Ever wonder why you should purchase health insurance?

  • Health insurance protects you and your savings account from unexpected, high medical costs.
  • You pay less for covered in-network health care, even before you meet your deductible because of our partnership with Avera Medical Group.
  • You receive free preventive care including wellness exams, vaccines and depending on your age, preventive screenings like mammography and prostrate. Check out the list of preventive services here.
  • Some of our new plans include two additional free visits with your primary care physician — your Summary of Benefits and Coverage will identify the specific free services covered by your plan.
  • We will help you get healthier. Our online wellness resource is available for free to most members.

How to Identify the Best Health Plan

Here are some helpful tips to identify the best health plan for you:

Look beyond the premium payment.

Find a premium that works with your monthly budget but also review and compare the co-pays, coinsurance, deductible and out-of-pocket maximums to really see how the plan will impact your family budget. The benefits within the plan will make a difference when it comes to seeing your doctor.

Make sure you understand how much you'll pay when you visit a doctor.

A co-pay is a fixed amount you'll pay when you receive a service. Coinsurance is a percentage of the costs for services you'll pay. You'll pay the full amount for the visit with an HSA-compatible plan until the out-of-pocket maximum is reached. Remember, no matter what the plan, most preventive services will be free.

Identify a deductible and out-of-pocket maximum you can manage with your savings.

If you would have an illness, identify the deductible amount you could afford — as this is the amount you owe for health care services your plan covers before your health insurance or plan begins to pay. Your out-of-pocket costs will include expenses for services that are not reimbursed by insurance such as deductibles, co-pays and coinsurance.

Remember that having a network is important and cost-effective.

A great health care team will identify best pricing to reimburse you for a health care service or procedure. You may get a better monthly premium with one health insurance carrier, but if they don’t have a network of providers who understand the benefits of working together to provide you a better network, you'll pay more in the end. With our team of health care providers and health insurance working together, you'll pay less.

Look for additional perks with your health plan.

New plans may offer two free visits or co-pay options vs coinsurance. Ask your agent what makes this plan standout above the others. Avera Health Plans believes you should have options because no two people are the same when it comes to a health plan. Learn more about our perks

Get a Quote and Apply Now!

With Avera Health Plans, you have variety of health care plan options to choose from. You are only a few clicks away to get started.

Contact us at 1-855-692-8372 or Sales@AveraHealthPlans.com to get a quote and answers to all of your questions.

Helpful Tips to Identify the Right Health Plan

Find more information about our plan coverage in the video below or our Consumer Guide.