Colonial Pine Hills Health Insurance Agents

Top-Rated Health & Life Insurance Agency
Serving Rapid City, SD & Surrounding Areas
  • We are experienced professionals serving small businesses and individuals find and set up the best health insurance coverage and policies.

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    Buy Health Or Life Insurance Plans In Colonial Pine Hills

    Health Insurance icon
    Obtain Health Insurance In Colonial Pine Hills

    Health Insurance

    Wading through the variety of health insurance policies available in South Dakota can be stressful and overwhelming. At South Dakota Health & Life Insurance, our Colonial Pine Hills insurance agents are knowledgeable and ready to help you find the best coverage for your needs and budget.

    Life Insurance icon
    Obtain Life Insurance In Colonial Pine Hills

    Life Insurance

    Investing in a life insurance policy is an excellent way to ensure the financial stability of your loved ones after your death. Contact our Colonial Pine Hills life insurance agents for help navigating the variety of policies available to you.

    Medicare / Medicaid icon
    Old Lady Receiving Quality Care With Medicare / Medicaid In Colonial Pine Hills

    Medicare / Medicaid

    Medicare and Medicaid can be extremely confusing to understand. They can also leave gaps in coverage that require additional supplementation. At South Dakota Health & Life Insurance, we are here to help you make sense of it all and find the best option for your needs.

    Learn More About Our
    Different Types Of Health Insurance Plans

    South Dakota Top-Quality Health Insurance Plans That Meet Your Needs

    Health Maintenance Organization

    (HMO) Insurance

    A Health Maintenance Organization is a network of specific doctors, hospitals, and other healthcare providers who will accept payment under your particular policy. Costs are lower when you choose a doctor within the HMO, and seeing a specialist will require a referral.

    Preferred Provider Organization

    (PPO) Insurance

    Under a Preferred Provider Organization, you have the flexibility to see whichever doctor you prefer, with the understanding that costs are higher if the doctor is out of network. Monthly premiums tend to be higher, but you do not need a referral to see a specialist.

    Point Of Service (POS)

    Insurance Plans

    Point of Service plans are similar to an HMO where you will pay less if you see doctors or visit hospitals under your specific policy. Specialists require referrals from your doctor. POS is considered a combination of HMO and PPO.

    Exclusive Provider Organization

    (EPO) Insurance

    With an Exclusive Provider Organization, you will only get coverage if you visit a doctor or a hospital within the network, with the exception of an emergency. Premiums are low, but you will typically pay more out of pocket before your insurance coverage begins.

    Obamacare Affordable

    Care Act Plans

    Enacted in 2010 under President Obama, Obamacare is designed to make healthcare more affordable with lower premiums. Visit our knowledgeable insurance agents at South Dakota Health Insurance to find the best plan under Obamacare for your family’s needs and budget.

    Medicare Parts A, B, C & D

    Program Enrollment

    Medicare Part A covers inpatient hospital care. Medicare Part B covers outpatient medical care. Part C offers a variety of different Medicare benefits, and Part D covers prescription drugs. Contact South Dakota Health Insurance with your questions regarding Medicare coverage and how to apply!

    Health Insurance Plans FAQs

    Any healthcare plan you choose will put a limit on maximum covered costs if it is not considered essential care. Visit with our staff at South Dakota Health Insurance for expert help understanding what is covered and what is not covered under your specific policy.
    Health insurance is a vital piece of life. From simple checkups with your primary care doctor to emergency visits and necessary procedures, a health insurance policy can greatly reduce the cost of these visits or your prescriptions. Get help finding the best insurance coverage today!
    With an HMO, you are required to see a doctor specifically listed in your network in order to avoid extra out of pocket costs. With a PPO plan, you have the option to see doctors that are not out of your network, and a referral is not needed for specialists.
    With health insurance, you can see any doctor you would like and you will have less out of pocket expenses for checkups, procedures, surgeries, and other medical care. Costs are typically lower as well. However, POS typically involves quite a bit of paperwork and higher upfront fees for out-of-network providers.
    Lifetime maximums refer to the amount your insurance plan will contribute toward your medical care over the course of your lifetime. Annual maximums refer to the amount they will contribute to your care throughout the duration of a year before the rest is paid out of pocket.


