Health Insurance Plans for Employers

DAKOTACARE is different from any other South Dakota health insurance agency. We care about improving your health...not just providing insurance to cover it. That’s why all of our plans offer comprehensive coverage, preventative care programs and flexible deductible options.

We’re health insurance experts...so you don’t have to be. DAKOTACARE Flex helps our members save money by allowing them to pay group health care premiums, unreimbursed medical expenses and dependent care expenses with pre-tax dollars.

DAKOTACARE COBRA delivers employers complete administration and management services for benefits mandated under COBRA (the Consolidated Omnibus Budget Reconciliation Act) and state continuation laws.

DAKOTACARE does just what our name says it does. We care about South Dakota. That’s why we’ve created four group plans that let you be in control of your health care costs while helping your employees live happier, healthier lives.

2018 Plans

Compare 2017 Plans

Employers should take into consideration all full-time, part-time, and seasonal employees when determining the number of employees for this.

Employers should take into consideration all full-time, part-time, and seasonal employees when determining the number of employees for this.

Choice Plan
Select Plan
Ultra Plan
Reserve Plan
Plan Options
Choice Plan
Select Plan
Ultra Plan
Reserve Plan
Physician Office Visits

$25 copay (office visit component) / 100% (deductible waived)

Coinsurance % after deductible

$30 Universal copay / 100% (deductible waived)

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Ambulatory Patient Services

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Emergency Services

$150 copay
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(copay waived if admitted)

$150 copay
Coinsurance % after deductible
(copay waived if admitted)

$150 copay
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(copay waived if admitted)

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Hospitalization

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Maternity and Newborn Care

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Mental Health and Substance Abuse DisordersImpatient, Outpatient or Partial Hospital Care

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Prescription Drugs

Deductible/Coinsurance/Out-of-Pocket Maximum options have either Modified B or Modified E Pharmacy Benefit available.

Rehabilitative and Habilitative Services

Coinsurance % after deductible

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Laboratory Servcies

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$30 Universal copay / 100% (deductible waived)

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Preventative and Wellness Services

Covered preventive health services provided by a Participating Provider are not subject to Deductible, Coinsurance or Copayment. Find a complete list of available Preventive Health Services.

Pediatric Dental & Vision

Included

Included

Included

Included

Choice Plan
Select Plan
Ultra Plan
Reserve Plan
Choice Plan
Select Plan
Ultra Plan
Reserve Plan