Health Plan Information for Faculty and Staff

Health Plans

The State of South Dakota offers Health Plan options that provide comprehensive medical coverage for you and your eligible dependents.

For more information on your health plan options, please visit the SD Bureau of Personnel Website.

To view your current elections, log into SNAP and click on the 'Benefits' link on the right side of the screen.

AFLAC

Board of Regents benefit-eligible employees are allowed to make voluntary deductions for various insurance products offered by AFLAC.

For more information on the AFLAC Insurance options, please visit the AFLAC Website.


Plan Changes for FY13

Latitude Health Plan

  • Renamed and increased $300 Deductible/Copay Plan with Latitude Health Plan ($500 Deductible
  • Plan year deductible $500 per person or $1250 for family of three or more
  • Added eligibility requirements for the Latitude Health Plan including completion of the Health Assessment for employees and covered spouses
  • Eliminated copayments for Office Visit, Specialist Office Visit, Chiropractic and Physical Therapy
  • Increased copayments for Emergency Room from $200 to $250, Inpatient Hospital from $600 to $800, all Global Maternity from $300 to $400 and CT/PET scans from $100 to $150
  • Decreased MRI copayment from $200 to $150
  • Changed Outpatient Surgery $500 copayment to included only Bundled Payment Procedures and Facilities. For more information visit http://benefits.sd.gov/bundledpayments.aspx.
  • All copayments except Emergency Room apply to the Out-of-Pocket Maximum
  • Increased Prescription Drug Maximum Out-of-Pocket from $800 to $1000 per person and $2000 to $2500 per family
  • Increased Prescription Drug Tier Two (up to 30-day supply) copayment from $25 to $32

$1000 Deductible Health Plan

  • Eliminated copayments for Chiropractic and Physical Therapy
  • Added copayments for Emergency Room $250, Inpatient Hospital $800, Global Maternity $400 and MRI/CT/PET scans $150
  • Added Outpatient Surgery $500 copayment to include only Bundled Payment Procedures and Facilities
  • All copayments except for Emergency Room apply to the Out-of-Pocket Maximum
  • Eliminated reduction in coinsurance for not completing the Health ASsessment
  • Increased Prescription Drug Maximum Out-of-Pocket from $800 to $1000 per person and $2000 to $2500 per family
  • Increased Prescription Drug Tier Two (up to 30-day supply) copayment from $25 to $32

$1800 Deductible Health Plan HSA Compatible

  • Decreased $2000 Deductible Plan to $1800 Deductible Plan
  • Plan year deductible $1800 per person or $3600 for family
  • Decreased Maximum Out-of-Pocket to $3600 per person or $7200 for family
  • Eliminated reduction in coinsurance for not completing the Health Assessment

Flexible Benefits and Life Insurance 

  • Increased contribution rates for Flexible Benefits (ie Dental, Vision, Major Injury Protection, Hospital Indemnity and Short Term Disability
  •  Increased contribution rates for Life Insurance
  • Added contribution rates for Accidental Death & Dismemberment (AD&D)

Incentives

Family Status Changes 

  • Reduced time period for reporting Family Status Changes/Qualifying Events from 90 days to 60 days  

 Incentive Programs

Billing Error and Our Healthy Baby

Billing Error –You are encouraged to examine hospital and doctor bills for accuracy to ensure you received all the services for which you were charged. If you find an error on your bill, the Plan will pay you 50 percent of the money you saved the plan. There is a minimum incentive payment of $50 and a maximum of $1,000. This incentive applies only to covered charges for inpatient hospital care, outpatient surgery in an ambulatory care facility, services received from clinics and related tests. You are responsible for auditing the charges, requesting corrected billings from providers and submitting all documentation to the Bureau of Personnel for processing. To determine whether you qualify for the billing error incentive, you must send copies of the incorrect bill, the corrected bill, and a brief explanation of the error to the Bureau of Personnel.

Note: With Diagnostic Related Group (DRG) based billing, itemized charges do not affect your hospital bill. Therefore, the billing error incentive does not apply. See Managed Care Program.

Our Healthy Baby Program – If you or your covered spouse is expecting, we encourage you to enroll in the Our Healthy Baby Program during the first three months of the pregnancy. To enroll, call 1.888.821.2242 or go online at Our Healthy Baby. The purpose of this voluntary program is to provide support to expectant parents through individual case management, educational materials, and supportive contact throughout the pregnancy. When the newborn child is added to the Health Plan, you may receive a $100 non-tax incentive into their Health Reward and Wellness Account -- if enrolled within the first three months of the pregnancy. 

Important Note: Enrollment in the Our Healthy Baby Program does not automatically add your baby to the Health Plan. To do this, you must notify Human Resources and complete a Family Status Change form before the birth or within 60 days of the birth.