Preferred Plans for Small Business

Our Preferred Plans provide the best value for your business and connect your employees to cost savings and comprehensive health benefits. These plans combine the strength of the Avera network with more than 1,200 providers and the cost-savings of $0 co-pays for primary care, urgent care and chiropractic visits.

Preferred Plans are available for small employer groups in Minnehaha, Lincoln and Brown counties.


Why You Should Consider an Avera Preferred Plan

  • $0 co-pays for primary care, urgent care and chiropractic visits
  • AveraNOW virtual visits at no-cost*
  • Exclusive rates and discounts to Avera Health network, offering you and your employees a more affordable premium
  • Membership discounts at select fitness centers
  • LiveNOW well-being technology
  • The Careington ValuePlus discount program, which offers discounts to vision and travel assistance programs**
  • Opportunity to offer additional ancillary products to employees (dental, vision, Employee Assistance Program)

*IRS guidelines indicate that members with HSA-eligible plans may be subject to tax penalties if they use the free AveraNow service. If you have an HSA eligible plan, you may use your HSA or flex spending dollars for this service you may use your HSA or Flex spending dollars for this service.

**Available to South Dakota ACA small employer group plans only

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Employer Coverage with Avera

  1. Emergency Visit: Emergency room visits are available to members no matter which emergency room they visit if the situation is unexpected and medically necessary.
  2. Second opinions: We offer an extensive network if there are no in-network experts for the specialty you need. Coverage when you need it where you need it.
  3. Working out-of-state: If you have employees who live outside the Avera network, Avera Health Plans can extend their network - no matter where they live. Make sure to ask your agent how this works.
  4. College out-of-state: College-age dependents are covered even if they study out-of-state.
  5. Avera Medical Group: Our plans include a wide network of highly skilled specialties within the Avera health system.
  6. Coverage beyond Avera: Avera Health Plans' provider network includes many independent providers and clinics, including Monument Health and Brown Clinic in Watertown. Search our provider directory to see if your provider is considered in-network.

The Avera Difference

  • You may be eligible for small business health insurance even if you're a two-person operation
  • You can enroll any time and we make switching plans easy
  • Your network includes health systems and providers in all areas of the state, including Monument Health
  • You're covered by Avera quality services with access to:
    • Our extensive network with hundreds of providers and specialists in South Dakota
    • Nationally accredited cancer specialists and research program
    • 24/7 support for questions about cancer treatment and side effects
    • The region's largest orthopedic physician team
    • A level IIIB NICU in Sioux Falls and 16 birthing locations throughout South Dakota

View plan options for employers with less than 50 employees

Call your agent to find out more or find an agent near you.