Medicare Supplement (Medigap) Plans in South Dakota

Understanding your options for Medicare Supplement plans in South Dakota can help you avoid paying for expensive medical costs. Also known as Medigap plans, these supplemental insurance policies help cover the leftover costs that occur with Original Medicare (Medicare Part A and Part B) alone. If you live in the Mount Rushmore State, you have plans to choose from, but the availability of each will depend on your ZIP Code.

With so many options, it can feel like a lot to go over, but having these choices helps ensure that everyone has the best healthcare benefits for their needs. In addition to Medicare Supplement plans, South Dakota residents have access to Medicare Advantage plans and ancillary products. The best option depends on your needs. Explore Medicare Supplement plans in SD and find the right coverage for your health and budget.

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Best Medicare Supplement Plans in South Dakota

Finding the best Medicare Supplement plans in South Dakota means pinpointing your healthcare needs and finding benefits that meet them concerning your budget. Medigap plans are the same among brands, but the amount you pay will differ depending on your provider.

Again, the best Medigap plans in South Dakota will vary from person to person because everyone has different needs. Still, three options remain the most popular for South Dakotans: Medicare Supplement Plan F, Plan N, and Plan G.

Medicare Supplement Plan F delivers the most benefits for those who enroll. This means you’ll have the cost of your copayments, coinsurances, and deductibles for Original Medicare (Medicare Part A and Medicare Part B) provided by your coverage.

But Plan F has a restriction. It’s not going away, but only those eligible for Medicare before January 1, 2020, can enroll. As a result, Medicare Supplement Plan G in South Dakota is becoming an increasingly popular option. This is because Medigap Plan G covers the same Medicare expenses as Plan F, minus your deductible for Medicare Part B.

Lastly, there is also Medicare Supplement Plan N, an excellent choice for those looking to save on premiums. You’ll need to cover copayments when receiving healthcare from a doctor or while visiting the Emergency Room, but if hospital admission occurs, your Emergency Room copayment is waived.

Medigap Plan N won’t pay for your Medicare Part B deductible or any excess charges. Most doctors accept Medicare Assignment. However, for those that don’t, excess charges can occur that your benefits won’t cover.

Medicare Supplement Plan N saves you on premiums and can be an excellent choice if you don’t require much healthcare. Medigap Plan G, or Plan F if you qualify, can be the best option for those who need a higher level of benefits.

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Medigap Cost in South Dakota

If you’re looking for cheap Medicare Supplement insurance in South Dakota, you need to understand the factors that affect your premiums. Remember, your coverage comes from private insurance carriers that will assess various elements to create your premium. The most common variables they look at will be your age, gender, the number of benefits you need, and whether or not you use tobacco products.

While there may be exceptions, the general rule of thumb is that men, smokers, and older enrollees pay higher rates than their counterparts. The same goes for beneficiaries who require more benefits than those enrolling in fewer benefits.

Comparing Medicare Supplement plans in South Dakota can help you better understand what you’ll pay on average for Medigap coverage. For our methodology comparing Medigap plans, South Dakota residents represented are a 65-year-old male and female to a 75-year-old male and female of the same ZIP Code within the state. Nobody is a tobacco user.

Female, No Tobacco, South Dakota ZIP Code 57106
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $112-$388* $142-$439*
Medicare Supplement Plan G $99-$368 $114-$373
Medicare Supplement Plan N $73-$267 $95-$375
Male, No Tobacco, South Dakota ZIP Code 57106
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $128-$438* $164-$473*
Medicare Supplement Plan G $108-$416 $131-$416
Medicare Supplement Plan N $82-$288 $104-$403

* If on Medicare before 01/01/2020

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Taking the time to compare Medigap plans in South Dakota is a significant first step, and you’ll notice that if you’re older, your premiums can increase. This is due to the state’s usage of either Issue Age Rating or Attained Age Rating when creating premiums.

Enrolling as soon as you are eligible at age 65 or due to suffering a disability is always the best decision. This timeframe is known as your Medigap Open Enrollment Period, and enrolling during this time can save you money.

