Simplicity Plans

for Small Employers

Simplicity Plans

Simple Insurance, Broad Network of Providers

Simplicity group plans provide access to a broad network of providers in South Dakota, North Dakota, and specific counties of Iowa and Minnesota.

Simplicity plans offer the Broad Network, a comprehensive network of independent providers and facilities, both regionally and nationally. These plans will have a higher monthly premium compared to other coverage options. This plan may be right for you if you seek a variety of in-network providers within and outside of Sanford Health or the ability to schedule surgeries and other procedures with non-Sanford Health providers


What Providers are in the Broad Network?

This network consists of over 25,000 providers across South Dakota, North Dakota, Minnesota and Iowa, expanding beyond the Sanford Health care system. To receive the highest level of benefits, you will need to see a provider listed in our directory.

It is also a great option for those with scheduled surgeries or procedures with non-Sanford Health providers in the upcoming year.

View Provider Directory

Explore Your Plan

Choose the Right Plan

Our employee decision guide makes it easy to choose the right plan by putting all the information you need to know about Sanford Health Plan in one guide. This guide includes three simple steps to help you choose a plan that fits your needs, lifestyle and budget.

Download the Guide
Choose the Right Plan

Understand Provider Networks

On this plan, you have access to our Broad Provider Network. Search for a provider using our Provider Directory which includes over 25,000 providers within the South Dakota, North Dakota, Minnesota and Iowa.

Search Directory
Understand Provider Networks

Understand Prescription Drugs

Use our formulary to help you determine which benefit tier would cover a particular medication. Sanford Health Plan’s pharmacy network is the same across all plans.

View the Formulary
Understand Prescription Drugs

HSA Drug Pricing Tool

If you have a High Deductible Health Plan (HSA), use our OptumRX pricing tool to see a list of all the drugs we cover and compare the costs of different prescription drugs. This tool will help you estimate what you would pay for your prescriptions under your health coverage plan.

Try the Drug Pricing Tool
HSA Drug Pricing Tool

Virtual Care Access

Sanford Health Plan members have affordable access to virtual care at any time, any day. We offer three virtual care options, so you and your family are never far from the care you need when you need it most.

See a provider from the comfort of home or without leaving work through:

  • - E-visits
  • - Video visits
  • - Virtual exams

View Virtual Care Options
Virtual Care Access

Preventive Health Screenings

We’re committed to helping you stay healthy, and we know screenings are a key part of disease prevention. That’s why preventive care, screenings, and flu shots are covered at 100% if you are using an in-network provider. Follow our preventive health guidelines to take advantage of these services.

Download the Guidelines
Preventive Health Screenings

Frequently Asked Questions

Do I have to go to only Sanford Health providers and locations under Sanford Health Plan options?

No, the Simplicity plans offer the broad provider network. The broad network includes a comprehensive network of independent providers and facilities, both regionally and nationally.

Can I seek services from any provider with the Simplicity plan?

Yes, but services at some providers will apply to your out-of-network coverage. For details on in- and out-of-network coverage, review your Summary of Benefits and Coverage (SBC) documents.

How are urgent and emergent situations covered on the Simplicity plans?

Urgent and emergent situations are covered at the in-network benefit level. For full plan details, reference the Summary of Benefit and Coverage (SBC) documents.

Does Mayo Health System participate in your Broad Network?

Sanford Health Plan does have a contract with Mayo Health System. In order for our members to access Mayo Health System at an in-network level, they must receive prior authorization from Sanford Health Plan.

What if I don’t see my provider or facility in the Broad Network, do I have any options for an exception?

Sanford Health Plan recognizes the importance of a relationship between a patient and his/her physician. As a new member seeking treatment, you may complete a Transition of Care Request Form. This form must be submitted to Sanford Health Plan within 30 days of the employer group’s initial effective date. The form is to be used by an individual member to request continuing care currently being received for a specific medical condition such as a planned surgery, currently receiving cancer care, you are in your 2nd or 3rd trimester of pregnancy, etc. with a provider (hospital, physician or any other health care professional) that does not participate with Sanford Health Plan. Completing this form does not guarantee authorization and it is not intended for a member who wants to continue with his/her provider who does not participate with us for yearly physicals and/or routine medical care.

