INSURANCE COMPANIES WE ARE CONTRACTED/IN-NETWORK WITH:
- Wellmark/Blue Cross Blue Shield of SD (selected plans in NE, WI, and IA)
- Avera
- Sanford
- Dakotacare
- Anthem
- Aetna
- Medicaid
- Tricare
- United HealthCare
- UMR
- Cigna
INSURANCE COMPANIES WE ARE NOT CONTRACTED/OUT-OF-NETWORK WITH:
- SanfordTRUE plans
- BCBS ND and MN
- HealthShares/Co-ops
- All other carriers
SOME ADVICE WHEN DECIDING ON YOUR INSURANCE PLAN:
When you’re looking at medical insurance plans it’s really important to take all expenses into consideration. That means calculating your out-of-pocket for the year for your monthly premiums, the total max out-of-pocket deductible, whether or not you choose a PPO plan with a copay, and any other medical needs you may have (prescriptions, home medical devices, etc.). Are you interested in a Flexible Spending Account (FSA) to help pay for your medical bills? This is something to add to your monthly/yearly expenses as well.
It may seem appealing to pay less per month for your premiums, but if you have a child who needs some extra care or you have an illness or condition that requires regular provider appointments, medication and testing you may be paying more than if you chose a plan with a higher premium and lower deductible. Some families may not need to go to the doctor very much, so a high deductible plan would work well for you! If you have any questions about this, please feel free to reach out. Jessica is a CPB and has years of HR experience guiding people through this decision process.
INSURANCE RESOURCES:
- Wellmark BCBS: www.wellmark.com
- Avera: https://www.averahealthplans.com/insurance/?redir=4
- Sanford: https://member.sanfordhealthplan.org/portal/
- Dakotacare: https://access.dakotacare.com/
- Anthem: https://www.anthem.com/
- Aetna: https://www.aetna.com/about-us/login.html
- Tricare: https://www.tricare-west.com/
- United HealthCare: https://myuhc.com
- UMR: https://umr.com
- Cigna: https://mycigna.com
- South Dakota Medicaid: https://dss.sd.gov/medicaid/recipients/default.aspx