Shoes for Kids program breaks fundraising record

The Shoes for Kids program, which donates free running shoes to kids in the Fargo-Moorhead community, raised a record total of more than $35,000 this year.

This year $1 was donated from each Fargo Marathon Friday Night 5K registration. Friday Night 5K co-sponsors Blue Cross Blue Shield of North Dakota and Discovery Benefits and the Dakota Medical Foundation matched donations to help provide shoes to local kids. Additional funds raised from the Run a Mile with Mark event and online donations helped push the total past $35,000.

The Shoes for Kids program donated 1,000 shoes to Fargo-Moorhead area elementary schools in both 2012 and 2013.

Like in years past, Fargo Marathon officials will deliver new Nike Pegasus running shoes to Fargo-Moorhead area elementary schools in late August.

As The Official Sponsor of Recess, we are proud to participate in the Shoes for Kids program. We believe that all children, regardless of their economic background, should have access to resources to help them get active. We support programs like this that help to remove barriers to help North Dakotans live healthier lifestyles.

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

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A look at how your premium dollars are spent

We often receive questions from members about how their insurance premiums are used. Here is an explanation.

Members pay us premiums in exchange for receiving health insurance coverage. If you receive insurance through your employer, your premium may be deducted from your paycheck or direct deposit.

In 2013, 92.7 percent of member premiums (or roughly 93 cents out of each premium dollar we collect) was used to pay for medical care and services used by our members. The rest went to pay for the cost of running the business, such as processing claims, taxes and regulatory fees (see breakdown below). Our administrative costs of 8.2 percent were among the lowest in the nation. If anything is left over at the end of the year, it is kept in reserves to pay for higher than anticipated medical claims. In 2013 we posted an operating loss, so we dipped into our reserves to make up the difference. But rest assured that our reserves remain adequate.

Calculating premiums
Financial losses from 2013 not associated with providing health insurance to members will not impact future member premiums. Premiums are set based on past and predicted future member medical claims and must be approved by the North Dakota Insurance Department. If premiums rise for some of our members in 2015, it will be because of increasing medical claims for those groups and individuals and anticipated higher claims for those people in the future. The primary driver of health insurance premiums is health care costs.

Pooling risk
Health insurance works by pooling risk to make coverage affordable to all those in the group. When you buy insurance from an employer or directly from an insurance company, you become part of a group depending on your plan and coverage selections. The premiums paid by all in the group are pooled together to cover the health care costs of everyone in the group. Some people in the pool may use more health care services than others, but by pooling resources together, it helps to keep insurance more affordable for all and increases purchasing power through discounts we negotiate with doctors and hospitals.

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

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Healthy lessons learned from Fargo Marathon 5K

A throng of participants of all ages and ability levels streamed through downtown Fargo on May 9 during the Fargo Marathon Friday Night 5K.

The 10th anniversary running of the 3.1-mile race returned the event to its downtown Fargo roots. Some of the 8,000 participants ran, while others walked the course that traversed two bridges spanning downtown Fargo and downtown Moorhead, Minn.

After a spirited event, the runners finished at Island Park. Those who stayed were treated to a free concert featuring the Johnny Holm Band.

We had a blast co-sponsoring the Friday Night 5K along with Discovery Benefits this year. It was great to see everyone getting outside and taking steps to improve their health.

Each year the Friday Night 5K provides an excellent example of how easy it can be to start your journey to better health. Every year there are some serious runners who train for months and then sprint the entire 3.1-mile course. But there are also numerous examples of kids running along with their parents, mothers pushing babies in strollers and friends and family members walking together. One West Fargo mom even walked the 5K while 9 months pregnant.

The Friday Night 5K shows us that you don’t have to be in top physical shape to go for a run or walk with several thousand of your closest friends. In fact, it shows that no matter your health or fitness level, you can start taking small, but important steps to improve your health and fitness today. No matter how slowly you walk, you’re already lapping the people sitting on the couch.

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

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How to choose running shoes









Runners have a number of things to consider when preparing for a run. Proper preparation, diet and an effective training plan are all essential. But it is also important for expert runners and novices alike to select running shoes that fit their running style and regimen.

Choosing the right shoes that fit your feet and provide the right amount of cushioning and support can help improve your performance and prevent injury. If you’re training or planning to compete in a running event, make sure to check your shoes for signs of wear and tear, inside and out. Don’t forget to select running shoes, not cross trainers or basketball shoes that are designed for running.

Watch a video with some tips for selecting running shoes that work for you and your workout routine.

Here are some more tips to help you select your next pair of running shoes:

  1. Make sure they fit
    Make sure the shoes provide enough cushioning, support and fit properly.
  1. Try on a few pairs of shoes before buying
    Don’t buy the first pair of shoes you try on. You should try on several different pairs of shoes before deciding. Be careful not to make your decision solely based on how the shoes look or if they are a particular brand.
  1. Seek out a knowledgeable salesperson
    Some stores employ running experts as salespeople. Ask the salesperson some questions to help find the right shoes for your running plan and situation.

