Health insurance agent talking with couple.

Moving Health Forward

Comprehensive Health Insurance Coverage

Our health insurance connects you with coverage — and gives you resources to stay healthy today and in the future.

Employer Group Insurance

Benefits and plans for two-person startups or multi-million-dollar operations — and all types of businesses in between

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Individual and Family Insurance

Comprehensive coverage for people who aren’t offered insurance through an employer

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Medicare Solutions

Medicare Supplement Plans that help with what’s not covered by Original Medicare

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Your Well-Being Starts with Us

You can stay on track with your goals by working with our team of nurses, pharmacists and member health advocates. They connect you to the services that will help you. 

    Care Management

    Listen to your concerns and needs to help create a care plan.

    Here's how: A member with dyslexia had trouble understanding treatment instructions. The health plans team connected the member to a local nurse to go over the instructions line by line.

    In-Network Care & Virtual Visits

    Connect you to doctors for in-person visits and follow-ups.

    Here's how: A member had virtual follow-up visits with their Sioux Falls, SD, doctor after surgery. This saved time and money on travel.

    Connecting to Care

    Collaborate with community organizations and services.

    Here's How: After numerous falls and trips to the ER, a member health advocate learned there were rugs in the home causing the member to trip. Rugs were removed.

    1 For most members. Some limitations do apply. NOTE: IRS Guidelines indicate that members with HSA-eligible plans may be subject to tax penalties if they use the free Avera Health Plans Virtual Visits service. If you have an HSA-eligible plan, you may use your HSA or Flex spending dollars for this service.
    2 Available to South Dakota ACA small employer group plans only.
    3 Please confirm with your plan administrator if this is a covered benefit for you.

    Your Benefits

    Two women walking around indoor track.As a member, you have access to Avera’s network of providers, along with independent providers in the region, allowing you to maximize your premium dollars. Use your coverage and additional benefits to stay well and get the care you need.

    Included Benefits:

    • 24/7 Virtual Visits: Enjoy round-the-clock access to Avera Health Plans virtual visits, available at no extra cost with most plans.1 This service includes behavioral health and urgent care visits, allowing you to connect with a professional from home for mental health support or non-emergency care.
    • Employee Assistance Program (EAP): Receive counseling sessions at no charge.2
    • Fitness Benefits: Enjoy membership discounts at select fitness centers across South Dakota, plus reimbursements for gym visits through our ActiveLife Program.
    • LiveNOW: Engage with well-being technology to support your health journey.
    • Planet Heart Screenings: Heart and vascular screenings are covered under select plans to help you stay proactive about your health.3
    • Avera Health Plans Rx: Our provider offers an expanded pharmacy network, drug cost comparison tools, home delivery options, and savings with the Avera Prescription Savings Card.

    Learn About Avera Health Plans Products

    Sign up to learn more about how our Medicare solutions, individual, or employer health plans can fit your needs and budget.

    Request info

    Built for Rural Health

    Avera is committed to delivering quality health care in rural locations across the Upper Midwest. Learn More

    How We're Moving Health Forward

    Learn more about our four areas of focus in the communities we serve.

    Or go to the Moving Health Forward main page.

    Health Insurance 101

    Get tips and information on insurance plans, benefits and well-being.

    Read Blog