Robust Provider Network
When you partner with Avera Health Plans, you can offer a comprehensive benefits package that includes health insurance coverage with our robust network of providers and health care facilities.
Extended Network
Our extended network through UnitedHealthcare offers access to 6,500 hospitals and 1.3 million providers across the nation. This advantage ensures employees who work outside the Avera network get comprehensive coverage.
TotalChoice — Broadest Network Available
TotalChoice is a product for small and large employer groups in South Dakota and select northwest Iowa counties. TotalChoice is our newest 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
ConnectPlus
The ConnectPlus network features Avera and other independent providers and facilities across the state of South Dakota, northwest Iowa and Nebraska.
DirectConnect
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.’ To ‘The DirectConnect network features Avera owned, managed and leased providers and is available to employers headquartered in or with locations 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.
Additional Coverage
As an employer, you choose from optional additional coverage – from additional vision insurance to short- and long-term disability and much more.
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Value-Added Services
Avera Health Plans offers a variety of value-added services to complement the benefits that group plans provide. Depending on the group plan selected, value-added services may differ.
Value-Added Services for All ACA Small Group Businesses
Your employees receive several value-added services. For example, South Dakota, Iowa and Nebraska ACA small group members receive the following value-added services:
- ActiveLife fitness membership reimbursement program
- Employee Assistance Plan (EAP) at no cost
- Virtual visits for convenient, 24/7 care
- Well-being services
- Coverage of heart screenings through Planet Heart and other participating providers
Virtual Visits
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,1 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. Some limitations apply. Dermatology and lactation consultations are available but may not be covered. Standard visit fees may apply.
Life Insurance
Additional life insurance options are available for purchase to all qualified groups.
Fitness Center Discounts
Through our ActiveLife program, your employees participating in a health insurance plan may be eligible to receive discounts or memberships to South Dakota fitness facilities.
COBRA Services
All group businesses receive COBRA administration services at no additional fee, if you elect. Services are compliant with COBRA/Continuation of Coverage administration requirements.
Employee Assistance Program (EAP)
The Avera Health Plans EAP offers confidential counseling sessions with a licensed mental health professional at no cost for employees, spouses and eligible dependents.
- EAP can help with issues such as parenting, marital counseling, balancing work and home life, depression, anxiety, grief and more.
- The three-visit EAP benefit is included in all South Dakota and Iowa ACA small group plans. All group employees and their family members each have access to a total of three EAP visits every year at no cost. These visits are available even if the employee opts not to enroll in coverage from Avera Health Plans.
- All groups have the option to expand access with the purchase of a five-visit benefit option. The five-visit benefit is available to the subscriber, spouses and eligible dependents.
When you offer a health insurance plan that helps them move their health forward, you’re investing in your team’s lives and their productivity for your business.
Well-Being Services
Well-being services connect employees with resources to improve or manage their holistic health. Services encourage long-term wellness through engagement opportunities, personalized health plans and education. Health coaches and nurse case managers help identify a clear path to maintain a lifetime of well-being.
As an employer, you have the opportunity to manage health care costs while pinpointing the current and potential care needs of your staff.
Employees benefit from personalized health services, such as:
- LiveNOW online portal and app
- Health risk assessments
- On-site or virtual screenings
- Health coaching by referral
- PerkSpot member discount platform
Learn more about well-being services
FSA and HSA Services
Avera Health Plans offers Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) at no additional fee, if elected.
