Health benefits

Know your health benefits for a great return on investment

Everyone wants to stay healthy, right? We eat the right foods, exercise, work on our general personal care, but did you know that your health insurance provider also wants you to stay as healthy as possible?

Once you’ve chosen your health insurance plan, the best way to get a return on your investment with your plan and reduce confusion is to educate yourself about the other benefits it offers.

“Insurance can be a confusing product in general, for almost anyone,” said Katie Studer, director of customer experience at Avera Health Plans. “Reviewing your plan and fully understanding it can save you money. “

Understanding Health Plan Incentives

It’s probably common knowledge that your health plan covers preventative screenings like annual checkups, routine mammograms if you’re over 40, vaccinations, and more. But did you know that your health plan could also provide access to virtual care, coordinated care, and other free perks like wellness programs, online portals, and other incentives? For example, most plans will charge a lower co-payment for generic drugs, which will save you money.

With Avera health plans, you also have access to:

  • Health news feeds and blogs
  • Action plans
    • Choose a self-directed action plan that helps you meet your current health goals. Topics range from lifestyle behaviors to chronic disease prevention and management.
  • Health risk assessment
  • Avera Health Information Library

Your health insurance provider can help you approach their coverage proactively.

What is the health of populations?

Addressing potential health problems in a timely manner is part of an approach called population health management, Studer said. It is an approach that emphasizes prevention, quality and the importance of harmonious integration between the different areas of the health system.

And population health is an extension of Avera’s mission and culture of being patient-centered. We cover all facets of population health management, including:

  • Member lawyers
  • Health coaches
  • Customer service team

Integrated health systems like Avera allow these preventative benefits to pay off because all aspects of care can be brought together. Examinations and screenings can detect a disease or condition as soon as it appears; the care provider can then refer a limb to a specialist if problems are identified.

Is everyone covered by your health insurance plan?

Finally, make sure everyone is covered. You may have dependents who live outside of your network coverage area, such as students. Your customer service team can answer questions about WAN coverage for dependents.

Knowing more will save money and ensure these dependents get the care they need. Learn more about your options at

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