Questions About CHAND

To be sure you have the information you need for your coverage, choose the proper topic relating to your question. If you don't see your question listed, please contact the CHAND Service Center at 844-363-8457.

Are CHAND and Blue Cross Blue Shield of North Dakota the same company?

No. CHAND and BCBSND are two separate companies. The North Dakota Legislature created the Comprehensive Health Association of North Dakota (CHAND) in 1981.

BCBSND provides administrative services to CHAND through a Lead Carrier agreement. The state of North Dakota and its Board of Directors govern the CHAND program and its administration.

More detailed information is available in the CHAND semi-annual report.

How do I get more information about CHAND?

All insurance carriers licensed to do business in North Dakota are required to inform individuals that have been rejected or refused health insurance coverage through their company, of the existence of CHAND.

If you have questions or require assistance when completing an application, please contact any licensed agent who sells health insurance in North Dakota or the CHAND Service Center toll-free at 844-363-8457.

How is the program is funded?

Premiums fund approximately one-half to two-thirds of the program. The balance is covered by assessments to companies that write $100,000 in annual premiums on behalf of residents of North Dakota.

Is CHAND's prescription drug coverage creditable?

Yes. A Creditable Coverage Disclosure notice is provided for the Traditional, HIPAA and TAARA subscribers and posted to the CMS website on a yearly basis.


Blue Cross Blue Shield of North Dakota is an independent licensee of the Blue Cross
& Blue Shield Association, serving residents and businesses in North Dakota.