What Are Preventive Services?

Preventive services are things like vaccinations, tests and screenings that you receive to help you stay healthy. Common examples of preventive health care services include routine screenings or tests recommended by your doctor before you begin displaying symptoms. Getting your annual flu shot is another example of a preventive service you receive to help you…
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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…
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Insurance Networks Explained

Health insurance can be confusing. We’re here to help. What is a network? A NETWORK ┬áis a group of doctors or medical facilities that provide services to a health insurance company’s members at a discounted rate. As the largest health insurance company in the state, Blue Cross Blue Shield of North Dakota is able to…
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How Health Insurance Works

Health insurance can be confusing. We’re here to help. People often ask us how health insurance works. We’ll try to explain. HOW HEALTH INSURANCE WORKS Here’s an example. Say you cut your hand and needed stitches. You went to the hospital and showed them your health insurance card. First you were asked to pay a…
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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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