Choosing The Right Insurance Plan—A Checklist

Open enrollment starts today. It’s the period when people who aren’t insured through work can shop or make coverage changes. The 2018 open enrollment period runs November 1 to December 15, 2017. It’s a shorter window than previous years, so being prepared will help you make the best decisions. Here are a few things to…
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A Common Medicare Mix-Up

Richard Brown, better known as RD Brown, is a listener and a storyteller. And as a long-time BCBSND sales expert, he’s heard most every scenario possible when it comes to North Dakotans’ Medicare coverage. “When people hit age 65, they’ve lived long enough to know someone who’s been through the unthinkable, when it comes to…
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How Insurance Premiums Are Determined

For most types of insurance, the rate you pay is determined by risk. For example, if you buy auto insurance, your premium is based on numerous factors. Age and address are factors, but the insurance company also looks into your personal records – have you been in accidents in the past; have you been cited…
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Common Medicare Questions From The Field

Terry Krefting is a long-time BCBSND sales professional who’s helped hundreds of people in western North Dakota navigate the Medicare maze. We asked about the most common questions he gets. Many are pretty basic. Others are more complex. Here’s what he passed along: Q: What does Medicare cover?  A: Generally, after you pay 20 percent,…
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Beat The Bug: How NOT To Get The Flu This Year

Ready or not, fall is here – and winter is coming. And it’s bringing with it the dreaded flu season. Though flu season usually peaks in January or February, it can start as early as October. In this blog post, we’ll walk you through what you need to know to stay healthy this winter. What…
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