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 Is A Copay?

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. A COPAYMENT, or a copay, is a set amount you pay when receiving medical care. Patients are often asked to pay a copay when arriving for a doctor’s appointment, or seeking other…
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Open Enrollment Period For 2015 Insurance Now Open

If you are uninsured, aren’t offered health insurance from your job and don’t have coverage through a government program, you might want learn more about the open enrollment period to purchase individual insurance. The open enrollment period started on November 15. Open Enrollment The open enrollment window is open between November 15, 2014 and February…
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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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What Can I Do If I Missed The March 31 Health Insurance Deadline?

March 31, 2014 was the deadline for North Dakotans to sign up for new Blue Cross Blue Shield of North Dakota individual or family plans to receive 2014 coverage. Most Americans are required to have health insurance this year, or they will face a tax penalty from the federal government. Even if you didn’t buy…
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