Like almost every state in the U.S., South Dakota offers ten standardized Medicare Supplement plans. Nearly 172,000 residents in South Dakota have some form of Medicare. As a beneficiary, it’s important to understand the details of Medicare in your state. While states have similar guidelines, those guidelines aren’t the same across the board. In this content, you learn everything you need to know about Medicare plans in South Dakota.
What are the Best Medicare Supplement Plans in South Dakota
South Dakota Medicare Supplement plans are available to beneficiaries that reside in the state. The standardization of plans means that Plan G has identical benefits no matter the company.
In other words, your Plan G will provide the same benefits, whether you live in Sioux Falls or Brookings. Also, Plan G remains the same coverage whether you choose Aetna or Mutual of Omaha.
Plan G will cover a wide variety of costs but won’t cover your Part B deductible. The most comprehensive policy is Plan F, but it’s not available to those newly eligible.
Another great choice is Plan N, while there are a few copays, the premiums tend to be lower than the other top options.
One of the best parts about Medigap is that if you live in South Dakota and have a doctor in North Dakota, you’ll have access to that doctor without concerns of a service area.
When Can I Sign up for Medigap in South Dakota
When you live in South Dakota, you can sign up for Medigap any day. But your best bet is to enroll during Medigap’s Open Enrollment Period.
If you’re not new to Medicare, you may need to go through underwriting to obtain Medigap. Thankfully, there are 49 insurers that offer Medigap in this state.
So, if one company won’t approve your application, another company might. There are several instances where you may qualify for a Special Enrollment Period.
If you’re trying to navigate eligibility, we highly recommended using an agent. Our agents can help you identify your Medigap eligibility.
In South Dakota, Can I Get a Medicare Supplement Plan Under 65
In South Dakota, insurers can’t charge someone under 65 more than they would charge someone at age 75 for a Medigap plan. Further, those under 65 are eligible for the Medicare Open Enrollment Period upon gaining eligibility for Medicare.
Even though you qualify for the Open Enrollment Period when Part B begins, you’ll have the opportunity to qualify again upon turning 65. Meaning, those under 65 on Medicare get two Medigap Open Enrollment Periods in their life, instead of just one.
Many states don’t offer benefits like these to their residents. If you move, be sure to notify Medicare and your plan of any changes.
How Much Does Medigap Cost in South Dakota
A woman who is 65 in South Dakota can get Plan G for around $120 a month. Now, if you’re a 65-year-old woman with Plan N, your premium will likely be around $100 a month.
A man who is 65 with Plan G can expect to pay about $165 each month. But, a 65-year-old man with Plan N may pay about $125 each month.
Your costs may be slightly higher with age. We run our pricing estimates on our quoting tool. These estimates are current, but rates may vary between counties, eligibility, and more.
Facts About Medicare Advantage Plans in South Dakota
Almost 20% of beneficiaries in South Dakota have Medicare Advantage. There are 16 Medicare Advantage Part D plans in the state, and some areas have a few Medicare Advantage options.
Costs range from $0 – $240 a month for a policy.
You’ll want to be sure ALL your doctors are in-network.
Finding the policy that brings you the most value is harder than it sounds, as you may have already discovered. Instead of calling each company individually, you can call our agents to get quotes from the top carriers in your area.
Our goal is to help you the same way we help our family find the most suitable coverage. You deserve to know the pros and cons of your options, transparency is key.
When you work with us, you have continuous access to a team of Medicare experts. Give us a call at the number above to get help in the enrollment process.
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