Hundreds of thousands of people depend on us to provide affordable health insurance. As a not-for-profit mutual insurance company, our members expect us to manage our business with their best interests in mind.

BCBSND employee using key card to enter building.

Delivering member value

  • As a nonprofit, member-owned organization, we strive to bring value to our members through ongoing efforts to challenge the cost of health care.
  • Robust audits to ensure accurate, timely and effective claims processing
  • Advanced payment integrity program helps members collectively save millions
  • A targeted cost per member, per month to ensure responsible stewardship of member premiums
  • Responsible investment model that prioritizes innovation, services and support for our members
  • Establishing administrative agreements between HealthyDakota Mutual Holdings companies for shared services, such as security and technology, to ensure optimization
  • Provide assistance to clients throughout mental health parity compliance exams

Board independence and diversity

  • Independent board made up of nine to 15 members
  • A mix of consumer-driven member directors and health providers
  • Directors elected through annual voting process involving BCBSND voting members
  • Commitment to establishing board diversity
  • Board governance strategic priorities in 2023 are fiduciary roles and responsibilities, as well as crisis management and handling

High ethical and compliance standards

In a highly regulated and complicated industry, we have mechanisms in place to achieve high standards in operations:

  • Audit team reporting directly to the board of directors
  • Enhanced vendor management process to mitigate the risk of outsourcing products and services to outside third parties and ensure our vendors meet our security requirements
  • Dedication to information security, data protection and privacy at all levels, including multiple education touchpoints for all employees throughout the year, information subcommittee of the board of directors and data privacy audits of home offices
  • Environmental, social and governance council
  • Provider Special Investigations Unit to ensure accurate claims, while monitoring for fraud, waste and abuse