Employer Provided Insurance
Know the Difference
In-network and out-of-network are common health insurance terms but do you know how they benefit you? Understanding the meaning and how it relates to your plan can help.
This infographic will help guide you in learning what you pay, what insurance pays, and how to get the most from your plan.
We can help you find an in-network provider or make sure your current facility or provider is in-network.
- Call our Service Center toll-free at 1-888-322-2115, 8 a.m. to 5 p.m. CT, Monday through Friday.
- Log into you member portal and search the provider directory.
Welcome to Avera Health Plans!
If you have Avera Health Plans insurance through your employer, you're in the right place.
Take time to discover more about the comprehensive health coverage, benefits and resources you have through Avera Health Plans. Here you'll find the information you need to make informed health care decisions, get the most of your coverage, control your health care costs and be empowered to live a healthy life.
If you're a new member, the first step is to learn more about your health plan, including when to expect your member ID cards.
If you're a new user, register for your account here. You'll need your member ID number and group number (both found on your member ID card) to log in and create a username and password. If your policy is effective, but you haven't received your member ID card yet, you can call 1-888-322-2115 to request the information you need to register.
What does my insurance cover?
Because each health plan is unique, the best way to find out what your insurance covers is to login to your secure member portal.
Certificate of Coverage (COC)
Explains your policy including services and procedures that are covered or not covered by your health plan
Explanation of Benefits (EOB)
Provides information about your claims and how they were processed
Summary of Benefits and Coverage (SBC)
Identifies what your costs will be and provides other benefit-related information
While online, you can also:
Benefits of Your Employer Provided Health Plan
In addition to providing coverage for a variety of health services and procedures, your health plan offers access to:
Your Avera Network Advantage
As an Avera Health Plans member, you benefit from having access to our wide network of providers and advanced services, which cover a variety of medical specialties.
Our provider network includes Avera Health - with locations across South Dakota, Minnesota, Iowa, Nebraska and North Dakota - including Regional Health in Rapid City, SD. Choose from over 92 hospitals and 4,300 physicians and licensed practitioners.
Login to the member portal to find an in-network provider near you.