employees talking around table

DirectConnect Network Plans

DirectConnect network plans benefit both employers and employees who want quality care at the most competitive price possible. These plans (previously called Avera Direct) include a variety of premium and deductible levels based on budget and needs.

Perks of DirectConnect Network Options

  • Lower premium costs
  • Budget-friendly for employer and employee
  • Easy on the wallet for employee
  • Care options from in-network doctors and facilities
  • Coverage for emergency and urgent care outside of network

Budget-Friendly Health Insurance Solution

Network plans like DirectConnect are increasingly part of the solution to decrease premiums for both the employer and employee. Access additional coverage options — such as value-added services or ancillary products — based on the size of your company.

DirectConnect plans remain available to eligible employers headquartered in Brown, Lincoln and Minnehaha counties. New for 2026, DirectConnect plans are available to eligible employers headquartered in the following counties: Aurora, Clay, Davison, Douglas, Hanson, Hughes, Hutchinson, McCook, Stanley and Yankton.

DirectConnect Network Group Plans

With DirectConnect network group plans, the insurance provider can often negotiate lower reimbursements, which can mean lower costs for members.

Direct Plans

DirectConnect plans remain available to eligible employers headquartered in Brown, Lincoln and Minnehaha counties. New for 2026, DirectConnect plans are available to eligible employers headquartered in the following counties: Aurora, Clay, Davison, Douglas, Hanson, Hughes, Hutchinson, McCook, Stanley and Yankton.

  • Available to employer groups who reside in Minnehaha, Lincoln and Brown counties in South Dakota
  • Offers free1 visits to primary care physicians before having to pay a co-pay, including primary care, chiropractic and physical/occupational/speech therapy visits.
  • Includes providers within Avera Health as well as non-Avera clinicians to ensure network adequacy

DirectConnect Network FAQ

Are there restrictions with DirectConnect network plans?

This is a common misconception. DirectConnect network plans decrease premium costs, not access to health services. You get the same comprehensive specialty care, though the variety within each specialty area may change. Your insurance provider will fill in gaps of coverage as necessary.

If a member needs a health care service that’s not available in-network, they may be covered by an out-of-network prior authorization or referral from an in-network provider. Additionally, members are always covered for emergency or urgent care visits while traveling out-of-network.

How many providers are in-network?

The Avera network includes many providers and 60+ specialty areas across South Dakota, northwest Iowa and northeast Nebraska. The vast network of specialists provides members with peace of mind that employees will be covered when they need it.

What happens if my employees have coverage questions?

Employer groups are paired with a client relationship executive to help with the details of their plan, while employees have access to customer care representatives. Employees also get a host of services and added benefits to plans. Plus, our experienced customer care team is here to help answer coverage questions.

Does a DirectConnect network plan cover the cost for preventive care?

Yes. Most health insurance plans cover preventive health services as recommended. That means employees don’t pay for preventive care like physical exams, screenings and immunizations. This also includes cancer screenings, such as yearly mammograms and colonoscopies.

Will my employees be covered outside of the network?

Coverage for emergency and urgent care situations is always a given and available when out-of-network for employees in specific counties. Otherwise, employees and dependents must reside in the coverage area to be eligible for in-network coverage.

Are virtual visits covered?

Yes. Avera Health Plans Virtual Visits offer convenient, 24/7 access to care from the comfort of your home. In addition to urgent care for common illnesses like the flu or sinus infections and behavioral health support,2 you can now connect with providers for dermatology consultations and lactation guidance.

Virtual visits are available to all members over the age of 2 and can be used anywhere in the United States.

Urgent care and behavioral health visits are covered benefits for most members. Dermatology and lactation consultations are available but may not be covered; standard visit fees may apply.

For most members. Some limitations apply.

1Check your summary of benefits to verify the benefits on your plan.

2For most members. Some limitations apply.

Get Started

Our local team is happy to help make sure you have the right plan for your health care needs and budget.

Request Quote Call 605-504-3362 Find Local Agent