There are only two reputable health insurance companies in the North Dakota health insurance market. This is because most of North Dakota is remote and the population is rather small compared to other US states. In fact the entire population of North Dakota is around 700,000. The breakdown is below.
10 largest cities (2005 est.): Fargo, 90,672; Bismarck, 57,377; Grand Forks, 49,792; Minot, 34,984; West Fargo, 19,487; Mandan, 17,225; Dickinson, 15,666; Jamestown, 14,826; Williston, 12,193; Wahpeton, 8,220
The population layout of North Dakota makes it difficult to establish a health insurance network so basically the main health insurance company that most North Dakota residents have is Blue Cross Blue Shield. I personally think of North Dakota as having the perfect health insurance system. Back in the 1950′s health insurance was for catastrophic and most people paid their family physicians in cash and this kept costs down because the health care providers didn’t have to deal with Health Insurance companies or administrative costs. Another foreign concept back then was lawsuits for malpractice.
North Dakota residents have many of those same practices in place. The town doctor is many of these small North Dakota towns is usually paid in cash and if they accept health insurance it is usually only from one company, and that company is domiciled in North Dakota. This makes everything much more affordable in the North Dakota health insurance market.
North Dakota Blue Cross Blue Shield
More than 65 years ago, Blue Cross Blue Shield of North Dakota (BCBSND) began as two separate pre-paid health care plans for hospital and physician services. The two companies merged in 1986 and, in 1998, converted to a not-for-profit mutual insurance company. They offer some terrific health insurance plans and I have included their brochures below.
Blue Cross Blue Shield North Dakota Personal Choice Brochure
This Personal Choice plan is the most popular Blue Cross Blue Shield plan as it is the most traditional, offering copayments and prescription coverage before the deductible is met.
Blue Cross Blue Shield North Dakota Major Medical Brochure
The Blue Cross Major Medical – Catastrophic Health Plan
Blue Cross Blue Shield North Dakota Blue Saver 100 Brochure
The Saver 100 Plan Covers all health care expenses after the deductible at 100%. But, nothing is covered before.
Blue Cross Blue Shield North Dakota Blue Saver 80 Brochure
The Saver 80 plan also covers all health care expenses after the deductible but only at 80%. The 80% exhausts once you reach the out of pocket maximum.
Blue Cross Blue Shield North Dakota Personal Choice for Students Brochure
Student Health Insurance Brochure
Blue Cross Blue Shield North Dakota Application
Companion Life North Dakota Health Insurance Company
Companion Life Insurance Company has specialized in employees, groups and individuals benefits for more than 35 years. We currently market insurance products in 45 states and the District of Columbia.
The mission of Companion Life Insurance Company is to be a well-managed, customer-focused organization acting in the best interests of its policyholders and marketing partners, operating on a financially sound, growing and diversified basis.
Companion Life has earned an A.M. Best rating of A+ (Superior).
Freedom Health Plans Companion Life of North Dakota Health Insurance Brochure
