Events Throughout Our History
BCBSND introduced the idea of prepaid health care to the state during the 1940s. After the Great Depression, many North Dakotans were unable to pay for adequate health care. As a result, some hospitals struggled to stay open.
In March 1940, Blue Cross of North Dakota was born. The North Dakota Hospital Service Association, organized by civic leaders with support from St. Luke's and St. John's hospitals in Fargo, began operation in the First National Bank building with an enrollment of 9,000. Six years later, the North Dakota Physicians Service, a Blue Shield plan, was organized to cover the patient's cost for physician's care.
Through the years, BCBSND has affiliated with several companies to offer expanded services and more products, such as long-term care and life insurance, to help members maintain financial security during difficult situations. The following timeline highlights some significant events in the company's history.
Noridian is awarded a five year Medicare Part A and Part B claims processing contract for Jurisdiction E (JE) which more than doubles its volume of federal business. JE represents 9 percent of the total volume of Medicare Fee-for-Service claims administration business nationwide, and includes California, Nevada, Hawaii, Guam, American Samoa and the Northern Mariana. Combined with its other existing Medicare claims contracts, Noridian will now administer a total of approximately 15 percent of Medicare's national volume of business.
The North Dakota legislature approves legislation allowing BCBSND to form a parent holding company for BCBSND, its subsidiaries and any future subsidiaries and affiliates. This legislation allows BCBSND to remain a not-for-profit North Dakota-based company and ensures its continued viability.
Noridian Administrative Services changes its name to Noridian Healthcare Solutions to better reflect the scope of capabilities that grew from core business experience as a government contractor.
BCBSND approaches the state's major six health care providers with Total Cost of Care contracts (TCOC) which are part of an effort to change the reimbursement arranges to quality of care rather than volume of services delivered. Altru and Sanford are the first of the state's largest health care providers to sign TCOC contracts.
BCBSND announces role as The Official Sponsor of Recess, by promoting, advocating and supporting places and opportunities for activity – and active play – across North Dakota including the classroom, workplace and where North Dakotans gather. The first program under The Official Sponsor of Recess platform, Recess YES!, provides all North Dakota kindergarten through fifth grade teachers tools and ideas to incorporate recess during the school day in the classroom.
Champions of healthy activity are sought for the Rural Health Grants program, with new criteria for 2013 for providers who develop new ideas to promote daily, physical activities for North Dakotans of all ages.
Essentia signs a TCOC contract with BCBSND.
BCBSND launches SilverSneakers® fitness program to Medicare Supplement members.
NMIC adopts a new mission, vision and purpose as a roadmap for the enterprise as it responds and adapts for the future.
BCBSND announces a Sustainable Health Initiative has been formed together with North Dakota's health care providers to ensure an accessible, affordable health care system in North Dakota with a goal to reduce medical inflation by 1.5 percent over the next three years.
NMIC acquires MDdatacor, Inc., a Georgia-based technology firm that provides insurance companies and health care providers with revolutionary data-driven solutions. MDdatacor owns the MDinsight tool, the primary technology platform behind highly secure HIPAA-compliant information sharing among BCBSND's MediQHome care providers.
NMIC forms strategic relationship with Emdeon.
The comprehensive health care reform law, Patient Protection and Affordable Care Act (PPACA) is enacted (referred to as Affordable Care Act, ACA after the final, amended version).
BCBSND and BCBS of Nebraska launch new company called CoreLink Administrative Solutions. The company will process North Dakota, Wyoming and Nebraska Blue Cross and Blue Shield health claims on BCBSND's computer systems.
The North Dakota Worksite Wellness initiative is launched as a collaborative effort between Dakota Medical Foundation, BCBSND and Healthy North Dakota to get more North Dakota businesses and organizations to implement effective worksite wellness programs, ultimately positively impacting the state of health of all North Dakotans.
The company purchases Discovery Benefits Inc., from State Bankshares, Inc.
The Advanced Medical Home Program, which began as an experimental diabetes pilot program with MeritCare Health System (now Sanford Health), is renamed MediQHome, and BCBSND prepares to implement the program statewide.
BCBSND and Blue Cross and Blue Shield of Nebraska agree to a pilot project to process BCBSNE's employer group health plan benefits on BCBSND's core claims and membership systems.
Noridian Administrative Services, LLC, opens an office with 13 employees in Leeds, N.D.
BCBSND lowers reserves by issuing premium refunds totaling more than $26 million to one-third of members.
NAS is awarded the Durable Medical Equipment Medicare Administrative Contract for Jurisdiction D, which includes 17 states and three U.S. territories, and the Medicare Part A and Part B Medicare Administrative Contractor contract for Jurisdiction 3, which includes six states.
BCBSND introduces BlueSaver, a new health coverage option which provides members with a high deductible health plan to use with a health savings account.
Noridian Administrative Services receives the contract to process Medicare Part A and Part B claims for Utah and Part A claims for Oregon and Idaho. With this addition, the company now has 2,225 employees in 26 locations in nine states across the country.
