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Act Now to Continue Seeing Avera Providers

Act now if you want to continue seeing your Avera Medical Group provider in Minnesota.

If you want to have health insurance coverage Jan. 1 and continue to see your Avera provider, you must renew or apply with the Medica plan by Dec. 15 to receive in-network services.

NOTE: This does not apply to you if you have Medicare/Medicaid or can receive health insurance through your employer.

Contact your agent today or visit to determine if you qualify for reduced premiums.

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Frequently-Asked Questions about Individual Health Insurance

How soon do I need to act?

By Dec. 23, 2019, if you want to have health insurance coverage effective Jan. 1, 2020. It’s always a good idea to get your health insurance as early as possible, so you can rest assured that it’s in place. If you renew or apply for health insurance after Dec. 15, your coverage will not be in place until Feb. 1, 2020. The last day you can apply for coverage is Jan. 14, 2020, without a qualifying life event.

Contact your agent to make an appointment today or visit

Is cost the only factor in purchasing a health insurance plan?

No. It’s very important to consider the provider network to maintain your ability to see the provider of your choice. Medica is the only insurance company that allows you to go to an Avera provider. This includes Avera Medical Group clinics, hospitals or physicians.

Does Avera offer health insurance in Minnesota?

At this time, Avera does not offer individual insurance or Medicare Supplement to those who live in Minnesota. Our goal is to educate you that your only option is Medica on when it comes to having in-network access to Avera providers in Minnesota.

How can I know if this affects me?

This affects only people who purchase individual or family coverage through an insurance broker or MNsure, Minnesota’s online health insurance exchange. It does not impact people covered by group (employer) plans, Medicaid or Medicare.

I see an Avera doctor. How can I make sure he/she is in the provider network?

In southwest Minnesota, only Medica includes Avera providers. So if you purchase a plan with another company, your Avera provider, clinic and hospital will not be in network.

What does in-network provider mean?

An in-network provider is one that contracts with a health insurance company to provide health services to plan members for specific pre-negotiated prices.

What does out-of-network provider mean?

An out-of-network provider is one that is not contracted with your health insurance plan.

What happens if I see an out-of-network provider?

Typically, if you visit a physician or other provider that’s out of network, you might have higher out-of-pocket costs, for example, your deductible, co-insurance or co-pays. In some cases, your insurance company will not pay anything for services received from out-of-network providers. There are exceptions in special circumstances, so always check with your insurance company.

Live Better. Live Balanced. Avera.

Avera is a health ministry rooted in the Gospel. Our mission is to make a positive impact in the lives and health of persons and communities by providing quality services guided by Christian values.

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