Health Insurance Carriers in South Dakota (SD)
South Dakota has different regulations for health
insurance and health insurance providers than do other states.
Click on the Carriers below to get a better sense of what is available
to you. Afterwards, read on to learn more details about your rights
under South Dakota insurance law.
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Health Insurance Providers in South Dakota
Assurant Health (Formerly Fortis)
Celtic
Medica
Group Health Insurance in South Dakota
- Eligible applicants may not be refused or
charged more for group health coverage.
- Life changes relating to family or unemployment may provide
opportunities for group health coverage.
- Newborn, adopted, and disabled kids have special provisions
for insurance.
- New employers may require a waiting period for new employees.
- HMOs may require an affiliation period.
- Providers may review medical history for the six months
prior to new coverage to determine the status of pre-existing
conditions.
- In the case of pre-existing conditions, an exclusion period
of up to 12 months may be required.
- If continuous coverage has been maintained, without a
break longer than 63 days, creditable coverage may be available.
Small Business Health Insurance in South Dakota
- Businesses with fewer than 50 employees
may not be denied group coverage and may not be cancelled because
of sickness in the employee group.
- Limits may apply to cost of the plan.
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Self-Employed Health Insurance in South Dakota
- The self-employed may not buy group health
insurance.
- Contact the South Dakota Division of Insurance for clarification
of regulations that govern business or professional associations
offering group health coverage.
South Dakota Division of Insurance
445 E. Capital Avenue
Pierre, SD 57501
www.state.sd.us/drr2/reg/insurance
Individual Health Insurance in South Dakota
- Applicants may be denied due to health problems.
- In the case of pre-existing conditions, providers may
place an exclusion period of up to 12 months or attach an elimination
rider to the policy.
- If continuous coverage has been maintained without a break
longer than 63 days creditable coverage toward exclusion periods
are available.
- The definition of creditable coverage varies between individual
and group plans.
- Pregnancy may be classified as a pre-existing condition
but not genetic information.
- There are cost limits on individual policies, but costs
may increase at the time of renewal.
- Coverage may not be cancelled due to illness.
- South Dakota Risk Pool is available to those who have
problems acquiring insurance.
South Dakota Health Care Programs
Medicaid, Children’s Health Insurance
Program, and the All Women Count Program provide assistance with
health insurance to low income individuals and families.
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