Avera $4500 - 60536SD0020045 Health Insurance Plan

Avera Health Plans, Inc. health insurance plan with the Plan ID 60536SD0020045. The plan is called Avera $4500.

Based on the AV Calculator by CMS.gov, the plan has an actuarial value of 100.00% (we converted the output of AV Calculator to percentage to compare with data provided by Issuer, it shows the percentage of total average costs for covered benefits that a plan will cover). So, on average, you would be responsible for 0.00% of the costs of all covered benefits (according to the AV Calculator by CMS.gov). More information about AV Calculator methodology.

Health Insurance Plan ID 60536SD0020045
Health Insurance Plan Year 2025
State South Dakota
Health Insurance Issuer Avera Health Plans, Inc.
Plan Formulary Description URL Formulary URL
Plan Marketing Materials URL Marketing URL
Health Insurance Plan Variant 60536SD0020045-02
Provider Network(s) COMMERCIAL
In Network Doctors

*The data available in our database based on Health Insurance Company Open Data (update: Tue, 03 Dec 2024 06:24 GMT).

Providers South Dakota All US States
All 5424 67873
PCP 521 1026
Allergy 1 1
OB/GYN 6 35
Dentists 13 17
Available Variants of the Health Plan

Standard Off Exchange Plan - 60536SD0020045-00

Standard On Exchange Plan - 60536SD0020045-01

Open to Indians below 300% FPL - 60536SD0020045-02

Open to Indians above 300% FPL - 60536SD0020045-03

73% AV Silver Plan - 60536SD0020045-04

87% AV Silver Plan - 60536SD0020045-05

94% AV Silver Plan - 60536SD0020045-06

Last Plan Update Date Tue, 13 Aug 2024 00:00 GMT
Last Import Date Tue, 03 Dec 2024 06:24 GMT

Benefits of Avera $4500 Health Insurance Plan, 60536SD0020045-02

Benefit Covered In Network Out Of Network
Abortion for Which Public Funding is Prohibited
NO
Accidental Dental

Treatment must be completed within 12 months of the injury.

YES

$0.00, 0.00%

0.00%
Acupuncture
NO
Allergy Testing
YES

$0.00, 0.00%

0.00%
Bariatric Surgery

Limit: 1.0 Procedure(s) per Lifetime

Exclusions: Procedure(s) per Lifetime

YES

$0.00, 0.00%

100.00%
Basic Dental Care - Adult
NO
Basic Dental Care - Child

Limit: 1.0 Visit(s) per 6 Months

Exclusions: Visit(s) per 6 Months

YES

$0.00, 0.00%

100.00%
Chemotherapy
YES

$0.00, 0.00%

0.00%
Chiropractic Care
YES

$0.00, 0.00%

100.00%
Cosmetic Surgery
NO
Delivery and All Inpatient Services for Maternity Care

Cost sharing does not apply to certain preventive services. Depending on the type of services, coinsurance may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound).

YES

$0.00, 0.00%

0.00%
Dental Check-Up for Children

Limit: 1.0 Visit(s) per 6 Months

Exclusions: Visit(s) per 6 Months

YES

$0.00, 0.00%

100.00%
Diabetes Education

Limit: 8.0 Visit(s) per Year

Exclusions: Visit(s) per Year

Quantity Limit: Two certified diabetes education programs per member per lifetime, and eight visits per benefit year for follow-up training once patient has participated in a diabetes education program.

YES

$0.00, 0.00%

0.00%
Dialysis
YES

$0.00, 0.00%

0.00%
Durable Medical Equipment
YES

$0.00, 0.00%

100.00%
Emergency Room Services
YES

$0.00, 0.00%

$0.00
Emergency Transportation/Ambulance
YES

$0.00, 0.00%

0.00%
Eye Glasses for Children

Limit: 1.0 Item(s) per Year

Exclusions: Item(s) per Year

One frame from the designated pediatric eyewear collection are covered.

YES

$0.00, 0.00%

100.00%
Gender Affirming Care
NO
Generic Drugs

Certain drugs require preauthorization. The preauthorization for the drug must be approved before the drug will be covered.

YES

$0.00, 0.00%

100.00%
Habilitation Services

Cardiac and pulmonary rehab services from participating providers are coinsurance after deductible and have a 36-visit maximum per plan year. Preauthorization required for all Applied Behavioral Analysis services.

