What’s The Difference Between Medicare Supplements And Medicare Advantage?

Original Medicare with supplemental insurance? Or, Medicare Advantage? When it comes time to enroll in Medicare, these are options you’ll have. What’s the difference? Read on. Original Medicare + Medicare Supplement Medicare Parts A and B are offered by the federal government. They cover hospital and medical costs. But they don’t cover all costs. For…
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High Blood Pressure: Why What You Don’t Know Could Be Life-Threatening

According to the Centers for Disease Control and Prevention, about 75 million American adults have high blood pressure (aka hypertension). That’s 1 in every 3 adults. And only about half of people with high blood pressure have it under control. What’s more, the American Heart Association reports hypertension is a primary or contributing cause in…
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Why Insurance Premiums Rise

Every year it seems we spend more of our hard-earned money on health care, including insurance premiums. For most of us, the upcoming year will be no different. How your rates are determined Insurance premiums are a direct reflection of the actual costs of covering for those who are enrolled. In North Dakota, rates are…
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A Sit-Down With A Customer Service Rep

I recently convinced one of our customer advocates, Sarah, to leave her phone and talk with me about the Customer Contact Center (BCBSND’s customer service center). Here’s what she shared. Me: Is there a main service philosophy that drives your team? Sarah: There’s a banner in our department that says, “Culture of Care,” and that…
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3 Resources To Help You Find The Right Health Plan

Now through December 15, 2017, people who do not have health insurance through their workplaces can shop for or change their coverage for 2018. There are a number of options to choose from. They include: Traditional plans where you set the copay for services and prescriptions. With this type of plan, you typically pay more…
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