South Dakota Health Insurance

A recent study conducted for the South Dakota Department of Health found that over 48,000 of South Dakotans are without South Dakota health insurance. And, with health care costs on the rise, South Dakota health insurance is essential to maintaining your access to the health care system.

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What to Know about South Dakota Health Insurance

Coverage under South Dakota Health Insurance

The State of South Dakota does not require its insurance companies to write standardized health policies, therefore benefits under South Dakota health insurance may differ from policy to policy—you will need to read and compare different policies to determine what type of coverage is right for you.

Despite varying coverage, South Dakota law does require certain mandated benefits, such as post-delivery hospital stays for new moms. For more on mandated benefits, contact the South Dakota Department of Insurance at (605) 773-3513.

Health Status and South Dakota Health Insurance

You may be charged higher premiums for South Dakota health insurance because of your age, health status or other characteristics, although there are limits on how much your premium may fluctuate because of these factors.

However, if you are purchasing South Dakota health insurance for a small group of employees, the guaranteed issue states that you may not be turned down for coverage because of your group’s health status.

Furthermore, if you’ve had 12 months of credible coverage and lose it involuntarily, you may be guaranteed the right to buy a policy from the South Dakota Risk Pool—regardless of your health status—with no pre-existing condition exclusion period.

Cancellation of South Dakota Health Insurance

Your South Dakota health insurance cannot, under any circumstances, be cancelled because you get sick. This is because South Dakota health insurance is guaranteed renewable.

Your South Dakota health insurance can only be cancelled for reasons of nonpayment of premium, fraudulent behavior or violating other stipulations as specified in your policy.

Assistance Programs

If you are unable to obtain South Dakota health insurance due to financial circumstances, you may eligible to obtain health coverage through the following programs:

• Pregnant women, families, the elderly and the disabled with low incomes may be eligible for free or low cost health coverage through South Dakota Medicaid.
• Uninsured or underinsured children under the age of 18 may receive coverage under the South Dakota Children’s Health Insurance Program, or CHIP.
• The All Women Count! Program provides free or low cost breast and cervical cancer screening for uninsured and underinsured women between the ages of 30 and 64.

For more information on South Dakota health insurance, or to inquire about the aforementioned financial assistance programs, contact the following:

Be Well with South Dakota Health Insurance.

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