Insurance Networks Explained

Network Hospital graphicHealth insurance can be confusing. We’re here to help.

What is a network?

A NETWORK  is a group of doctors or medical facilities that provide services to a health insurance company’s members at a discounted rate.

As the largest health insurance company in the state, Blue Cross Blue Shield of North Dakota is able to negotiate favorable rates for its members with participating health care facilities.

If you see a doctor who is in your plan’s network, you will save money. You may pay higher out of pocket costs if you see a doctor who is not in your network, or who is not a participating provider.

Networks vary depending upon your insurance plan. Some networks require members to select a group of health care facilities to seek care.

Here is a description of how health insurance works.

Visit to find which doctors in your area are part of your network. Here are some tips to help you select a doctor for you and your family.

Please call the phone number on the back of your ID card if you have any questions.

Ryan Schuster is an editor in the Communications department at Blue Cross Blue Shield of North Dakota.