BluePartner

In Collaboration with Sanford

BluePartner is a narrow network health insurance plan that provides employees in-network care from a single provider network with the goal of better managing costs. Like many other options, this product offers several plans with different coinsurance and deductible levels.
  • Employees get care within a single provider network, with the goal of better managing care to help control costs over time 
  • This network is provided by Sanford, and is initially available to employers who are based in Cass, Richland and Traill counties 
  • This product includes the ability to choose traditional copay plans, or high deductible plans that can be paired with a health savings account (HSA)
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 health insurance plan from Blue Cross Blue Shield of North Dakota (BCBSND), employers can choose from a traditional copay plan where employees:
  • Pay the same copayment (copay) each time they visit the in-network or Sanford doctor 
  • Share costs with BCBSND for other services, depending on the BluePartner plan selected for employees
 
A high deductible BluePartner health plan option may be available for large group employers, where employees:
  • Have decision-making power over health care expenses
  • Receive lower premium than traditional copay insurance
  • Set aside money in an HSA for medical expenses
 
Doctor or specialist visits
 
For traditional plans, employees pay a copay for the in-network visit and may have to pay additional for extra tests, lab work or other medical services resulting from that visit. For out-of-network visits and high deductible plans, employees will pay up to the deductible and then share in the cost (coinsurance) up to the maximum out-of-pocket. 
 
The exception is preventive care, which is covered at 100% for in-network visits. There are no copays and no requirement to meet a deductible. Out-of-network preventive visits are not covered.
 
Prescription drug benefits
 
Employees are responsible for in-network copays and/or coinsurance on both generic and name-brand prescription drugs. Refer to the product brochure for further details, as benefits change between plan designs. 
 
Hospital stays
 
Employees pay toward the in-network hospital costs until the 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.
 

Blue Elements header

BluePartner 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.

 

Questions about BluePartner?

Call 701.282.1430 or email us.

 

Why Choose BCBSND?