Many North Dakotans are concerned about getting an H1N1 vaccine and some aren't sure if their insurance policy covers it. Blue Cross Blue Shield of North Dakota pays for the administration of H1N1 vaccines on all of its policies, according to company officials.

BCBSND's standard benefits include covering vaccines recommended by the Centers for Disease Control and Prevention (CDC) with no out-of-pocket expenses to the member. H1N1 is recommended by the CDC.

"Immunization has been shown to be one of the most cost-effective preventive measures," said BCBSND Chief Medical Officer Dr. Jon Rice.

The H1N1 vaccine is supplied by the federal government, and there is no charge for the vaccine itself. BCBSND will pay for administration of the H1N1 vaccine to the target groups listed by the CDC. Due to possible limited supplies, you may want to check with your local vaccine provider for availability in your age group or medical situation.

These target groups include pregnant women, people who live with or care for children younger than 6 months of age, health care and emergency medical services personnel, people ages 6 months to 24 years, and people ages 25-64 who are at higher risk for 2009 H1N1 because of chronic health disorders or compromised immune systems.

If you receive your vaccine through a participating provider, the participating provider will submit the bill to BCBSND on your behalf.

If you go to a free clinic or mass immunization clinic, you will need to submit a copy of an itemized receipt from your provider. An itemized receipt includes the following information:

• Date of service
• Procedure that was performed
• Name of patient
• Charge for procedure
• Your benefit plan number

If you're not sure if you are covered, check your policy or call the number on the back of your insurance card.