Noridian Administrative Services is awarded the Medicare Part A contracts for Alaska and Washington. NAS also wins the Core Medicaid Management Information System contract for Iowa. More than 100 new employees are hired to handle the additional workload.
BCBSND enrollment reaches 440,000.
BCBSND pays out more than $770 million in claims.
Noridian Administrative Services, a wholly-owned subsidiary of Noridian Mutual Insurance Company, is formed. NAS takes over administration of Noridian's Medicare contracts.
BCBSND employs 1,845 people.
BCBSND commits up to $350,000 in grants to develop and implement new ways to deliver health care services in rural North Dakota.
Two new products, Classic Blue and Basic Blue, are introduced in response to the higher cost of health care and higher premiums. Classic Blue offers members preventive and contraceptive benefits and the freedom to choose providers. Basic Blue offers the opportunity to pay lower premiums and then share more of the cost for health care services.
Nationwide enrollment in Blue Plans surpasses 80 million, the highest enrollment since 1987. BCBSND's monthly family premium is $450.
BCBSND is named one of the 10 Most Wired Health Plans and Insurers by Hospitals and Health Networks magazine.
For the first time in company history, BCBSND holds more than 200,000 policyholder contracts.
BCBSND is chosen to administer Healthy Steps, North Dakota's version of the federal Children's Health Insurance Program. Healthy Steps provides health coverage for North Dakota children who do not qualify for medical assistance or other health insurance programs.
BCBSND changes its corporate structure to become a not-for-profit mutual company, and calls itself Noridian Mutual Insurance Company. The company continues to use the name BCBSND when working in North Dakota.
The Government Services division begins processing Medicare Part B claims for Iowa, and hires 150 new employees.
BCBSND begins processing Medicare Part B claims for six western states: Alaska, Arizona, Hawaii, Nevada, Oregon and Washington. The contract adds 26 million claims per year to the BCBSND workload.
BCBSND home page makes its debut on the World Wide Web.
BCBSND joins the BlueCard program.
The Community Health Information Network (CHIN) is implemented. It provides an easier way to compile, collect, analyze and share large amounts of data.
To maintain a two to three month reserve level, $11 million in premiums are refunded to members.
BCBSND and Pioneer Mutual Life Insurance Company agree to share resources and jointly pursue new business opportunities.
CompChoice, a product that encourages members to become wiser consumers of health care, is introduced. This benefit plan requires copayments for office calls and emergency room visits. Members also pay a higher out-of-pocket maximum amount for services than members of traditional plans.
Enrollment reaches 375,000. The monthly family premium is $285.
BCBSND pays $300 million in claims each year. The company has paid $3 billion in health benefits during 50 years of business.
Customer Service responds to 471,000 calls and letters each year – a 485 percent increase in 15 years.
The Caring for Children Program is established to provide health care coverage for the children of parents who cannot afford insurance but do not qualify for Medicaid.
4,161,000 claims are processed, an 86 percent increase in eight years.
Northern Capital Management Company is founded.
Blue Cross and Blue Shield merge into one corporate body, Blue Cross Blue Shield of North Dakota.
Blue Cross and Blue Shield have 351,704 members.
North Dakota experiments with HMOs. Care Plan HMO is developed, and West River HMO becomes a part of Care Plan. Blue Cross and Blue Shield manage Team Care, which is based in Minot.
Employees begin using personal computers, saving their work on 5¼-inch diskettes.
Comprehensive Health Association of North Dakota (CHAND) is formed by the state legislature. Blue Cross and Blue Shield serve as administrator of the program.
Blue Cross and Blue Shield employ 450 people. The monthly family premium is $95.
Blue Cross and Blue Shield process 2,240,000 claims. More than 542,000 checks are mailed each year to pay for services provided to members.
Enrollment growth, expansion of government business and the development of new subsidiaries and affiliated organizations spur the move to the current headquarters at 13th Avenue South and 45th Street.
Customer Service receives 97,000 calls and letters each year from members.
Vision Services, Inc., contracts with Blue Cross and Blue Shield.
Dental Service Corporation is organized and signs a long-term management contract with Blue Cross and Blue Shield.
Blue Cross and Blue Shield employ 133 people. Enrollment is 300,000, and the monthly family premium is $43.
Blue Cross and Blue Shield and Medicare move to a larger office at 301 South 8th Street, Fargo.
Blue Cross and Blue Shield begin administering Medicare A and B in North Dakota.
Blue Cross and Blue Shield employ 101 people.
A computer system is installed in the Blue Cross and Blue Shield offices.
The monthly family premium is $15.
Blue Cross and Blue Shield, which are growing, move from the Interstate Business College building to 109 Roberts Street.
Enrollment reaches 99,321. The monthly family premium is $5.
Blue Shield starts operating in North Dakota. The combined enrollment for Blue Cross and Blue Shield is 15,000. The monthly family premium is $4.25.
Offices are located in the First National Bank Building on Broadway in Fargo.
On March 22, Blue Cross goes to work with a staff of three, an enrollment of 9,000 and an income of $17,000. The monthly family premium is $1.50.