Employer Provided Insurance
Get Care at the Right Place for the Best Cost
Did you know that more than 70%* of emergency department visits could have been taken care of in the urgent care or primary care clinic? Learn when to choose the emergency room vs urgent care, and when a virtual visit may be an even better option. Learn more.
*IBM Watson/Truven Health Analytics
8 Tips to Save on Health Insurance Costs
Learn what you can do to keep costs down for your health coverage. Learn More.
How Your Insurance Works When You Travel.
If you are traveling and need to visit urgent care give us a call once you've received your explanation of benefits. Learn more about using your insurance when you travel.
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.
Getting Started
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. 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.
