DakotaBlue | Altru

A tiered-network employer plan for participating ND counties served by Altru Health System.

Consider this plan if

You want a plan that allows employees to choose their level of coverage based on where they get care. Close-to-home care through the Altru Health System and a Preferred network of providers offers the lowest out-of-pocket costs. A broad range of other care options are available, too, at a higher cost.

Coverage available for

Organizations within 11 northeastern North Dakota counties including Grand Forks, Ramsey, Walsh, Pembina, Benson, Nelson, Cavalier, Towner, Eddy, Griggs and Steele.

Plan features

The tiered-network plan is available in 11 counties served by Altru Health System and a Preferred network of providers. The provider network is split into four tiers, depending on where you get care.

Tiered networks are designed to help employees make informed decisions about where they get care. With this approach, out-of-pocket costs are determined by which network a provider is in:

Preferred Network: Altru Health System and a Preferred network of providers.
Enhanced Network: North Dakota providers who accept BCBS network coverage.
Standard Network: Any providers who accept BCBS network coverage.
Non-Participating Provider: All other providers without BCBS service agreements.

NOTE: Occasionally, Preferred Network providers refer patients to doctors in the Enhanced or Standard network. Those services may be covered if the referral is approved and the provider accepts BCBS insurance plans.

Learn more about tiered-network plans: Tiered Networks: How They Work.

Find providers in the DakotaBlue | Altru network

An easy search will help guide your employees on where to get care within the DakotaBlue | Altru network.

Search by provider to find their associated network level
Search by specialty to find available doctors and their associated network level

Search for doctors or specialties.

Plan highlights

Lowest out-of-pocket costs within the Altru Health System
Access to broader network of providers at an increased cost
Plans include HealthyBlue online wellness center, powered by WebMD
No cost telehealth visits within the Preferred network

Platinum Plan

Gold Plan

Silver Plan

DakotaBlue | Altru 90 500

DakotaBlue | Altru 80 100

DakotaBlue | Altru 60 2500

Altru is an independent healthcare organization partnering with BCBSND to provide the lowest out-of-pocket costs to members through the DakotaBlue | Altru preferred network.
All cost sharing amounts apply to covered services you receive within the DakotaBlue | Altru network.
Covered services received from a non-participating provider are paid at a lesser benefit or no benefit amount.
For a family plan, an individual on the plan must meet the individual deductible before coinsurance begins.
*After deductible is met

Deductible
(Preferred Network)

$500 (Individual)
$1,000 (Family)

$1,000 (Individual)
$2,000 (Family)

$2,500 (Individual)
$5,000 (Family)

Enhanced

Standard

Non-Participating

$3,500

$4,500

$6,750

$7,000

$9,000

$13,500

$2,000

$2,500

$3,750

$4,000

$5,000

$7,500

$5,000

$6,250

$9,375

$10,000

$12,500

$18,750

Out-of-pocket Maximums
(Preferred Network)

$1,800 (Individual)
$3,600 (Family)

$8,150 (Individual)
$16,300 (Family)

$9,100 (Individual)
$18,200 (Family)

Enhanced

Standard

Non-Participating

$9,100

$15,000

$22,500

$18,200

$30,000

$45,000

$9,100

$20,375

$30,500

$18,200

$40,750

$61,000

$9,100

$22,750

$34,125

$18,200

$45,500

$68,250

Coinsurance
(Preferred Network)

10% of total cost*

20% of total cost*

40% of total cost*

Enhanced

Standard

Non-Participating

30% of total cost*

50% of total cost*

40% of total cost*

50% of total cost*

Preventive Visits
(Preferred Network)

Covered at 100%

Enhanced

Standard

Non-Participating

Covered at 100%

No Coverage

Covered at 100%

No Coverage

Covered at 100%

No Coverage

HealthyBlue Online Wellness
(Preferred Network)

Doctor Visits, Chiropractic Care, Physical, Speech and Occupational Therapy
(Preferred Network)

$20

$40

$45

Enhanced

Standard

Non-Participating

30% of total cost*

50% of total cost*

40% of total cost*

50% of total cost*

Prescription Drugs
(Preferred Network)

Value drugs: $5
Preferred Generic: $5
Non-Preferred Generic: $5
Preferred Brand: $20
Non-Preferred Brand: $40
Preferred Specialty: 80%*
Non-Preferred Specialty: 50%*

Value drugs: $5
Preferred Generic: $5
Non-Preferred Generic: $5
Preferred Brand: $50
Non-Preferred Brand: $150
Preferred Specialty: 70%*
Non-Preferred Specialty: 50%*

Value drugs: $5
Preferred Generic: $20
Non-Preferred Generic: $20
Preferred Brand: $150
Non-Preferred Brand: $200
Preferred Specialty: 50%*
Non-Preferred Specialty: 50%*

Specialist Visit
(Preferred Network)

$20

$60

Enhanced

Standard

Non-Participating

30% of total cost*

50% of total cost*

40% of total cost*

50% of total cost*

Emergency Room Visit
(Preferred Network)

10% of total cost*

20% of total cost*

40% of total cost*

Enhanced

Standard

Non-Participating

10% of total cost; Preferred network deductible applies

20% of total cost; Preferred network deductible applies

40% of total cost; Preferred network deductible applies

Hospitalization
(Preferred Network)

10% of total cost*

20% of total cost*

40% of total cost*

Enhanced

Standard

Non-Participating

30% of total cost*

50% of total cost*

40% of total cost*

50% of total cost*

Additional information

2023 DakotaBlue | Altru Brochure

sales;

Your sales executive(s) for

Your sales executive can help find the right plan for you and your employees.

Invalid zip

Our Partners in Health:
Members
Providers
Producers

Fargo (Headquarters)
4510 13th Ave. S.
Fargo, N.D., 58121