About Health Insurance in South Dakota
In South Dakota, East Coast Health Insurance is connected with the three most reliable insurance companies, which are Avera, Medica, and United Health One. We provide you with a quote that will help you ultimately decide the best medical insurance option for yourself.
- Total Population: 799,900
- Total Uninsured Population: 104,800 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,113
- Average State Premium for Individual Health Insurance: $204
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in South Dakota
East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our experts finding the best rates for you over the phone at 888-803-5917.
South Dakota Health Insurance Market & Laws
Health insurance regulations in South Dakota are in place for the benefit of both the insurer and the insured. Like most states, the guaranteed renewability provision allows you the right to renew your health insurance policy at the end of a term with the same company. Because of this law, your insurer must allow you to renew your existing policy if you have met your premiums and have not violated your policy.
Pre-existing conditions are defined in South Dakota as a condition you received treatment for or were diagnosed within 12 months prior to enrolling in health insurance. Exclusion periods, or time when the insurance company will not pay any expenses related to that condition, can last for up to 12 months.
Also, if a health insurance plan covers dependents, it is required by law that newborns and adopted children be covered under their parents’ individual health insurance for the first 31 days after birth or adoption.
Insurance companies in South Dakota are permitted by law to deny you health insurance or increase your premiums based on your age and health. However, if they accept your application, they are required to offer you a state standardized policy as well as their own options. Standardized plans provide a more affordable option with federally regulated rates.
For individuals who live in South Dakota, health insurance is required to cover the following medical expenses by law:
- Maternity care
- Breast and prostate cancer screenings
- Mental health care for the same cost as other medical conditions
More information on laws regarding South Dakota health insurance is available through the South Dakota Division of Insurance site.
1. Kaiser Family Foundation, “South Dakota – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “South Dakota Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-South-Dakota.html