BlueDirect Health Insurance for Individuals

A high-deductible health plan where you manage your day-to-day medical expenses and pay lower premiums in return. Use this plan alongside a health savings account to pay health care expenses pre-tax.

Coverage Available for:

  • Single
  • Families

Plan Features

  • Lower monthly premiums
  • More control over how, where and when you spend your health care dollars
  • combination of coinsurance/deductible gives you ways to control your costs
  • Covers the 10 essential benefits required by the Affordable Care Act health care reform law
    • Outpatient services
    • Emergency services
    • Hospitalization
    • Maternity and newborn care
    • Mental health and substance use disorder services, including behavioral health treatment
    • Prescription drugs
    • Rehabilitative and habilitative services and devices
    • Laboratory services
    • Preventive and wellness services as well as chronic disease management
    • Pediatric services, including dental and vision care

See How It Works:

PDF Icon Download BlueDirect Product Brochure

View 2015 Summary of Benefits and Coverage (SBC) and Certificate of Insurance »

View 2016 Summary of Benefits and Coverage (SBC) and Certificate of Insurance »

Learn more about prescription drug coverage:

  • Visit – Prime Therapeutics manages BCBSND's pharmacy benefits

Blue Elements header

BlueDirect plans are part of a comprehensive health and wellness platform, BlueElements, which focuses on six dimensions of well-being—physical, social, emotional, financial, environmental and professional.


Prime Therapeutics is an independent company that assists in the administration of BCBSND's pharmacy benefits management on behalf of Blue Cross Blue Shield of North Dakota.

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Why Choose BCBSND?