What is a policyholder?

A policyholder is a person who owns a health insurance policy, often referred to as a "subscriber" in North Dakota. They are the main person responsible for making sure that their health insurance policy covers their medical expenses. A policyholder can be an individual or a family, depending on the type of health insurance policy they have. In North Dakota, when an individual purchases a health insurance policy, they become the policyholder. This means they are the main person responsible for making sure their health insurance policy covers their medical expenses, such as doctor’s visits, hospital visits, and medications. The policyholder pays monthly premiums to the insurance company to maintain the policy. When a family purchases a health insurance policy, the policyholder is typically the primary wage earner in the family. The policyholder pays the premiums to the insurance company, and is the main person responsible for making sure the health insurance policy covers the medical needs of all family members. In North Dakota, the policyholder is legally responsible for understanding and following the terms of their health insurance policy. This includes understanding how the policy works, what is and is not covered, and following rules regarding preauthorization, referrals, and copays. A policyholder should also understand their rights as a policyholder, as well as any regulations outlined in the North Dakota health insurance law.

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