How Health Insurance Premiums Are Used

People often ask us what happens to the health insurance premiums our members pay. Here is an explanation. Blue Cross Blue Shield of North Dakota charges premiums in exchange for providing our members with health insurance coverage. If you get insurance through your job, your premiums may be deducted from your paycheck or direct deposit.…
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How To Update Your Address With Us

One of the most common questions we get from members is how they can update their address with us. Current Blue Cross Blue Shield of North Dakota members can update their address when it changes on our website at www.BCBSND.com. Members first need to register before visiting the secure online portal at www.BCBSND.com/manage-my-benefits to enter…
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Which Insurance Plan Pays For That?

If you are covered by more than one health insurance plan, it can be confusing knowing which one pays for what. This may impact you if you and your spouse each receive health insurance coverage through your jobs, or if you have insurance coverage through us but also receive benefits from another program such as…
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How Do I Find Out What Insurance Covers And How Much I Owe?

                  We send Blue Cross Blue Shield of North Dakota (BCBSND) members an Explanation of Benefits form (also known as an EOB), in the mail after they receive medical care. EOBs, which you can also sign up to receive electronically, include important information about how your medical…
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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. Breakdown In 2013, 92.7 percent of member premiums (or…
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