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Medicare Supplement Plans in South Dakota

Many Medicare beneficiaries are beating out-of-pocket costs by enrolling in a Medicare Supplement plan in South Dakota. The federal Medicare program has a lot of gaps in coverage, resulting in out-of-pocket expenses. Beneficiaries have the option to pay one monthly premium for Medicare Supplementary benefits rather than keeping up with those uncovered expenses. That option comes with Medicare Supplement plans in South Dakota.

How much does a Medicare Supplement Plan in South Dakota Cost?

South Dakota Medigap premiums are dependent on a variety of factors. As an example of potential rates for a Medigap plan in South Dakota, we ran quotes for a 65-year-old female who doesn’t smoke and lives in zip code 57106, Lincoln County.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$92.94 - $191.00
Plan N$81.17 - $122.80

What is the Best Medicare Supplement Plan in South Dakota?

Of the 10 Medigap plans in South Dakota, there are three that work best for the majority of beneficiaries. The following information will introduce each plan and allow you to compare the list of benefits for each of your leading plan options.

1. Best for Comprehensive Coverage – Plan F

If your Original Medicare start date is before January 1, 2020, you’re eligible to apply for Medicare Plan F. This is the most complete coverage offered and will eliminate most out-of-pocket costs, including copayments.

Some of the most noteworthy Plan F benefits include:

  • Medicare Part A deductible
  • Medicare Part B deductible
  • Part B excess charges
  • Medicare Part A coinsurance
  • Medicare Part B coinsurance
  • Foreign travel emergency care (up to plan limits)

2. Best Extensive Coverage – Plan G

Plan G doesn’t cover the Medicare Part B deductible but is otherwise identical to Medicare Plan F. It’s the most complete coverage available to beneficiaries with Part B effective dates after January 1, 2020.

3. Best Coverage at Value Prices: Plan N

Medicare Plan N covers the Part A deductible and coinsurance but has some limitations when it comes to Medicare Part B coverage. It excludes the Part B deductible and excess charges in addition to requiring the following copayments:

  • A maximum of $20 for doctor visits
  • A maximum of $50 for emergency room visits

When can I Enroll in a Medicare Supplement Plan?

If you’re 65 years old and your eligibility for Social Security is established, you can apply for a Medicare Supplement insurance plan in South Dakota at any time.

What’s the catch? The insurance company can put your application through medical underwriting and raise your rates based on pre-existing conditions if you apply outside of your Medigap Open Enrollment Period. The insurer can even deny your application.

So, what is the open enrollment period? It starts the month that you turn 65 and sign up for Original Medicare. It opens your eligibility for the following guaranteed issue rights:

  • You are guaranteed enrollment in the plan of your choice.
  • Your rates are not based on your medical history.
  • The insurer cannot cancel your policy unless you stop making monthly premium payments.

You can enroll in a Medicare Part D plan while applying for your Medigap plan. That will complete your Medicare benefits package.

What Companies Sell Medigap Plans in South Dakota?

There are approximately 50 insurers offering Medigap plans in South Dakota. When selecting a Medicare Supplement insurance company, it’s important to consider the financial rating and stability of the company in addition to pricing.

The following private insurance companies have excellent to superior financial ratings and are well known for offering competitive rates plus excellent customer care:

  • Mutual of Omaha
  • Cigna
  • Aetna

Related Topics

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

South Dakota Medicare Resources

South Dakota Enrollment Statistics

Seniors from all over the state shop for Medicare Supplement insurance plans in South Dakota, including those from the five largest counties:

  • Minnehaha County
  • Pennington County
  • Lincoln County
  • Brown County
  • Brookings County

A few more stats about Medicare recipients and Medigap plans in South Dakota:

  • More than 129,000 people who live in South Dakota are enrolled in either Medicare Part A, Medicare Part B or both.
  • Of the 129,000 Medicare recipients across the state, 65,201 were enrolled in a Medigap plan in 2015. This means that 51.6 percent of Medicare recipients in South Dakota rely on Medicare Supplement plans.
  • Medigap Plan F was by far the most popular Supplement plan for South Dakota residents in 2015.
  • Of the Medicare Supplement plans in South Dakota, Plan M was the least popular in 2015.
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