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The Comprehensive Health Association of North Dakota (CHAND)


Premiums and Refunds

Can premiums be paid in advance?

Yes. Premiums may be paid on a monthly, quarterly, semi-annual or yearly basis.

Can an employer provide or reimburse CHAND premiums?

CHAND plans cannot be paid for or reimbursed by any government-sponsored program, government agency, health care provider, nonprofit charitable organization or an employer.

What is the refund policy?

CHAND will cancel a policy at the end of the month for which premiums have been applied. Premiums paid past the end of the current month will be returned.

Is CHAND obligated to waive premium payments for disabled policyholders?

There are no requirements that a health insurer is obligated to waive premium payments for disabled policyholders.