YES

$0.00, 0.00%

0.00%
Hearing Aids
NO
Home Health Care Services
YES

$0.00, 0.00%

0.00%
Hospice Services

Limit: 185.0 Days per Year

Exclusions: Days per Year

Care (generally in a home setting) for patients who are terminally ill and who have a life expectancy of six months or less. Hospice respite care has a quantity limit of 15 inpatient days and 15 outpatient days per lifetime. Hospice respite care must be used in increments of not more than five days at a time.

YES

$0.00, 0.00%

0.00%
Imaging (CT/PET Scans, MRIs)

Major lab and X-ray services may include PET scan, MRI, CT scan, SPECT scan, cardiovascular, nuclear medicine and MRA.

YES

$0.00, 0.00%

0.00%
Infertility Treatment
NO
Infusion Therapy

Infusion therapy is covered when provided in the home (home infusion therapy).

YES

$0.00, 0.00%

0.00%
Inpatient Hospital Services (e.g., Hospital Stay)
YES

$0.00, 0.00%

0.00%
Inpatient Physician and Surgical Services
YES

$0.00, 0.00%

0.00%
Laboratory Outpatient and Professional Services
YES

$0.00, 0.00%

0.00%
Long-Term/Custodial Nursing Home Care
NO
Major Dental Care - Adult
NO
Major Dental Care - Child

Frequency limitations may apply.

YES

$0.00, 0.00%

100.00%
Mental/Behavioral Health Inpatient Services
YES

$0.00, 0.00%

0.00%
Mental/Behavioral Health Outpatient Services

Coinsurance will apply for services other than therapy performed in the office or any service at a facility.

YES

$0.00, 0.00%

0.00%
Non-Preferred Brand Drugs

Certain drugs require preauthorization. The preauthorization for the drug must be approved before the drug will be covered.

YES

$0.00, 0.00%

100.00%
Nutritional Counseling
NO
Orthodontia - Adult
NO
Orthodontia - Child

Frequency limitations may apply.

YES

$0.00, 0.00%

100.00%
Other Practitioner Office Visit (Nurse, Physician Assistant)
YES

$0.00, 0.00%

0.00%
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)
YES

$0.00, 0.00%

0.00%
Outpatient Rehabilitation Services

Cardiac and pulmonary rehab services from participating providers are coinsurance after deductible and have a 36-visit maximum per plan year. Preauthorization required for all Applied Behavioral Analysis services.

YES

$0.00, 0.00%

0.00%
Outpatient Surgery Physician/Surgical Services
YES

$0.00, 0.00%

0.00%
Preferred Brand Drugs

Certain drugs require preauthorization. The preauthorization for the drug must be approved before the drug will be covered.

YES

$0.00, 0.00%

100.00%
Prenatal and Postnatal Care

Cost sharing does not apply to certain preventive services. Depending on the type of services, coinsurance may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound).

YES

$0.00, 0.00%

0.00%
Preventive Care/Screening/Immunization

Age and frequency limitations may apply

YES

$0.00, 0.00%

100.00%
Primary Care Visit to Treat an Injury or Illness
YES

$0.00, 0.00%

0.00%
Private-Duty Nursing
YES

$0.00, 0.00%

0.00%
Prosthetic Devices
YES

$0.00, 0.00%

0.00%
Radiation
YES

$0.00, 0.00%

0.00%
Reconstructive Surgery
YES

$0.00, 0.00%

0.00%
Rehabilitative Occupational and Rehabilitative Physical Therapy

Cardiac and pulmonary rehab services from participating providers are coinsurance after deductible and have a 36-visit maximum per plan year. Preauthorization required for all Applied Behavioral Analysis services.

YES

$0.00, 0.00%

0.00%
Rehabilitative Speech Therapy

Cardiac and pulmonary rehab services from participating providers are coinsurance after deductible and have a 36-visit maximum per plan year. Preauthorization required for all Applied Behavioral Analysis services.

YES

$0.00, 0.00%

0.00%
Routine Dental Services (Adult)
NO
Routine Eye Exam (Adult)
NO
Routine Eye Exam for Children

Limit: 1.0 Visit(s) per Year

Exclusions: Visit(s) per Year

One diagnostic exam per calendar year for children under the age of 19 from a VSP provider.

