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…
Read More

How Are My Premiums Used?

One common question we receive from our members is how the premiums they pay are used. The answer can be a little complicated, but we hope this will help explain it. Members pay premiums in exchange for health insurance coverage. If you have health insurance through your job, you might see on your paycheck stub…
Read More

When To Go To The ER Or Doctor’s Office

You’re not feeling well and have decided to seek medical attention. But where you should go? Should you go to the local hospital’s emergency room, visit your personal doctor, or go to an urgent care center? The answer depends on your specific situation. It’s important to go to the right medical setting so you can…
Read More

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.…
Read More

5 Ways To Become Your Own Health Care Boss

While your doctor is the medical expert,  you are your own best advocate. Practicing these five things will help put you in the driver’s seat of your health care. 1. Make health care choices based on information, not fear. When your doctor recommends a procedure or medication, you should find out more. What are the…
Read More