    “Mr. Marble was very informative regarding Medicare and how the plans worked and was extremely knowledgeable about health insurance in general.”

    Stevie King★★★★★

    “When I needed to find a good Medicare supplement program Lynn and his crew were recommended to me by my business insurance provider. Lynn personally took the time to prepare a number of options, then explained each one to me, and how it would work in tandem with Medicare. He has also assisted several of my friends and coworkers since then. I am proud to recommend him.”

    Scott Richards★★★★★

    “Terrific insurance brokerage, it’s great to have a professional insurance agent to to help guide me, insurance can be complicated.”

    howard bacon★★★★★

    5-Star Rated Colonial Pine Hills Health Insurance Agents

    Health Share Altrua logo

    Why Altrua Health Sharing Ministry?

    • FREE Telamedicine

    • No Obamacare Tax Penalties
    • Large PPO Multiplan Nationwide Network
    • Low Monthly Contribution Amounts from $100 for Single to $504 for a Family
    • Stable Rates due to Healthy participants
    • $2,000,000.00 of coverage
    • $35 Doctors office visits 6 per year per person
    • Maternity coverage available

    We Work With A Wide Variety Of Carriers

    BlueCross BlueShield
    BlueCross | BlueShield
    Health Net
    Health Net
    United Health Care
    United Healthcare
    And Many More!
    IRS Rules & Guidelines For Employers Regarding Health Insurance Plans

    The IRS wanted to consider making additional precise rules and instructions for employers. The intent of these restrictions was to address the impact of employers contributing to employees’ decision to obtain alternate health insurance. The question the IRS posed to itself is:

    “What are the consequences to the employer if the employer does not establish a health insurance plan for its own employees, but reimburses those employees for premiums they pay for health insurance (either through a qualified health plan in the marketplace or outside the marketplace)?”

    Wraparound Coverage

    “Wraparound coverage”, a form of health coverage that is not subjected to the ACA rules that employers may help employees obtain starting in 2015 without being fined, is another option. This is basic health insurance that can be used to fill in the gaps of a regular health plan that meets ACA standards. However, the cost of providing this coverage to your staff cannot exceed 15% of the basic health plan that your employees are already covered under.

    If you still want to get away from your staff and their health insurance coverage, you may avoid the “employer payment plan” penalties by simply giving them a raise large enough to cover the cost of their benefits to the degree that is desired and feasible. Keep in mind that you will be subject to higher payroll taxes, and since this income is taxable to employees, the amount of the raise they’ll have available to purchase health coverage will be reduced by their increased tax burden. Workers might also forget why they were paid more in the first place, and start to consider themselves employees of a firm that does not respect its employees enough to provide health benefits.

    Finally, if you are large enough to be affected by the ACA’s employer mandate, you won’t be able to get out of paying the penalty for failing to offer health coverage.

    Professional Health Insurance Brokers In Colonial Pine Hills

    Find A Cost-Effective Health Insurance Plan With Wide Coverage
    Professional Health Insurance Brokers In Colonial Pine Hills

    At South Dakota Health Insurance, we can help you sift through the countless insurance plans available to find the best policy that will cover your medical needs without putting a strain on your budget. We take time to go over the benefits and negatives of each plan available to you in terms that you will understand, and to answer all your questions.

    • Medicare Health Plans
    • Group Benefits
    • Life Insurance Coverage
    • We work with families
    • Independent choices from carriers nationwide

    South Dakota Health Insurance is proud to have independent relationships with “A” rated Health and Life insurance companies across Arizona. We are ready to help you find the best policy for your family, so contact us today to schedule a consult with our team!

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