YES

$0.00, 0.00%

100.00%
Routine Foot Care
NO
Skilled Nursing Facility

Limit: 100.0 Days per Admission

Exclusions: Days per Admission

100-day confinement limit is for services from participating providers. 60-day confinement limit for services from non-participating providers. Same confinement limit if readmitted with same diagnosis within 60 days.

YES

$0.00, 0.00%

0.00%
Specialist Visit
YES

$0.00, 0.00%

0.00%
Specialty Drugs

Certain drugs require preauthorization. The preauthorization for the drug must be approved before the drug will be covered.

YES

$0.00, 0.00%

100.00%
Substance Abuse Disorder Inpatient Services
YES

$0.00, 0.00%

0.00%
Substance Abuse Disorder Outpatient Services

Coinsurance will apply for services other than therapy performed in the office or any service at a facility.

YES

$0.00, 0.00%

0.00%
Transplant

Transplants are subject to Case Management.

YES

$0.00, 0.00%

0.00%
Treatment for Temporomandibular Joint Disorders
YES

$0.00, 0.00%

0.00%
Urgent Care Centers or Facilities

In-network benefit for services outside of service area. When using Out-of-Network Provider inside service area you may contact the plan to determine if your visit qualifies for in-network benefits.

YES

$0.00, 0.00%

0.00%
Weight Loss Programs
NO
Well Baby Visits and Care

Age and frequency limitations may apply.

YES

$0.00, 0.00%

100.00%
X-rays and Diagnostic Imaging
YES

$0.00, 0.00%

0.00%

Avera $4500 AI/AN Zero Cost Plan Health Insurance Plan Variant 60536SD0020045-02 Attributes

Plan Attribute Value
AV Calculator Output Number 1.0
Begin Primary Care Cost-Sharing After Number Of Visits 0
Begin Primary Care Deductible Coinsurance After Number Of Copays 0
Business Year 2025
Child-Only Offering Allows Adult and Child-Only
Composite Rating Offered No
CSR Variation Type Zero Cost Sharing Plan Variation
Dental Only Plan No
Design Type Not Applicable
Disease Management Programs Offered Asthma, Heart Disease, Diabetes, High Blood Pressure & High Cholesterol, Pregnancy
EHB Percent of Total Premium 1.0
First Tier Utilization 100%
Formulary ID SDF005
Formulary URL URL
HIOS Product ID 60536SD002
Import Date 2024-08-13 20:01:38
Limited Cost Sharing Plan Variation - Estimated Advanced Payment $0.00
Inpatient Copayment Maximum Days 0
HSA Eligible No
New/Existing Plan Existing
Notice Required for Pregnancy No
Is a Referral Required for Specialist? No
Issuer ID 60536
Issuer Marketplace Marketing Name Avera Health Plans
Market Coverage Individual
Medical Drug Deductibles Integrated Yes
Medical Drug Maximum Out of Pocket Integrated Yes
Metal Level Silver
Multiple In Network Tiers No
National Network Yes
Network ID SDN001
Out of Country Coverage No
Out of Service Area Coverage Yes
Out of Service Area Coverage Description Emergency or urgent care services are covered if traveling outside of our service area. No coverage for health services if you travel outside our service area for the purpose of seeking medical treatment.
Plan Brochure URL
Plan Effective Date 2025-01-01
Plan Expiration Date 2025-12-31
Plan ID (Standard Component ID with Variant) 60536SD0020045-02
Plan Level Exclusions Abortion (except when the life of the mother is endangered), acupuncture, cosmetic surgery, dental care for adults, hearing aids, infertility treatment, long-term care, non-emergency care when traveling outside the United States, routine eye care for adults, and weight loss programs.
Plan Marketing Name Avera $4500
Plan Type PPO
Plan Variant Marketing Name Avera $4500 AI/AN Zero Cost Plan
QHP/Non QHP Both
SBC Scenario, Having a Baby, Coinsurance $0
SBC Scenario, Having a Baby, Copayment $0
SBC Scenario, Having a Baby, Deductible $0
SBC Scenario, Having a Baby, Limit $0
SBC Scenario, Having Diabetes, Coinsurance $0
SBC Scenario, Having Diabetes, Copayment $0
SBC Scenario, Having Diabetes, Deductible $0
SBC Scenario, Having Diabetes, Limit $0
SBC Scenario, Treatment of a Simple Fracture, Coinsurance $0
SBC Scenario, Treatment of a Simple Fracture, Copayment $0
SBC Scenario, Treatment of a Simple Fracture, Deductible $0
SBC Scenario, Treatment of a Simple Fracture, Limit $0
Service Area ID SDS003
Source Name SERFF
Plan ID 60536SD0020045
State Code SD
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group $0 per group
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person $0 per person
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual $0
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group $0 per group
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person $0 per person
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual $0
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance 0.00%
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Group $0 per group
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person $0 per person
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual $0
Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group $0 per group
Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person $0 per person
Combined Medical and Drug EHB Deductible, Out of Network, Individual $0
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group $0 per group
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person $0 per person
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual $0
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group $0 per group
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person $0 per person
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual $0
Unique Plan Design No
URL for Enrollment Payment URL
URL for Summary of Benefits & Coverage URL
Wellness Program Offered No

