Blue Cross Blue Shield of North Dakota denied your claim. Here is your deadline.

You are not alone, and here is the measured version of that sentence: 54,706 in-network claims were denied by Blue Cross Blue Shield of North Dakota in North Dakota in a single plan year. A denial rate is a fact about an insurer's book of business. It is not a judgment about you, and it is not the last word on your claim.

• Of the 3 insurers reporting a denial rate in North Dakota, Blue Cross Blue Shield of North Dakota is the second highest at 7.1%. The highest in the state is 23.8% and the lowest is 3%.
• That is 8.6 percentage points below the 15.7% national average across this dataset, and 0.3 points above the North Dakota average of 6.8%.
• Behind the percentage: 768,234 in-network claims were processed under 14 plans in North Dakota, and 54,706 of them came back denied.
• For every 10,000 claims Blue Cross Blue Shield of North Dakota denied, about 4 came back as an internal appeal. The other 9,996 stopped at the letter.
• Its most-recorded denial reason is other reasons at 90.2% of its categorized denials, against 32.4% nationally, a heavier share than the country as a whole. That is the denial mix, not an outcome rate.
• Blue Cross Blue Shield of North Dakota accounts for 51.7% of every in-network claim denied in North Dakota in this file.
• By raw volume it is the 100th largest source of denials among the 135 insurer-state records in the file that report one.
• After that, its second-most-recorded reason is provider out of network, 2,830 claims, 6% of its categorized denials.
• Third on its own list is referral required, 781 claims, 1.7% of what Blue Cross Blue Shield of North Dakota categorized in North Dakota. Between them the top three account for 97.9% of its categorized denials.
• Where Blue Cross Blue Shield of North Dakota differs most from the national mix is other reasons: 90.2% of its categorized denials in North Dakota against 32.4% across the file.
• Read the other way round: 713,528 of those 768,234 in-network claims were paid, 92.9% of everything Blue Cross Blue Shield of North Dakota processed in North Dakota.
• Spread across the 14 plans it reports in North Dakota, that is about 3,908 denied claims per plan, on about 54,874 claims processed per plan.
• Its reason columns add up to 47,317 categorized rows against 54,706 denials, 86.5% of them, and every reason share on this page is a share of that first figure rather than of the second.
• Its smallest recorded category in North Dakota is benefit limit reached, 14 claims, 0% of what Blue Cross Blue Shield of North Dakota categorized there.
• Against the file as a whole, this one record is 0.1% of the 83,907,852 in-network claim denials reported by every issuer in it.

What happened to appeals

What that record means for your own Blue Cross Blue Shield of North Dakota letter, and by when. Blue Cross Blue Shield of North Dakota recorded 54,706 denials in North Dakota and no separately reported appeal outcome, so this page cannot tell you how its North Dakota appeals went, the Blue Cross Blue Shield of North Dakota rows in the plan-year 2027 release of the CMS Transparency in Coverage file, read November 4, 2026 (data.healthcare.gov). Whichever way that lands, nobody files the appeal for you, and the filing runs on a clock set by which plan you hold: an employer or Marketplace plan gives you at least 180 days from the denial notice to file the internal appeal (29 CFR 2560.503-1(h)(3)(i), carried onto individual-market coverage by 45 CFR 147.136(b)(3)(i)), while Medicare Advantage gives you 65 calendar days from the date of its notice (CMS, 42 CFR 422.582(b)) and Medicaid managed care 60 calendar days from the date on the notice (42 CFR 438.402(c)(2)(ii)), both stages free, and the three steps above are the whole of what to do tonight, so take the date printed on your Blue Cross Blue Shield of North Dakota notice and file well inside whichever of those windows is yours. The free steps are above; the $29 kit is the same clock with the letters pre-filled for Blue Cross Blue Shield of North Dakota in North Dakota. One payment. No subscription. No cut of your claim.

Blue Cross Blue Shield of North Dakota inside North Dakota

Your denial did not happen in a national average. It happened in a state market, alongside 2 other insurers reporting into the same federal file, and these are that market's own figures.

• Across the whole of North Dakota, the 3 insurers reporting in this file processed 1,557,969 in-network claims and denied 105,786 of them, a state denial rate of 6.8%. Blue Cross Blue Shield of North Dakota is one of those 3.
• That puts North Dakota 28th of 29 states by denial rate, 8.9 points below the 15.7% national average, before you get to what Blue Cross Blue Shield of North Dakota did inside it.
• North Dakota recorded 227 internal appeals against those denials: one appeal for every 466 claims the state's insurers refused. Blue Cross Blue Shield of North Dakota's own ratio is one for every 2,279.
• Not one denial in North Dakota reached independent external review in the reported year, not Blue Cross Blue Shield of North Dakota's and not any other insurer's in the state. That is the stage whose decision the plan is required by law to accept.
• The reason North Dakota's insurers record most often is other reasons, 61,258 claims, 69.9% of the state's categorized denials. Blue Cross Blue Shield of North Dakota records the same one most often, so your letter is likely to say it too.
• The other insurers a North Dakota reader could have bought from run from 23.8% (Medica Health Plans) to 3% (Sanford Health Plan). Blue Cross Blue Shield of North Dakota at 7.1% sits between the two.
• Put the two together and Blue Cross Blue Shield of North Dakota is responsible for 51.7% of every in-network claim denied in North Dakota in this release, from 49.3% of the claims the state's insurers processed.
• Every North Dakota figure in this section is that state's own row in the same federal file Blue Cross Blue Shield of North Dakota's numbers above come from, CMS Transparency in Coverage Public Use File (PY2027 release, PY2025 claims), data.healthcare.gov — US Government public domain, and the full North Dakota page is free at /states/north-dakota.

What Blue Cross Blue Shield of North Dakota denies most

The most common denial reason recorded for Blue Cross Blue Shield of North Dakota plans in North Dakota is other reasons. How that denial is beaten →

The last column is each reason's share of all categorized denials nationally, so you can see where Blue Cross Blue Shield of North Dakota's mix in North Dakota differs from everyone else's. This is denial mix, not overturn rate by reason, the federal file does not report appeal outcomes broken down by denial reason, and we do not imply otherwise.

The three steps at the top of this page are the whole of what you have to do tonight. The longer version, what the internal appeal has to contain, how the independent stage works, and how to ask for expedited handling when waiting would seriously jeopardize your health, is published free here.

Questions

Everything you need for your Blue Cross Blue Shield of North Dakota appeal in North Dakota: your two deadlines, the argument that fits your denial reason, the letters, a brief for your doctor on what the reviewer checks, and the external review request. One payment. No subscription. No cut of your claim. Opens on screen the moment you pay. 14-day refund, no questions, one email to hello@getaxionlabs.com.