Why You Can’t Wait Until You Get Sick To Get Health Insurance

            Health insurance works by having members pay a monthly premium that goes into a pool. When a member gets sick, they dip into the pool’s shared resources to help pay for their medical care. This helps keep out-of-pocket costs down for members. That’s why you can’t just wait until…
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Health Reform Changes Coming In 2014

The Affordable Care Act has already led to many changes in the U.S. health care system. Even more change is expected in 2014. Here’s a peek forward to some of the health reform changes coming in 2014: January 1, 2014 Pre-existing conditions allowed Starting with policy years beginning on or after January 1, 2014, health…
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How Do I Apply For Insurance Coverage?

Our customer service staff answers hundreds of calls each day. We decided we would answer the five most common questions we receive from members. One of the most common questions we are asked is how to apply for Blue Cross Blue Shield of North Dakota health insurance coverage. You can search for and apply for…
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How Health Reform Impacts Buying Insurance

As a result of the Affordable Care Act, health insurance marketplaces or exchanges in each state began enrolling people seeking insurance coverage starting on October 1, 2013, with coverage beginning as early as January 1, 2014. The online marketplaces, similar to an online travel agency for health insurance, will allow individuals and small businesses to…
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Can I Use My Health Insurance While Traveling?

Planning to take a trip overseas or study abroad? Wondering what happens if you get sick while you’re traveling? We’ve got you covered. If you have Blue Cross Blue Shield of North Dakota (BCBSND) health insurance, you can receive health care services when you’re out of the country. All BCBSND plans include BlueCard coverage that…
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