You officially become a member after we receive your first month’s premium. New members must make their first payment at the time of enrollment or, if you enrolled for Individual On-Exchange coverage, by the avenue outlined when you receive your initial invoice.

For members with Individual On-Exchange, Off-Exchange or Medicare Supplement plans who enroll in auto pay, payments will automatically come out of your bank account on the 26th of the month prior to your coverage period.

IMPORTANT: With our transition to Epic for our electronic medical record and member system, all online payments (one-time and auto pay) will show on your bank or credit card account as Waystar or Patientco instead of Avera Health Plans.

• To confirm that your payment was received, we recommend contacting your bank or reviewing your bank statement to verify that the payment has been withdrawn from your account.
• Members with Individual Off-Exchange and Medicare Supplement plans can also view payment activity through the MyChart portal in the Billing section.
• Employer groups can see this information in the Employer Link portal.
• If you mail a check or drop off a payment, please allow 72 hours (three business days) for Avera to process your payment.
• If you pay online through healthcare.gov, you should receive an automatic email to confirm your payment was successful.

Automatic monthly payments are available for individuals who don't have an employer-provided health plan. Members who receive health insurance through an employer will have their premium payment deducted by the employer through their payroll.

You can set up your auto pay for your initial payment after you sign up for a plan with us. Depending on when you enroll and your effective date, there may be times when two months of premiums are drafted at once.

Yes, on-exchange members can make an online premium payment in the Avera MyChart member portal.

We recommend setting up auto pay so you don’t have to worry about paying a premium each month and so future payments are processed in a timely manner.

For your first premium payment, you must pay the entire amount at once. However, for future payments you can make a partial premium payment. Full payment of your premium is required before the end of the grace period to avoid termination and possible refund of payment (one payment per day only).

When making a partial payment online, you can enter any dollar amount equal to, more than or less than the premium owed. Each payment made will be applied to the balance due.

1. Log into Avera MyChart.
2. Select the Billing tile on your home screen, or in the menu, search for or navigate to Premium Billing under the Insurance section.
3. On the Premiums page, review your invoice statements, which may include options to see invoice history, make a payment or set up auto pay.
4. To make a one-time payment, choose Make a payment. Select one option to either Pay amount due or Enter other amount, and enter that dollar amount. Select Next.
5. Select one of two options:

• Existing payment account (if already set up) and then Next.
• New Payment Method and then Manage your saved payment methods. Enter your payment information and complete the on-screen steps to add the account.

6. You’ll have a chance to review your payment to ensure the payment is set up properly. Select Submit to finalize your payment and begin processing it.

If you have a current balance on your account, setting up auto pay will not pay that balance. It will take effect on future balances. You must make a one-time payment for an existing balance.

To set up auto pay:

1. Log into Avera MyChart.
2. Select the Billing tile on your home screen, or in the menu, search for or navigate to Premium Billing under the Insurance section.
3. On the Premiums page, if you have a premium available and showing, select Set up auto pay.
4. The payment day automatically defaults to the 26th of the month. If you prefer, you can change your payment to a number between 26 and 1 for the day of the month for the next month’s premium payment. Choose Next.
5. Select one of two options:

• Existing payment account (if already set up) and then Next.
• New Payment Method and then Manage your saved payment methods. Enter your payment information and complete the on-screen steps to add the account.

6. You’ll have a chance to review your auto payment details to ensure it’s set up properly. Select Confirm. You’ll see an auto payment confirmation screen.
7. If you have an existing balance on your account, you will see an on-screen message about that. The auto pay you just set up does not pay that balance. Select Make a payment and follow the on-screen steps to make a one-time payment for that balance.

In Avera MyChart, you can manage your preferences for paper or paperless premium invoices. Most members are already opted in to paperless billing.

1. Log into Avera MyChart.
2. Select the Billing tile on your home screen, or in the menu, search for or navigate to Premium Billing under the Insurance section.
3. On the Premiums page, look for the leaf icon next to information about paperless invoices. Select Paperless preferences.
4. Under Contact Information, you may see a prompt to add or edit your email or mobile address on file to receive these electronically if you wish. Select Edit contact information and follow the on-screen steps, then choose Save changes.
5. Next to Paperless Premium Invoices, toggle the setting to either activate paperless delivery or opt out and receive mailed paper invoices. On this same screen, you may also see toggle options for:

• Paperless Billing: This is intended for health system/health care billing if you’re also a patient of Avera or a partner site. Toggle the setting if you wish.
• Paperless Explanation of Benefits: For health plans members, toggle this setting to receive your EOBs electronically or via mail.

6. Click Save changes.