• Aetna
• Assurant
• Blue Cross and Blue Shield

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• Companion Life
• Humana

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• Aetna

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• BlueCross BlueShield
• Noridian Mutual
• SecureHorizons by UnitedHealthcare
• Universal American
• WellCare

What You Can Do to Save Money on North Dakota Health Insurance

What you can do

You can do several things to help slow down the rate at which health care spending is increasing:

• Become an educated health insurance consumer. Whether shopping for the lowest health insurance rates or asking medical questions of experts, learning to do research on the internet or by using other information sources, makes you a more informed consumer, thus bettering your chances of lowering your health care costs. In addition, comparing fees and costs for medical, pharmacy and surgical procedures will give you a better idea how much your health care is costing you. The better educated you are about health care, the more informed your decisions will be.
• Do not be afraid to ask your doctor questions. Write down your questions before your visit. Being actively involved in your health care decisions can reduce the amount of needless tests performed, will keep you better informed about the risk and benefts of procedures, and will give you more control over the amount of money that you are spending on your health care.
• If you are able, try to use generic drugs over brand name ones. You can save as much as 90% over the cost of brandname medications. On average, most generic drugs are approximately half the price of their brand name counterparts.
• Save the emergency room for emergencies. It can be two to three times more costly to receive services in an emergency room than in a doctor's offce.
• Reduce your chances of getting sick. If we are to reverse the trend of rising health insurance costs, we each should do our part by reducing our own health care utilization. As the old saying goes, an ounce of prevention is worth a pound of cure. Perhaps the best advice to follow to avoid increasing high health insurance premiums as well as out-of-pocket health care expenses is to do the following:
  1. Take advantage of free health screenings at local clinics, hospitals, or health fairs and practice self-examination.
  2. Know early warning signs of potential health problems and consult a physician ASAP.
  3. Live a healthier lifestyle. Eating a balanced diet, exercising and quitting smoking goes a long way towards better health.