Broad and Tiered Network Plans:

For Large Employers

Broad and Tiered Network Plans: Broad and Tiered Network Plans:

Consider Your Health Insurance Options with Sanford Health Plan

Sanford Health Plan is your health care partner and advocate. We align with you and our providers to deliver a patient-centered plan that meets your needs for the right care and right health plan coverage.


Whether you’re a current member or are interested in joining our integrated system of care, easily navigate your options with these tools and resources.


Follow these steps to access all the information you need to consider when choosing the right plan that fits your needs, lifestyle and budget.

Step 1: Employee Decision Guide

Sanford Health Plan makes it easy to choose the right plan for you by putting everything you need to know about our plans in one place.

Download the Guide

Step 2: Choose a Provider Network

Broad Network - Large Employers

Sanford Health Plan’s Signature Series broad network expands beyond the Sanford Health system for access to providers and facilities within the Sanford Health Plan service area. To receive in-network benefits, see providers in this directory. Prior authorization for certain services is still required, regardless of where you receive care.

If you or a dependent live outside of the Sanford Health Plan service area complete an Out-of-Area Form to request access to the nationwide network. If access is approved, nationwide network providers and facilities will process at the in-network benefit level.

Access Broad Network for Large Employers

Tiered Network

This network includes over 25,000 providers in North Dakota, South Dakota, Minnesota and Iowa grouped into two tiers. Both Tier 1 and Tier 2 providers and facilities are considered in-network, but your share of the cost of care is based on the tier of the provider or facility.

  • Tier 1: Lowest member cost-share. This tier includes Sanford Health providers and facilities.
  • Tier 2: Highest member cost-share and includes the broad network of providers and facilities that expands beyond the Sanford Health system.

This network may be right for you if you frequently travel outside of Sanford Health Plan’s service area or live outside of it.

Explore the tiered network

Sanford Health Plan Service Area

All counties in SD & ND, and approved counties in IA: Clay, Dickinson, Emmet, Ida, Lyon, O’Brien, Osceola, Plymouth, Sioux, and Woodbury. MN: Becker, Beltrami, Big Stone, Blue Earth, Brown, Chippewa, Clay, Clearwater, Cottonwood, Douglas, Grant, Hubbard, Jackson, Kandiyohi, Kittson, Lac Qui Parle, Lake of the Woods, Lincoln, Lyon, Mahnomen, Marshall, Martin, McLeod, Meeker, Murray, Nicollet, Nobles, Norman, Otter Tail, Pennington, Pipestone, Polk, Pope, Red Lake, Redwood, Renville, Rock, Roseau, Sibley, Stearns, Stevens, Swift, Traverse, Watonwan, Wilkin, and Yellow Medicine.

Step 3: Understand the Comprehensive Prescription Drug Coverage

We want to match you to the prescription drugs that are most beneficial to your health.

Refer to your employer plan documents to learn what formulary option is applicable to your coverage. A formulary includes information about which benefit tier would cover a particular medication. All plans offered by Sanford Health Plan offer the same pharmacy network.

  • Explore Large Employer 3-Tier Formulary here
  • Explore Large Employer 5-Tier Formulary here
  • Explore ACA Small Employer Formulary here


High Deductible Health Plans (HSA)

If your employer offers an HSA, compare the costs of different prescription drugs using OptumRX. This pricing tool will help you estimate what you will pay for your prescriptions if you choose an HSA.

Use our drug pricing tool

Step 4: Learn About Your Preventive Health Coverage

Our top priority is the health and safety of our members. That’s why all preventive care and screening services are 100% covered under our plans if you use an in-network provider.

Follow our preventive health guidelines to take full advantage of these covered benefits at no cost to you.

Download the Guidelines

Have Questions?

We're ready to help you find the best health insurance plan for your needs.