Those who don’t sign up during this time can still enjoy their Special Enrollment Period, if they experience a qualifying life event, such as moving or losing your coverage. During this time, you can enroll without the threat of being denied coverage from healthcare questions.

During this time, Medicare applicants have Guarantee Issue rights, a 63-day period in most cases, when they can’t be denied coverage due to current or previous medical conditions.

But failing to sign up during these periods doesn’t mean you can’t receive coverage. Medicare Supplement plans in South Dakota are available anytime. However, you’re going to have to go through Medicare Supplement underwriting before receiving coverage and private insurance companies can deny you benefits based on your health.

South Dakota Medicare Eligibility Under 65

In South Dakota, insurers can’t charge someone under 65 more than they would charge someone that is aged 65 years or older for Medigap coverage. Furthermore, 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 Medicare Part B begins, you’ll have the opportunity to qualify again upon turning 65. This means 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, so if you move, be sure to notify Medicare and your plan of any changes.

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What Is the Best Insurance Company for South Dakota Medigap Plans?

The best company for Medicare Supplement plans in South Dakota provides you with affordable coverage that meets your healthcare needs. Remember, private insurance companies can vary in cost, so it’s important to shop around. Take a look at some of the top brands offering South Dakotans Medigap benefits:

  • Aetna plans have a 30-day free look period.
  • Bankers Fidelity knows to put its clients first and has excellent customer service.
  • Blue Cross Blue Shield (BCBS) of South Dakota is home to several discounts, including automatic billing and prepayment discounts.
  • Capitol Life
  • Cigna will allow you to pre-enroll in your policy 90 days before the effective date if you qualify.
  • GPM also goes by the name Government Personnel Mutual and delivers a wide spectrum of plans for clients to choose from.
  • Humana helps seniors maintain their health through both SilverSneakers memberships and the Go360 Wellness program.
  • Lumico Life Insurance averages a four-day return for processing claims.
  • Manhattan Life is a great choice for spouses and partners over the age of 60 that have been living in the same home for more than a year.
  • Mutual of Omaha offers the Mutually Well gym membership, a favorite among seniors.
  • National General can help households save as much as 7% through discounts for those who qualify.
  • United American has a lot to offer, but its offerings of high-deductible Medicare Supplement plans are some of the highlights.
  • UnitedHealthcare SilverSneakers memberships are a coveted benefit by many seniors.

If you’re looking for Medigap plans in South Dakota, there are plenty of options. By working with a licensed Medicare agent, you’ll be able to find the right coverage and maximize your benefits, all while meeting your budget.

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Alternative Medicare Coverage Options for South Dakota

For some, Medicare Supplement policies aren’t the best option, but there are still costs left over from having Original Medicare by itself. However, there are plenty of options available:

  • Medicare Advantage (Medicare Part C) can help you cover costs for less in some cases, but beneficiaries will pay for out-of-pocket costs and deal with plan restrictions. Note: you can have either Medigap coverage or Medicare Advantage, but not both at the same time.
  • Medicare Part D plans are the perfect solution for beneficiaries looking to cover the cost of their prescription drugs. Different plans cover different drugs, meaning you’ll want to be sure your plan covers your medication. This can be checked by viewing your plan’s formulary.
  • There are also ancillary policies covering healthcare, such as dental, vision, and hearing, that Medicare doesn’t cover. These policies allow beneficiaries a more complete form of coverage for their health needs.

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How to Apply for Medicare in South Dakota

When it comes to Medicare Supplement plans, South Dakota residents don’t have to face it alone. There are plenty of options available, and by speaking with a licensed Medicare agent, you’ll find the perfect coverage for your needs.

We aim to help you sort through the noise and find the right coverage. Whether you require a Medigap plan, Medicare Advantage, or other related coverage, we’re here to find personalized benefits that work best for you.

Call us at the number above to get help applying to Medicare Supplement plans in South Dakota, or get a quote by completing our online rate form today!

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Buddy Blouin

  • Content Strategist

Buddy Blouin is a healthcare writer helping seniors learn more about their coverage options. A graduate of Nicholls State University, Buddy helps educate people about complex health topics in a simple, digestible way.


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