BlueCare is a classic, comprehensive health insurance plan with more predictable health care costs. There are three plans available with different coinsurance and deductible levels.

Plan Features

Covers the 10 essential benefits required by the Affordable Care Act:

  1. Preventive and wellness services as well as chronic disease management
  2. Prescription drugs
  3. Maternity and newborn care
  4. Laboratory services
  5. Outpatient services
  6. Hospitalization
  7. Emergency services
  8. Pediatric services, including dental and vision care
  9. Mental health and substance use disorder services
  10. Rehabilitative and habilitative services and devices

How it Works

With this classic health insurance plan from Blue Cross Blue Shield of North Dakota (BCBSND), employees:

  • Pay the same copayment (copay) each time they visit the doctor or pharmacy.
  • Share costs with BCBSND for other services, depending on the BlueCare plan you choose for your employees.
  • Makes health care expenses more predictable for you and your employees.

Doctor or specialist visits

Employees pay a copay for the visit and may have to pay additional for extra tests, labwork or other medical services resulting from that visit.

The exception is preventive care, which is covered at 100%. There is no copay and no requirement to meet a deductible.

Prescription drug benefits

Employees are responsible for copays on both generic and name-brand prescription drugs.

Hospital stays

Employees pay toward the hospital costs until their deductible is met. After that, BCBSND shares the medical costs (coinsurance) until employees' out-of-pocket maximums are met. Then BCBSND pays all other covered expenses.


All BlueCare plans include HealthyBlue, powered by WebMD. This online center is designed with powerful tools to engage your employees in their health and wellness journey.


View Plan Options and See How They Work

PDF Icon Download BlueCare Product Brochure

View 2018 Summary of Benefits and Coverage (SBC) and Certificate of Insurance »

Blue Elements header

BlueCare 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.


WebMD Health Services is an independent company that assists with the administration of BCBSND's health and wellness programs.

Contact An Account Executive

Why Choose BCBSND?