Large Business Health Insurance

TotalChoice is a product for small and large employer groups in South Dakota and select northwest Iowa counties. TotalChoice is our PPO plan with the broadest network available, including all of South Dakota's major health systems and many trusted regional providers, along with Avera’s local, community-based providers.

TotalChoice plans also include a travel network, using the UnitedHealthcare Options PPO network for national coverage. Customize coverage by freely mixing and matching existing HMO plans alongside the TotalChoice PPO plan options to give employees maximum freedom and choice of plan types and network options.

Explore TotalChoice

Get the flexibility to design and create plans that meet the criteria and needs of your business and employees. These plans are great option for groups wanting a lower monthly premium.

• Offers both medical and pharmacy benefits with preventive benefits covered at 100%
• Option to personalize benefits, including Vision and Employee Assistance Program (EAP)
• Design and create plans that meet the criteria and needs of your business and employees

• The DirectConnect network features Avera owned, managed and leased providers and is available to employers headquartered in Aurora, Brown, Clay, Davison, Douglas, Hanson, Hughes, Hutchinson, Lincoln, McCook, Minnehaha, Stanley and Yankton counties in South Dakota – providing access to more than 2,000 providers. This network provides zero out-of-network coverage.
• Offers no-copay¹ visits for primary care, chiropractic, and physical, occupational, and speech therapy services before copays apply. Refer to plan documents for applicable visit limits, benefit details, and exclusions.
• Network is primarily Avera providers and facilities for cost savings
• Great for employees who want a more affordable monthly premium

• Offers both medical and pharmacy benefits with preventive benefits covered at 100%
• Simplified cost sharing with a single office visit copay for covered services provided during a provider office visit.
• Inclusive office visit copay for most services performed during the visit. Excludes PET, MRI, CT, SPECT, cardiovascular and nuclear medicine services, MRA procedures and specialty medications. Refer to plan documents for benefit details, limitations and exclusions.

-Possible update: AHP would like to highlight MyWeighForward Plans as they are seeing weightloss prescriptions are a large part of employee satisfaction. Does Digital or Content have a suggestion on where to best include in this page's layout? It could be a sentence, bullet or menu tab call out.

• Offers both medical and pharmacy benefits once deductible is met with preventive benefits covered at 100%
• Offers a higher deductible and lower premium than a traditional plan
• Can be paired with a Health Savings Account (HSA) for tax benefits
• Great option for group who wants a lower monthly premium
• Puts employee into the driver’s seat of health care