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South Dakota Medicare Plans

There are many Medicare plans options to fit your needs in South Dakota. These Medicare plans are best when combined with a Supplement and/or a Part D plan. These additions can limit your out-of-pocket spending and provide additional coverage. All these options can be confusing. This is why it’s best to work with a Medicare agent to ensure all your healthcare needs are met. 

South Dakota Medicare plans open enrollment

AT 65 you can begin the process for enrolling in Medicare. Your enrollment period begins the three months leading up to your birthday and continues for the three months following your birthday. At this time it is also best to enroll in a Supplement as you cannot be denied coverage based on your current health. 

While you can enroll in a Supplement at any time during the year, you will be expected to complete a health survey and can be denied coverage based on your existing health conditions. 

Medigap Plans

The Medicare plans in South Dakota are best when combined with a Supplement. Original Medicare leaves behind coinsurance and deductible costs. You may have additional costs as Original Medicare only covers about 80% of outpatient costs. 

A Supplement can put a cap on out-of-pocket spending. Another benefit is you can see any doctor that accepts Medicare. 

There are ten standardized plans lettered A-N. Similarly, lettered plans offer similar cover, the only difference being the cost. It is so important to compare and shop the best plan for your healthcare needs and your budget. We offer a service to assist you with this process that free!

If you were enrolled in Medigap plans C or F before  2019, you could remain enrolled in those plans; however, new beneficiaries cannot enroll in those two plans. 

Medicare Advantage Plans

Advantage plans or Part C plans are private insurance plans that offer all the benefits or Original Medicare as well as additional benefits. These additional benefits include vision, dental, and prescription drug coverage. There are 21 options for Part C plans in South Dakota. 

If you choose an Advantage plan you have a dedicated enrollment period each year to make changes to your plan or opt to an Original Medicare plan. This enrollment period runs from January 1st-March 31st. 

Medicare Part D

Part D plans provide prescription drug coverage. There are 28 Part D plans in South Dakota. These plans can limit your out-of-pocket spending at the pharmacy as Supplements and Original Medicare do not cover prescription drugs. 

How we can help

Remember, all plans provide standardized coverage, and the only difference is the cost. Our South Dakota licensed agents are ready to help you shop these plans to create the best combination of coverage for your needs and your budget. We offer this service at no cost to you. Reach out today and allow us to assist you through this enrollment process. 

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