Health Plan Options

Fitting Your Unique Needs

The home building industry requires health care solutions that fit its unique needs. Home builders demand health coverage to enhance business culture, increase productivity, and reduce turnover and absenteeism. The Home Builders Association offers its members exclusive pricing for Wellmark Blue Cross and Blue Shield coverage throughout South Dakota. Wellmark is the only health insurance carrier endorsed by the South Dakota Home Builders Association.

Association members statewide will be able to work with a designated local insurance agent, to select the best plan for their company. Take a look at some of the key features of the plan, then contact the Insurance Representative that is your designated Association’s Contact!

Plan Details		SDHBA Traditional PPO	SDHBA Global PPO	SDHBA Modified PPO	SDHBA HDHP One PPO	SDHBA HDHP Two PPO
Deductible	Single	$3500	$5000	$8550	$6900	$7450
Deductible	Family	$7000	$10,000	$17100	$13,800	$14900
OOP Maximum	Single	$7200	$8,150	$8550	$6,900	$7450
OOP Maximum	Family	$14,400	$16,300	$17100	$13,800	$14900
OV Copays	PCP	$35	$75	$80	Deductible	Deductible
OV Copays	Specialist	$75	$125	$160	Deductible	Deductible
Coinsurance		40%	50%	0%	0%	0%
ER Copays		Deductible/ Coinsurance	$400	$1000	Deductible	Deductible
RX Copays		$15/$50/$75 Deductible/ Coinsurance	$30/$80/$200 $300/$400	$30/$90/$300 $400/$500	Deductible	Deductible

Print SDHBA 2023 Benefits Summary Rate

Eligibility Requirements

Builder & Associate Members in good standing with the Home Builders Association as defined in Employer Participation Agreement.
Member’s business must be domiciled in South Dakota and have at least 1 full-time employee.
Entry into the plan must be a 3 year commitment. Exiting the program before this time will result in a penalty and waiting period for re-entry.

NOTICE This policy is issued through an association. By accepting coverage, you must participate in this plan for a minimum of three years to avoid penalties for early departure.

Wellmark Blue Cross and Blue Shield of South Dakota is an independent licensee of the Blue Cross and Blue Shield Association. Wellmark® and BeWell 24/7® are registered trademarks of Wellmark, Inc. The Blue Cross® and Blue Shield® symbols, and Blue365® are registered trademarks of the Blue Cross and Blue Shield Association. Dr. on Demand® is a registered trademark of Dr. on Demand, Inc. Dr. On Demand provides an online telemedicine platform for delivery of services by licensed professionals. Services provided through Dr. on Demand are covered by Wellmark Blue Cross Blue Shield of South Dakota.