When enrolled, members must select a specific network . By receiving health care services within their chosen network, members can take advantage of the highest level of benefits provided by this plan. To help keep our members healthy and minimize their group's health coverage costs, BlueChoice promotes a closer health care relationship between members and their BlueChoice network doctor. The goal of BlueChoice is to improve each member's health through an alliance with a BlueChoice provider network . Blue Cross Blue Shield of North Dakota works with each network to ensure that every member has access to quality health care for all covered services.
Members are responsible for copayments , inpatient copayments , and coinsurance .
An increasing number of employers are looking for a better way to manage their health care costs. A self-funding approach allows employers with 50 or more employees to design their company's own employee health care plan. Under this plan, Blue Cross Blue Shield of North Dakota processes the group's claims, manages the group's claims costs and pays providers directly on the group's behalf. With Self-funding, employer groups gain greater control by actively participating in the design of their plan. These groups have the advantage of containing health care costs by self-funding the expected claims and transferring the unexpected risk to Blue Cross Blue Shield of North Dakota.