Rapid Valley Health Insurance Agents

Top-Rated Health & Life Insurance Agency Serving Rapid Valley, SD & Surrounding Areas
  • Experienced, professional health insurance agents helping individuals, small businesses, and institutions set up and achieve the best coverage and policies.

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Our Experts Will Help You Choose The Best Health Insurance Policy In SD

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    Buy Health Or Life Insurance Plans Near Rapid Valley

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    Buy Health Insurance Plans In Rapid Valley

    Health Insurance

    Finding comprehensive, affordable health insurance in Rapid Valley can be difficult and stressful, especially for someone who has never done it before. At South Dakota Health & Life Insurance, our agents can show you the available options and work with you to find what you need.

    Life Insurance icon
    Buy Life Insurance Plans In Rapid Valley

    Life Insurance

    Life insurance is a commonly misunderstood process, but it is a vital piece of a well rounded financial plan. We know it can be confusing to understand the plans available, so let our dedicated Rapid Valley life insurance agents guide you through the choices.

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    Old Lady Receiving Quality Care With Medicare / Medicaid In Rapid Valley

    Medicare / Medicaid

    Medicare and Medicaid are excellent resources for many people, but often need a supplemental policy to ensure the gaps are covered. Reach out to South Dakota Life Insurance for expert guidance and more information, and we can help you start the enrollment process today.

    Learn More About Our
    Different Types Of Health Insurance Plans

    Rapid Valley Health Insurance Plans That Meet Your Needs

    Health Maintenance Organization

    (HMO) Insurance

    An HMO policy is a network of doctors, hospitals, and healthcare offices who are covered under your specific plan. Your costs will be lower only if you choose a provider who is under the HMO. Any appointments with a specialist will require a referral.

    Preferred Provider Organization

    (PPO) Insurance

    Under a PPO policy, you have the ability to see whichever doctor you prefer, but your costs are typically higher. Additionally, the monthly premiums are also higher. However, a PPO plan does not require a referral to see a specialist.

    Point Of Service (POS)

    Insurance Plans

    Point of Service plans are very similar to an HMO where your costs are lower if you visit a doctor or a hospital that is covered by the plan. You will also need a referral from your primary care physician to see any specialist.

    Exclusive Provider Organization

    (EPO) Insurance

    Under EPO insurance, your plan requires you to visit a doctor or hospital under the plan to get any coverage, with the exception of an emergency. Your primary care doctor needs to be in the plan, but referrals are not required for a specialist. Premiums are typically lower.

    Obamacare Affordable

    Care Act Plans

    Launched in 2010 by President Obama, Obamacare is designed to make healthcare affordable for all and to keep premiums low. Let our health insurance agents at South Dakota Health & Life Insurance help you find the best policy under the Obamacare act.

    Medicare Parts A, B, C & D

    Program Enrollment

    Each part of Medicare is designed for a specific aspect of healthcare. Part A covers inpatient hospital care. Part B handles outpatient care. Part C provides more coverage for everyday healthcare, and Part D covers prescription drugs. Visit with our insurance agents to learn more.

    Health Insurance Plans FAQs

    Any healthcare plan you choose will place a limit on the maximum costs it can cover if it is not considered essential healthcare. Our agents at South Dakota Health Insurance can help you understand in more detail exactly what is covered under your specific policy.
    Health insurance is a crucial part of keeping your finances in check. Health insurance helps significantly lower the costs of anything from simple checkups to emergency visits, necessary procedures and complex surgeries. Visit South Dakota Health Insurance for expert help finding the most comprehensive coverage for your needs.
    With an HMO policy, you are required to see a doctor who works within your network in order to avoid any out of pocket costs. Through a PPO plan, you have the option to see doctors who are not within your network, and specialists do not require a referral.
    With POS health insurance, you have the opportunity to see any doctor or physician you would prefer with less out of pocket expenses for checkups, procedures, surgeries, and more. Costs are typically lower, but POS involves quite a bit of paperwork and higher up-front fees for out of network providers.
    Lifetime maximums are the total amount your insurance plan will contribute to covering your healthcare costs throughout the entire course of your lifetime. Annual maximums are the amount they will contribute to your healthcare costs per year before you are required to pay the rest out of pocket.


    5-Star Rated Health Insurance Agents Near Rapid Valley

    “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★★★★★

    Why Altrua Health Sharing Ministry?

    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.

    Top-Rated Health Insurance Brokers Near Rapid Valley

    Find An Affordable Health Insurance Plan With Wide Coverage
    Top-Rated Health Insurance Brokers Near Rapid Valley

    When you need professional help sorting through the variety of healthcare policies available, South Dakota Health Insurance is ready to provide guidance and personalized recommendations as you choose a policy that will best cover your needs and budget. We take time to review the pros and cons of each plan, and to address all your questions and concerns.

    • Medicare Health Plans
    • Group Benefits
    • Life Insurance Coverage
    • We Work With Families
    • Independent Choices from Carriers Nationwide

    t South Dakota Health Insurance, we are proud to carry indepent relationships with “A” rated health and life insurance policies across the state. Our Rapid Valley health insurance agency is ready to help you make an educated choice to protect your family’s healthcare, so schedule a consult with us today!

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