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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Explanation Of Out Of Pocket Costs

Health insurance can be confusing. We’re here to help. Here’s an explanation of an often misunderstood health insurance term and what it means. OUT OF POCKET EXPENSES ¬†are health care costs that you pay for yourself. HOW OUT OF POCKET EXPENSES WORK Some examples of out of pocket expenses are copayments, deductibles and coinsurance. A…
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What Does Coinsurance Mean?

Health insurance can be confusing. We’re here to help. Here’s an explanation of an often misunderstood health insurance term and what it means. COINSURANCE is the amount or percentage of medical expenses you are required to pay. Your insurance company pays the rest. Coinsurance is one way your insurance company shares medical costs with you.…
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5 Tips To Help You Pick The Right Doctor

Picking the right doctor for you and your family is an important decision. A primary care doctor can play a key role in helping to diagnose, treat and manage your family’s health. You will visit or contact your primary care doctor for most doctors’ appointments, including checkups, health screenings and non-emergency situations, such as when…
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