Health Insurance 101

Get tips, overviews and insights on all things related to health insurance.

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What is Health Insurance?

Over time, health insurance has become complicated. This video provides a high-level overview of the basics—in language we all understand.

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How to Choose a Health Plan

Understand the difference between the different types of health insurance plans before you choose.

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Tiered-networks: How they work

What is a tiered-network health plan and how does it save you money? Get a summary here.

Copay health plan: How it works

What is a Copay Plan?

What do your costs look like when you choose a copay plan? Get help understanding how this plan can help pay for your health care costs.

What is a High Deductible Plan

What is a High Deductible Plan

A high deductible health plan in action—better understand how this type of plan can help pay for your health care expenses.

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Why you should choose a Primary Care Provider (PCP)

Having health insurance is a great first step in your health care journey. The next best step is choosing a primary care provider (PCP).

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6 ways to save on prescription drug costs

Ask your doctor for a 90-day supply of your meds to save you money at the pharmacy. Learn five more ways to save on prescriptions.

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Free health plan perks you may be passing over

What are you leaving unused in your health plan? Take a look at the hidden perks.

 Two women speaking with their healthcare provider to submit a precertification request.

What to know about prior authorization

Prior authorization is a process that validates the medical need for a service or procedure. Certain specific services and procedures require prior authorization to qualify for benefits.

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How to Pay my Bill

Options available to make monthly premium payments.

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Making sense of your EOB

What does it all mean? We'll help you take a closer look at your Explanation of Benefits, or EOB.

A member showing her insurance ID card to a doctor

Your BCBSND Member ID Card

Get familiar with your ID Card to better understand your benefits and make it easier when you visit a care provider.

Mother and daughter packing suitcase for trip after checking their health insurance plan from Blue Cross Blue Shield of North Dakota.

Traveling with BCBSND Insurance

Prepare for travel, both inside and outside the United States, and know what tools are available to you should you need them.

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What happens when a claim is submitted?

BCBSND has quality programs that measure timeliness and accuracy to ensure claims are processed correctly.