Centers
- Service Centers
- Center for Rural Health
- Fetal Alcohol Syndrome Center
- Mobile Simulation (SIM-ND)
- National Indigenous Elder Justice Initiative
- National Resource Center on Native American Aging
- North Dakota Area Health Education Center (AHEC)
- North Dakota Tobacco Quitline
- Rural Health Information Hub (RHIhub)
- Rural Surgery Support Program
- Simulation Center (ND STAR)
- New Building
- About Us
- Altru Health System
- Fargo VA Health Care System
- Sanford Health
- Essentia Health-Fargo
- Essentia Health-Park Rapids
Salary and Benefits
- PGY 1: $57,267
- PGY 2: $59,330
- PGY 3: $61,465
- PGY 4: $63,678
- PGY 5: $65,968
Professional Liability Coverage
The UND School of Medicine and Health Sciences provides professional liability insurance coverage for physicians and medical residents performing medical procedures as part of their educational program. Physicians and medical residents who perform medical procedures or practice medicine outside of their educational program are not covered under the policy.
From time to time, medical residents will perform procedures at facilities outside the medical school. Such activities may be compensated or uncompensated, but unless the medical resident involved in such activity has received prior approval from his or her Program Director, such activity will not be considered as within the parameters of the resident's program, and the resident will not be within the coverage of the medical school liability policy.
Medical residents who anticipate performing medical procedures at facilities outside the medical school should request approval from their Program Director. Such approval will not be withheld unreasonably if the activity is, in the sole discretion of the Program Director, an essential activity relevant to the resident's program.
Limits of Liability
- CSL Each Occurrence: $1 million aggregate
- Institutional Professional Liability: $1 million limit per medical incident
- Physician Professional Liability: $1 million limit per medical incident
Resident Disability Insurance
Cost to Resident
No charge. Premium is paid by the School of Medicine and Health Sciences.
Disability insurance coverage begins on your first day of employment.
Definition of Disability
You are disabled from your own occupation if, as a result of sickness, accidental bodily injury, or pregnancy, you are either:
- Unable to perform with reasonable continuity the material duties of your own occupation; or
- Unable to earn more than 80 percent of your Indexed Predisability Earnings while working in your own occupation.
Disability Waiting Period
Disability payment begins after 90 days of continuous disability. You will begin to accrue days towards this waiting period from the date you become disabled (usage of sick leave has no effect on the waiting period).
Disability Payment Coverage Amounts
- 1st & 2nd Year Residents — $ 2,000 per month
- 3rd Year and Higher Residents — $ 3,000 per month
All residents leaving the program have the option to continue disability insurance coverage at their own expense. This must be done within 61 days of the resident leaving the UND program. You must be a citizen or a resident of the United States or Canada and have been on the UND group plan for at least 12 months to use this conversion option.
Exclusions and Limitations
- You are not covered for a disability caused or contributed to by a war.
- You are not covered for a disability caused or contributed to by an intentionally self-inflicted injury.
You are not covered for a disability caused or contributed to by a pre-existing condition (please ask for additional information to clarify specific situations).
Resident Health Insurance
Cost to Resident
No charge. Both single and family plan premiums are paid by the UND School of Medicine and Health Sciences.
Health insurance coverage will be effective immediately on the first day of employment.
- Your spouse, under a legally existing marriage between persons of the opposite sex.
- Your unmarried children, or those of your living, covered spouse, who are under the age of 22 years who are financially dependent on you or your spouse. Children are considered under the age of 22 until Dec. 31 of the year in which the child becomes 22 years of age. Newborn children are covered dependents from birth under an SPD or Family contract. Please ask for additional information concerning all child coverage definitions.
Changes in Coverage
You are responsible for notifying the UND School of Medicine and Health Sciences of any and all status changes within 31 days of such change.
Benefit Period Definition
Calendar year (Jan. 1 through Dec. 31)
This contract applies a deductible amount to all covered services except accident care, pre-admission testing services, outpatient surgery procedures included in the Outpatient Surgery Incentive Program, home IV or antibiotic therapy, and second surgical opinion services. In addition, the deductible amount is waived for initial inpatient newborn care during the first 30 days of life.
- Single (Individual) — $100 per benefit period
- Family — $200 per benefit period
Coinsurance Maximum Amounts
The coinsurance applied to many of the covered services is 80 percent. Ask for additional information on coinsurance policies.
- Single (Individual) — $650 per benefit period
- Family — $1300 per benefit period
Maximum Deductible and Coinsurance Amounts for One Benefit Period
- Single (Individual) — $750 per benefit period
- Family — $1,500 per benefit period
Maximum Lifetime Benefit
$2,000,000 per Member
COBRA is the federal law that entitles a member who becomes ineligible for coverage under the UND School of Medicine and Health Sciences to continue health insurance coverage at their own expense. Please ask for further information.