How Your Insurance Works When You Travel

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For guidance and answers to your health insurance questions, talk with one of our experts by calling 1-888-322-2115, Monday - Friday, 8 a.m. - 5 p.m. (CT) or email us.

If you're traveling outside of the Avera Health Plans service area and need immediate medical care, please present your member ID card to the physician or hospital caring for you and identify yourself as an Avera Health Plans member. Instructions for billing and notifying us are on the back of your card.

When it's medically appropriate, arrangements may be made for you to transfer to the care of an in-network provider in order for you to receive benefits at the lowest cost.

It's important to note that you may be required to pay for medical services at the time they're provided, but you'll be reimbursed for any covered services.

Learn more about the convenient after-hours and emergency care you have access to as an Avera Health Plans member.

Medicare Supplement Insurance Coverage While Traveling

If you have Avera Health Plans Medicare Supplement Insurance and are traveling outside of the service area, necessary health services will be covered from the first day you receive services through the 90th day in one calendar year (January - December). Travel must be for purposes other than the receipt of medical care.

If traveling within South Dakota, you may use any hospital or surgical center listed in the Network Hospital Directory for Select Plans [PDF]. This restriction does not apply for Standard plans.

Emergency Care for Medicare Supplement Insurance Plan Members

In the case of an emergency while traveling, Avera Health Plans benefits will be paid at any Medicare-approved hospital or clinic for up to 90 days.

If you need treatment that's not available from an in-network hospital, you or your physician should call 1-888-322-2115 or email us for admission procedures to a non-network hospital.

Health Insurance Traveling Tips

Before you travel, follow these tips to make sure you have all the information ready in case you need medical attention while away from home.

  1. Download the MyHealthPlan mobile app. Member ID cards are available 24/7 on your smart phone for you and/or all your dependents.

    Note: If you don't download the MyHealthPlan app, make sure to pack your member ID card to take a picture of the front and back of it with your smartphone. It has all of the important numbers and plan information that you'll need to receive health care services.

  2. Add our Member Services direct phone number (605-322-4545) into your phone contacts so it's easily accessible to you.

    Note: The toll-free number (1-888-322-2115) may not work while traveling overseas. You can also find all contact information in the MyHealthPlan mobile app.

  3. Make sure you have enough of all of your medication(s) and, if needed, request a refill at your home pharmacy before you leave. Your pharmacy may be able to refill your medications early in order to allow for your vacation plans.