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

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April is Alcohol Awareness Month

Many people are surprised to learn just how little alcohol is safe to consume daily without overindulging.

Alcohol Awareness Month

According to the National Centers for Disease Control and Prevention (CDC) guidelines, a safe amount of alcohol consumption for the average adult is one drink a day for women and two drinks a day for men.




Just what is a drink? One drink is:

  • 12-ounce bottle of beer
  • 5-ounce glass of wine
  • 1.5-ounce shot of liquor

The key to safely enjoying alcohol is moderation. Here are five tips to help you avoid becoming tipsy.

  1. Limit time with friends or at social events that trigger you to drink more than you should. If your one Friday post-work happy hour drink is turning into three, try signing up for a healthier way to unwind, like joining a running club or other fitness group, starting a book club or setting up a happy hour at a coffee shop that does not serve alcohol
  2. Sip, don’t swig. Alcoholic beverages are meant to be enjoyed for their taste, not their buzz factor. If it’s hard for you to take it slowly, try alternating sips of your drink with sips of water or opting for a non-alcoholic beverage altogether.
  3. Save your shots for the doctor’s office. Shots of alcohol are dangerous for many reasons, especially because their effects tend to sneak up on you.
  4. Eat. Fill your stomach with healthy proteins and carbohydrates that will keep you feeling full so that you don’t drink more than you need to.
  5. Reward yourself for limiting or eliminating your booze intake. Take pride in becoming the designated driver. You could just save a life or two! Spend the extra money you saved opting out of alcohol to buy a massage or new outfit. 

Drinking too much alcohol can increase your risk of health-related injuries, violence, drowning, liver disease, and some types of cancer.  

If you suspect you or someone you care about has a drinking problem, remember alcohol dependency is common, and it’s treatable. There are many resources available to you if you are concerned about your own or a loved one’s drinking habits.  

You can find an extensive list of licensed care throughout North Dakota at 

Denise Pinkney is an editor in the Communications department at Blue Cross Blue Shield of North Dakota.

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Automated phone system helping doctors

We recently launched a new automated phone system to support doctor’s offices, clinics and hospitals communicate with us in a more efficiently. Our new Provider Self Service automated phone system allows health care providers 24-7 access to member eligibility, cost sharing and claim status information without having to wait on hold for an operator. The new service helps us and doctors conserve resources and save time.

“It’s by far the best system that I’ve used and I use them a lot daily verifying insurance,” said Stephanie Beaty of Coram Healthcare, who has used the new automated phone system. “It was super quick and easy. I was able to get my information in just a few minutes, just going through the menu.”

Health care providers also like being able to get 24-7 access to patient info and claims data.

“It was easy to use. I like having after-hours access,” said Teresa Davidson of Rapid City Regional Rehabilitation. “I like that you can type in the numbers on the phone. Sometimes there is so much background noise in the office that the computer has a hard time understanding what you’re saying.”

Reduced wait times
By offering health care professionals access to an automated phone system for these functions, we are able to reduce the wait times for those calling in to talk with operators and conserve employee resources to better use our members’ premium dollars.

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

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Got unwanted medications? Get rid of them on Prescription Drug Take-Back Day

Do you flush unwanted  or expired prescription drugs down the toilet or throw them in the trash? Perhaps they are forgotten in your home medicine cabinet.  If so, plan to rid your home of those medications on Saturday, April 26, in the Drug Enforcement Administration’s (DEA) National Prescription Drug Take-Back Day.

Do you have unwanted or expired prescription medications?Unused or expired medication left in the medicine cabinet can be at risk for misuse, abuse or even theft. More than four in 10 teens who have misused or abused a prescription drug obtained it from their parents’ medicine cabinet, according to the Partnership at

Blue Cross Blue Shield of North Dakota (BCBSND) and the DEA encourage North Dakotans to drop off their unwanted or expired prescription medications from 10 a.m. to 2 p.m. on April 26 at more than 25 locations across North Dakota.

BCBSND also addresses the growing problem of drug abuse with leaders throughout the state on the Reducing Pharmaceutical Narcotics in Our Communities Task Force.

You can make a difference!

  • Help protect local agriculture and water supply. All drugs collected at Take-Back sites will be disposed of properly by local law enforcement or DEA officials.
  • Curb drug abuse. The Centers for Disease Control and Prevention reports that nonmedical use of prescription painkillers costs health insurers up to $72.5 billion annually in direct health care costs.

How to participate

  • Visit and click on “Got Drugs?” to find the nearest location.  In Fargo, Take-Back disposal containers are located in the lobby of the police department.
  •  Check out the state’s year-round prescription drug disposal program. As of March 2014, 6,620 pounds of unwanted and unused medications have been collected and destroyed in North Dakota through the program.

Denise Pinkney is an editor in the Communications department at Blue Cross Blue Shield of North Dakota.


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Fargo Marathon Friday Night 5K a great way to get active

As the snow melts and temperatures start to rise, more North Dakotans are beginning to emerge from hibernation. Joggers can be seen taking advantage of the opportunity to get outside and get active again this spring.