How does the HSA Preventive Medication benefit work with Sanford Health Plan?

High costs for medications should not keep you from taking vital prescriptions essential to your health. The IRS allows certain medications to be available at a low cost without having to meet your deductible on a High Deductible Health Plan. These medications include many that treat common conditions and diseases such as high blood pressure, high cholesterol, depression, COPD, asthma, cancer, irritable bowel syndrome, and many more. Medications that are both considered preventive and on our list of covered drugs, only cost $5 for each 30-day fill at an in-network pharmacy. To find out if your prescriptions are covered as part of this benefit, search our Drug Pricing Tool through the link on this webpage. Simply enter your pharmacy, its location, and the name of your prescriptions for an estimate of the cost if you were to choose a High Deductible Health Plan. You may find many of your medications are covered as part of the Preventive Medication benefit. If they do not fall into the preventive category, you will see an estimate of the retail cost of the medication that would be applied to your deductible if you choose a High Deductible Health Plan. Many of our members choose a High Deductible Health Plan specifically because this benefit lowers their prescription drugs costs significantly compared to a traditional co-pay plan.

How do I know how my prescription drugs will be covered and is there a network of pharmacies I need to use?

Sanford Health Plan has provided a link to the Formulary, which is a list of all the medications that are covered by the Plan, and at what applicable tier. We also provide a robust network of pharmacies our members can access both locally and nationally, the key pharmacy that does not participate in our network at this time is Walgreens.

How does Virtual Care benefits work with Sanford Health Plan?

Our virtual care is offered on all our plans and every member has convenient access 24-hours a day, 7-days a week, holidays included. Members on our copayment plan options can access both our e-visit and video visit services with a $0 copayment, while those members on our High Deductible Health Plan options will have cost-share for these services anywhere between a $20-49 (depending on the plan chosen).

How does your Fitness Center Reimbursement Program work?

Your health is important to us! We encourage our members to regularly visit a gym that participates with our fitness program through NIHCA (search for participating fitness centers by visiting nihca.org). A member and their covered spouse can each receive up to $20/month for visiting a participating fitness center a minimum of 12 days per month. Once you become a member, we will provide you with the tools to get set-up with this value-added benefit.

As a new member to Sanford Health Plan, if our group renewal date is not January 1 will I lose any of those costs I have already incurred with our current health insurance carrier?

No. Sanford Health Plan will receive 2 data files from your current insurance company so we can credit you all applicable cost-share amounts you have already incurred in this calendar year prior to your new policy with Sanford Health Plan.

If I have a service or procedure already prior authorized with my current insurance company do I have to prior authorize it with Sanford Health Plan?

Yes, you should ask your doctor to submit a request to Sanford Health Plan to prior authorize your service with your new Sanford Health Plan insurance coverage. For a full list of services that need to be prior authorized, click here.

How are the Simplicity plans handled from a provider network standpoint when I cover a dependent that is a college student who resides outside the Sanford Health Plan service area?

The Simplicity plans access the Broad Network. This means that when you are traveling, or have a college student residing outside of our service area, they can access our national network at an in-network level. We utilize a national network called MultiPlan and these providers can be searched in our provider directory tool no different from how you search local providers within South Dakota, North Dakota, Minnesota and Iowa.

How are the Simplicity plans handled from a provider network standpoint if I am an employee who does not reside within Sanford Health Plan service area?

The Simplicity plans access the Broad Network. This means that if you are an employee who resides outside the Sanford Health Plan footprint, you have access our national network at an in-network level. We utilize a national network called MultiPlan and these providers can be searched in our provider directory tool no different from how you search local providers within South Dakota, North Dakota, Minnesota and Iowa.

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