Copay & Coinsurance of Avera $4500 Health Insurance Plan, 60536SD0020045

Drug Tier Pharmacy Type Copay amount Copay option Coinsurance rate Coinsurance option Mail Order

Frequently Asked Questions(FAQ) about Avera $4500, 60536SD0020045 Health Insurance Plan, 60536SD0020045

  • Does Avera $4500 Health Insurance Plan, 60536SD0020045 support Mail Ordering?

    Unfortunately, this health insurance plan does not support mail ordering or the plan data in not available.

  • Does (60536SD0020045) Health Insurance Plan, Variant (60536SD0020045-02) offer Disease Management Programs?

    Yes, and here is the list of available programs: Asthma, Heart Disease, Diabetes, High Blood Pressure & High Cholesterol, Pregnancy

    Does (60536SD0020045) Health Insurance Plan, Variant (60536SD0020045-02) have Out Of Country Coverage?

    No, unfortunately there is no Out Of Country Coverage for this Health Insurance Plan (variant of plan).

    Does (60536SD0020045) Health Insurance Plan, Variant (60536SD0020045-02) have Out of Service Area Coverage?

    Yes. Details: Emergency or urgent care services are covered if traveling outside of our service area. No coverage for health services if you travel outside our service area for the purpose of seeking medical treatment.

    Does (60536SD0020045) Health Insurance Plan, Variant (60536SD0020045-02) offer Disease Management Programs?

    Yes, and here is the list of available programs: Asthma, Heart Disease, Diabetes, High Blood Pressure & High Cholesterol, Pregnancy

    Does Avera $4500 AI/AN Zero Cost Plan Health Insurance Plan, Variant (60536SD0020045-02) offer Disease Management Programs for Asthma?

    Yes, the Avera $4500 AI/AN Zero Cost Plan Health Insurance Plan Variant 60536SD0020045-02 offers Disease Management Program for Asthma.

    Does Avera $4500 AI/AN Zero Cost Plan Health Insurance Plan, Variant (60536SD0020045-02) offer Disease Management Programs for Heart disease?

    Yes, the Avera $4500 AI/AN Zero Cost Plan Health Insurance Plan Variant 60536SD0020045-02 offers Disease Management Program for Heart disease.

    Does Avera $4500 AI/AN Zero Cost Plan Health Insurance Plan, Variant (60536SD0020045-02) offer Disease Management Programs for Diabetes?

    Yes, the Avera $4500 AI/AN Zero Cost Plan Health Insurance Plan Variant 60536SD0020045-02 offers Disease Management Program for Diabetes.

    Does Avera $4500 AI/AN Zero Cost Plan Health Insurance Plan, Variant (60536SD0020045-02) offer Disease Management Programs for High blood pressure & high cholesterol?

    Yes, the Avera $4500 AI/AN Zero Cost Plan Health Insurance Plan Variant 60536SD0020045-02 offers Disease Management Program for High blood pressure & high cholesterol.

    Does Avera $4500 AI/AN Zero Cost Plan Health Insurance Plan, Variant (60536SD0020045-02) offer Disease Management Programs for Pregnancy?

    Yes, the Avera $4500 AI/AN Zero Cost Plan Health Insurance Plan Variant 60536SD0020045-02 offers Disease Management Program for Pregnancy.

 

Disclaimer: This is based on the import(Date: Tue, 03 Dec 2024 06:24 GMT) of the data from Healthcare Issuers listed by CMS. While we make every effort to ensure that data is accurate, you should assume all results are unvalidated. Source: CMS.gov, HealthPorta HEALTHCARE MRF API