Annual Report

Leading North Dakota in a new era of health care

Tim Huckle

Dear Member:

First, let me thank you for your membership in Blue Cross Blue Shield of North Dakota (BCBSND). We know you have other choices in health insurance and appreciate the trust you place in us. I'd also like to take a moment to introduce myself as your president and chief executive officer.

While my title is new, I've been with the organization for almost 29 years. During that time, we have seen changes in the health care system, but never to the degree in recent history. Today, we're experiencing unprecedented challenges brought on by the implementation of the Affordable Care Act (ACA), the rising cost of health care and an aging population.

Even so, I have good reason to be optimistic about the future of health care and our role in bringing quality, affordable care to North Dakotans. My reasons for optimism include:

The North Dakota difference — Unique to North Dakota is a statewide willingness to collaborate. Already, health care providers, law makers, BCBSND and our members are working closely together for solutions and will continue to do so.

BCBSND employee dedication — The commitment level of our employees has always made an impression on me. It's evidenced in the award-winning service and support they provide for more than 500,000 BCBSND members like you. Once again in 2013, BCBSND ranked first in customer service among Blues plans nationwide.

A strong strategic plan — We are executing a strategic plan built on four pillars that will help us deliver on our mission of providing access to affordable, quality care. You'll find highlights of the plan on the following pages.

Again, thank you for choosing BCBSND.


Tim Huckle
President and Chief Executive Officer
Blue Cross Blue Shield of North Dakota

Annual Report

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Financial Report