Choose What's Important in a Health Plan
2022 ACA Plan Comparison Guide | South Dakota Small Group Plans
Wellmark gives you meaningful choices to ensure the right coverage to attract and retain valuable employees — all within a manageable budget.
BlueSimplicitySM health plans
No deductible or coinsurance. Just simple, tiered copays for all services.
Plan pro
Employees know the maximum amount a service or procedure will cost them before they go — without having to do the math involved with deductibles or coinsurance.
Perfect for
Risk-averse employees who don’t like to be surprised when a bill arrives.
Traditional health plans
Copays for common health care expenses, with coinsurance and deductibles applying for larger expenses.
Plan pro
Traditional health plans are the most common type of health insurance.
Perfect for
Employees who have been comfortable with how their health insurance has traditionally worked.
Modified health plans
Copays for the most-common services, larger expenses accumulate toward an annual out-of-pocket maximum (OPM) amount.
Plan pro
Eliminates coinsurance and gives employees one number to work toward, the annual OPM.
Perfect for
Employees who find it difficult and stressful to understand their cost of care.
Primary health plans
Lower copays for primary care providers (PCPs) and Tier 1 drugs, higher copays for other providers and most other services subject to deductible and coinsurance.
Plan pro
Provides a significantly lower copay or cost for high-value, highly used services (PCP visits, Tier 1 drugs).
Perfect for
Employees who primarily see their PCP and fill low-cost prescriptions.
High-deductible health plans (HDHP)
Employees pay the full cost of care and prescriptions (except for free preventive care) until deductible is met. This plan choice qualifies for a health savings account.
Plan pro
Offers some of the lowest monthly costs and provides tax-free savings.
Perfect for
Employees willing to pay more up-front in exchange for low monthly premiums and tax benefits.
Choose a metallic tier
Metallic tiers within each plan type give you meaningful choice on costs and benefits. Choose from gold, silver, and bronze.