As The Official Sponsor of Recess, we believe that recess is for everyone and we encourage North Dakotans of all ages to get outside and get active. What better way to get some fresh air and go for a short jog or walk than to participate in the Fargo Marathon Friday Night 5K on Friday, May 9?

Here’s a look at some scenes from last year’s Fargo Marathon 5K.

Register online today for the Fargo Marathon Friday Night 5K and join us for a wonderful community event on the downtown streets of Fargo. Haven’t been training to run three miles? No problem. You can register to walk the 5K, too. Every year, thousands of families and friends walk the 5K. Some even push baby strollers along the course.

We’ll be there as an event co-sponsor with Discovery Benefits, promoting health and fitness and the importance of getting active. Will you join us?

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

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What can I do if I missed the March 31 health insurance deadline?

March 31, 2014 was the deadline for North Dakotans to sign up for new Blue Cross Blue Shield of North Dakota individual or family plans to receive 2014 coverage. Most Americans are required to have health insurance this year, or they will face a tax penalty from the federal government.

Even if you didn’t buy your plan by March 31, you still might be able to get a new health insurance plan in 2014:

  • If you have a significant life change such as getting married, divorced, moving to a new state, the birth or adoption of a child, or even some income changes after March 31, you may be eligible for a special enrollment period to sign up for 2014 coverage. Please call us at 1-800-280-BLUE (2583) to find out if you are eligible.
  • If you qualify for Medicare or Medicaid, you can enroll at any time. If you qualify for Medicaid, you can sign up anytime at
  •  If you lose health insurance through an employer after March 31, you can sign up for 2014 health insurance.
  • If you tried to purchase a plan on the North Dakota marketplace at by March 31 and experienced difficulty completing your enrollment, you can also request an extension that may allow you more time to enroll in a marketplace plan for 2014.

The next enrollment period for health insurance begins on November 15, 2014, for coverage starting in 2015.

What if I have health insurance?
If you currently receive health insurance through your employer or through a government program like Medicare or Medicaid, the March 31 deadline does not apply to you. If you have insurance now, but you lose your coverage during 2014, you may qualify for a special enrollment period to select a new insurance plan.

If you are a current BCBSND member and have a non-grandfathered individual or family plan, and your plan is being discontinued in 2014 because of Affordable Care Act regulations, you will be automatically transferred to a new plan unless you tell us otherwise. Current members with plans being discontinued on May 1, 2014, need to enroll in a new BCBSND plan by April 30 to avoid a gap in coverage. If you aren’t sure about your personal situation, please call us at 1-800-280-BLUE (2583) and we’ll help you.

More information about health reform is available on our website, where you’ll find health reform basics and the latest health reform news.

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

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Why you can’t wait until you get sick to get health insurance







Health insurance works by having members pay a monthly premium that goes into a pool. When a member gets sick, they dip into the pool’s shared resources to help pay for their medical care. This helps keep out-of-pocket costs down for members.

That’s why you can’t just wait until you get sick to purchase health insurance. After you receive expensive medical bills in the mail, it’s too late to sign up for health insurance. Health insurance can only help you if you have insurance at the time of your car accident, when you go to the hospital, or when your child goes to the emergency room with a dangerously high fever.

That’s why it’s important to have health insurance — and to make sure your children and family members do too. Even if you feel healthy or don’t think you need to see the doctor, you never know when you will need insurance. That’s why it’s called insurance (just in case).

You won’t be dropped from insurance
The Affordable Care Act mandates that insurance companies cannot drop members after they get sick (something Blue Cross Blue Shield of North Dakota has never done and will never do) and it also does not allow insurers to deny coverage to members because of pre-existing medical conditions or to place lifetime or annual limits on insurance coverage.

Insurance requirement
The Affordable Care Act also requires that most Americans enroll in health insurance coverage by March 31, 2014 or face a tax penalty when filing your 2014 federal income tax return.

Enrollment period
Even though you cannot be turned away as a BCBSND member as long as you pay your premiums, you still need to sign up during enrollment periods. If you already have coverage through an employer, you have a current BCBSND plan, or through a government program such as Medicare or Medicaid, you’re good to go. But if you are uninsured, you will need to sign up for an individual or family plan directly from us or on the North Dakota health insurance marketplace by March 31, 2014, to have coverage in 2014. The next open enrollment period for on- and off-marketplace coverage begins on November 15, 2014 for coverage starting in 2015.

Find a plan
To check out your coverage options and avoid the penalty, you can get started at or by calling 1-800-280-BLUE (2583). If you meet income qualifications you may qualify for a federal tax credit to help you pay the cost of your insurance if you select a plan on the marketplace. You can use our tax credit calculator to find out if you might qualify.

Some North Dakotans who experience life changes after March 31 this year, such as having a baby or getting married, may qualify for a special enrollment period. If your existing BCBSND plan is being discontinued, you may also qualify for a special enrollment period when your policy expires. If you aren’t sure if this applies to you, please call us at 1-800-280-BLUE (2583) and we’ll help you.

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

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