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.

How do you figure the cost of your health insurance coverage?

We can help you find an in-network provider or make sure your current facility or provider is in-network.

  1. Call our Service Center toll-free at 1-888-322-2115, 8 a.m. to 5 p.m. CT, Monday through Friday.
  2. 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.

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 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:

Calendar with red circled date and marker

Upcoming Events

Find upcoming events and classes throughout the Avera region!

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.

Maximize Your Health Insurance with Value-Added Services

Depending on your specific plan's benefits, you may be able to take advantage of value-added services. To learn more abut which value-added services are available to you, talk with your employer.

Update Your Health Coverage Information

Need to update information related to your health plan? You can download and fill out the necessary form(s) below.

MyHealthPlan Mobile App

Download the free MyHealthPlan mobile app to easily connect with your benefits on the go. With the MyHealthPlan app, you'll have a virtual copy of your member ID card and can:

  • Access your eligibility information
  • Request a replacement ID card
  • Ask a question
  • Check a claim
  • Find an in-network provider
  • Look up pharmacy drug lists
  • View year-to-date balances on your deductible and out-of-pocket costs

Download on the App Store

Get it on Google Play