Free hospital check
Is Monument Health in your plan? Get a free check.
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“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”
How the check works: a licensed agent checks Monument Health, and any doctors you name, against every 2026 marketplace plan filed in your county, then sends you the plans that include them and the date it was checked. It costs nothing, and you only get a call if you ask for one.
- Your ZIP code
- Who to check — Monument Health is filled in
- Your answer, usually the same day
Open Enrollment for 2027 runs November 1 to January 15: choose by December 15 for coverage from January 1. CareSource is leaving Ohio’s marketplace for 2027. If your plan is from CareSource, it ends December 31, and the plan that replaces it may not include Monument Health. A licensed agent will check the 2027 plans for you before you choose.
Monument Health runs 5 hospitals in South Dakota, in Custer, Deadwood, Rapid City, Spearfish, Sturgis. Whether a marketplace plan covers any one of them depends on the individual plan, not on the carrier's name, and it can change during the year. Here is what is actually knowable, and how to settle it for your own plan.
Insurance at Monument Health: the short answer
These 3 insurers sell 2027 marketplace plans in the 4 counties it serves: Avera Health Plans, Sanford Health Plan and Wellmark of South Dakota, Inc.
That is not a list of plans Monument Health accepts. Hospitals contract with individual plans, not whole insurers, so the same insurer can sell one plan that includes Monument Health and another that doesn’t. The answer that counts is a check of your exact plan, dated. Get my free hospital check ↑
Searching for MetLife, Delta Dental or Renaissance? Those are dental insurers: dental plans cover teeth, not hospital care. If you want dental coverage too, see dental insurance for individuals.
Where Monument Health is
5 facilities, taken from the CMS Hospital General Information file, updated 22 July 2026. Listing a hospital is not a statement about which plans contract with it — that is decided plan by plan.
| Hospital | City | County | Emergency room | CMS star rating | Type | Ownership |
|---|---|---|---|---|---|---|
| Monument Health Custer Hospital | Custer | Custer County | Yes | Not rated | Critical access | Non-profit |
| Monument Health Lead-Deadwood Hospital | Deadwood | Lawrence County | Yes | Not rated | Critical access | Non-profit |
| Monument Health Spearfish Hospital | Spearfish | Lawrence County | Yes | 4 of 5 | Acute care | Non-profit |
| Monument Health Sturgis Hospital | Sturgis | Meade County | Yes | Not rated | Critical access | Non-profit |
| Monument Health Rapid City Hospital | Rapid City | Pennington County | Yes | 3 of 5 | Acute care | Non-profit |
CMS star rating is the federal overall hospital quality rating, 1 to 5, from the same July 2026 CMS file. Small rural (critical access) hospitals often have too few reported measures to be rated.
Why no page can promise your plan covers Monument Health
Hospital networks are set plan by plan and renegotiated during the year. Two plans from the same insurer, at similar prices, can differ on whether a hospital is in network. Nothing in the public CMS files records hospital contracts, so any page listing "insurers Monument Health accepts" is describing one plan on one day, and not saying which.
What is knowable is the shape of the market: 3 insurers file 100 plans across the 4 counties below, and some plans in Custer County are PPOs, which pay something out of network; the rest (EPO) generally do not.
Three checks settle it for your own plan: the insurer’s own provider directory for the exact plan name, the hospital’s billing office (ask about the plan, not the carrier), and the date you checked, because the answer can change mid-year.
The 2027 marketplace where Monument Health sits
Filed rates for plan year 2027, before any premium tax credit. Benchmark Silver is the second-lowest-cost Silver plan for a 40-year-old, the plan credits are calculated against.
| County | Insurers filing | Plans filed | PPO sold | Benchmark Silver, age 40 | Family of 4, per month |
|---|---|---|---|---|---|
| Custer County | 3 | 25 | Yes | $801 | $2,562 |
| Lawrence County | 3 | 25 | Yes | $801 | $2,562 |
| Meade County | 3 | 25 | Yes | $801 | $2,562 |
| Pennington County | 3 | 25 | Yes | $801 | $2,562 |
In Custer County the insurers filing are Avera Health Plans, Sanford Health Plan, Wellmark of South Dakota, Inc. 4 of these counties have a PPO on the exchange.
How many providers each insurer lists in Custer County
Every insurer selling marketplace plans has to publish its provider directory as a data file. The figures count the doctors, clinics and hospitals each one lists at an address in Custer County, across the 2026 plans it filed there. Wellmark of South Dakota, Inc. lists the most, 114. Avera Health Plans lists the fewest, 91.
| Insurer | Providers listed in Custer County | Plans filed |
|---|---|---|
| Wellmark of South Dakota, Inc. | 114 | 7 |
| Sanford Health Plan | 98 | 9 |
| Avera Health Plans | 91 | 12 |
From each insurer’s own CMS machine-readable provider directory, downloaded September 25, 2026. A bigger number is not a promise about Monument Health. These files are self-reported, they go stale, and one insurer’s plans do not all use the same network — which is why a licensed agent checks the exact plan against Monument Health by hand above.
Open Enrollment 2027
No insurer has been reported leaving South Dakota's marketplace for 2027, but plans and networks are filed fresh every year. Open Enrollment runs 1 November 2026 to 15 January 2027. A licensed agent can check Monument Health, and any doctors you name, against the plans filed in your county and send you the ones that include them, with the date it was checked.
Emergency care is treated differently
5 of these locations run an emergency room. Federal law requires marketplace plans to cover emergency care at in-network cost sharing even when the hospital is out of network, so an emergency visit is not the case to worry about. Planned surgery, imaging, maternity and specialist follow-up are where the network matters.
More in South Dakota
Hospital systems
Avera Health · Brookings Health System · Huron Regional Medical Center · Prairie Lakes Healthcare System · Sanford Health