Small Business Health Insurance

Are you looking for small group employer coverage? We offer health insurance to South Dakota and Iowa businesses with 2-50 employees. Browse our plans and reach out to our trusted local agents, who understand the needs of small businesses like yours.

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Small Group Plans

Your employees are a critical asset to keep operations running. Get details on our small group plans in South Dakota and Iowa.

South Dakota Plans Iowa Plans

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.

Additional Coverage

As you 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 Business

Your employees receive several value-added services. For example, South Dakota ACA small group members receive the following value-added services:

  • $15,000 of life insurance coverage
  • Free or discounted fitness memberships available at select fitness facilities if a location is near you
  • Employee Assistance Plan (EAP) at no cost
  • Avera Health Plans Virtual Visits* at no cost
  • LiveNOW well-being technology

Virtual Visits

With Avera Health Plans Virtual Visits, employees get free, 24/7 access to online provider visits for urgent care.1 These visits are covered 100% for fully insured groups.

Life Insurance

Your employee plan subscribers receive a $15,000 life insurance policy.2 Additional life insurance options are available for purchase to all qualified groups.

Fitness Memberships

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 with all South Dakota 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 Programs

Our well-being programs include population health services, which is a comprehensive umbrella of engagement opportunities and resources for employers and employees to experience holistic health care.

We'll provide members opportunities to improve their long-term well-being while allowing employers to proactively manage health care costs and better pinpoint the current and potential care needs of employees. Services available include:

LiveNOW Employee Well-Being Program

  • Group-specific well-being portal
  • Health Risk Assessment
  • On-site screenings or virtually delivered screenings
  • Health coaching by referral

Learn more about LiveNOW.

Personal Health Services

  • Nurse case management
  • Pharmacy and medication adherence solutions
  • Quality and data reporting
  • Member health advocates

Your Trusted Partners in Health

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Get Started

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

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You can also call our sales team toll-free at 877-322-4885.

1 For most members. Some limitations apply. NOTE: IRS guidelines indicate that members with HSA-eligible plans may be subject to tax penalties if they use the free virtual visits. If you have an HSA-eligible plan, you may use your HSA or Flex spending dollars for this service. 2 Available to South Dakota and Iowa ACA small group plans only.

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