Avera Health Plans Optional Products & Services
Avera Health Plans (AHP) offers a range of optional products/services.
These optional products/services include:
If you are interested in any of these optional products/services, please click on the products/services listed above to learn more.
Vision Services Rider
In addition to the benefits provided in our standard group benefit plans, Avera Health Plans (AHP) offers employers the opportunity to purchase a routine vision benefit for their employees. AHP contracts with Vision Service Plan (VSP), the nation’s largest provider of routine eye coverage. Nationwide, VSP provides access to more than 18,300 eye doctors. The benefits that are included are:
- One refraction examination per calendar year with a participating VSP provider
- 20% discount on certain lenses and frames purchased from the VSP provider during the 12-month period following the exam
- 15% discount on contact lens services, for the VSP providers professional services
AHP members who have this benefit included in their plan can locate a VSP provider for services by referring to a VSP brochure, which is provided in their membership materials, at www.vsp.com or by contacting the AHP Marketing Department at 605-322-4545 or toll-free at 1-888-322-2115 Monday – Friday 8:00 am - 5:00 pm CT.
Family Planning Rider
Avera Health Plans (AHP) has contracted with an outside vendor, Unified Life Company, to provide network access, processing of claims, member education and payment to providers for family planning services. Family planning services are not mandated in South Dakota, however are mandated in Iowa and Minnesota. South Dakota groups may purchase a rider to include these services. When the services are part of the purchased benefit, the subscriber receives the Unified Life information in their AHP welcome packet. The Unified Life envelope contains the following items:
- Benefit Notice that explains the coverage
- Contraceptive Benefit Fee Schedule
- List of Participating Providers
To learn more, please refer to the Producer Guidelines Manual or contact AHP Marketing Department at 605-322-4545 or toll free at 1-888-322-2115 Monday - Friday 8:00 am - 5:00 pm CT.
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Flexible Spending Account
Avera Health Plans (AHP) offers its employer groups Section 125 Cafeteria Plans. These plans include:
- POP-Premium Only Plan-Insurance premium dollars are taken from the total wages before taxes are calculated thus lowering the taxable wages. The employer will pay the carrier for the premiums, which saves the employer on FICA, FUTA, and SUTA (depending on state) taxes. There is no charge for enrolling in a Premium Only Plan.
- Section 125 Cafeteria Plan-This includes the Premium Pass, Flexible Spending Account (FSA), and Dependent Care Assistance Plan (DCAP). The FSA and DCAP allow the employee to pay for unreimbursed medical expenses and dependent care expenses with pretax dollars, subject to yearly maximums.
The charges for a Full Cafeteria Plan include:
- Monthly administration fee per plan participant*
- Company monthly processing fee
- One time fee for Plan Document Printing*
*May be negotiable depending on size of the group
To learn more, please refer to the Producer Guidelines Manual or contact AHP Marketing Department at 605-322-4545 or toll free at 1-888-322-2115 Monday - Friday 8:00 am - 5:00 pm CT.
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Life Insurance Products
Avera Health Plans (AHP) offers its employer groups the opportunity to purchase these optional products:
- Group Term Life Insurance (2 + employees)
- Group Supplemental Life (50 + employees)
- Long -Term Disability (2 + employees)
- Short - Term Disability (2 + employees)
- Voluntary Dental (25 + employees)
- Contributory Dental (5 + employees)
To learn more, please refer to the Producer Guidelines Manual or contact AHP Marketing Department at 605-322-4545 or toll free at 1-888-322-2115 Monday - Friday 8:00 am - 5:00 pm CT.
Dental Insurance
Avera Health Plans (AHP) offers its employer groups an opportunity to purchase these Dental Insurance products:
- Group Dental Plan
- Voluntary Dental Plan
These products can include orthodontic coverage and the freedom to choose any dentist. To learn more, contact the AHP Marketing Department at 605-322-2115 or toll-free at 1-888-322-2115, Monday-Friday, 8:00 am – 5:00 pm CT.
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