Blue Cross Blue Shield of North Dakota (BCBSND)
Do you live in North
Dakota and need individual health insurance? Blue
Cross Blue Shield of North Dakota provides coverage to
the largest group of residents in the state, while proudly
upholding the ideals of the Blue Cross Blue Shield name. The
company’s mission is to provide the best value in health
insurance to its members. For you, this translates into quality
health insurance at a price you can afford.
Americans know that the price of healthcare
is constantly rising. In your search for the right plan to
fit your needs, you are not alone – there are many other
people who realize the importance of such an investment. Health
insurance protects the financial security of individuals and
prepares them for an unexpected illness or injury. BCBS of
ND understands that no two people are alike, and they offer
a large selection of plans to cater to your needs. Make the
choice for health coverage an easy one with the help of BCBSND.
Blue Cross Blue Shield of ND offers many types of plans for
individuals and families.
BC/BS of ND Individual Health Plans
Personal Choice
Provides comprehensive
medical coverage with a lower annual premium. Benefits are
greater and easier when seeking care from a participating
BCBS provider. The deductible is considered only for inpatient
service, and the plan does not cover maternity services.
Personal Choice for Students
Offers comprehensive coverage to full-time students at a low
annual cost. When seeking care from a participating BCBSND
health care provider, benefits and ease of service are greater.
Deductibles are considered for inpatient service only. Maternity
coverage is not offered with this plan.
Comprehensive Major Medical
Targeted to cover the high costs related to a catastrophic
accident or illness. As of 2009, there are three plans offered, each with
different deductibles and coinsurance levels. Ease of service
is higher and more benefits are paid when care is received
from a BCBSND provider.
Blue Saver High Deductible Health Plan
Combines with a Health Savings Account (HSA) to provide a
lower annual premium and better control over healthcare costs.
As of 2009, there are two plans to choose from -- Blue Saver 80 and Blue Saver 100. The HSA is a tax advantaged
way to pay for your annual deductible and is similar to an
IRA, but for health instead of retirement.
Medicare Supplement Plans
Intended to help pay health costs that are not covered by
Medicare. There is a choice of three plans, each with its
own level of coverage.
Blue Cross
Blue Shield of North Dakota
is owned by Noridian Mutual Insurance Company, a not for profit
mutual insurance company.
BCBS of ND Office Location
4510 13th Avenue South
Fargo, ND 58121-0001
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