South Dakota Medicare: Medicare Advantage Plans in South Dakota

Medicare Advantage Plans in South Dakota

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How Do Medicare Advantage Plans Work in South Dakota?

For South Dakota residents getting ready to turn 65, it’s time to start doing your research when it comes to the costs and benefits of Medicare plan options, including Medicare Advantage plans in South Dakota.

Medicare Advantage plans are also known as Medicare Part C and combine the coverage of Medicare Part A (hospital insurance) and/or Medicare Part B (medical/doctor’s office insurance). South Dakota residents can purchase a Medicare Advantage plan through private insurance companies. Medicare Advantage plans are approved by Medicare, offer at least the same level of coverage as Medicare Part A and Part B and often include additional benefits as well.

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Who Is Eligible for a Medicare Advantage Plan in South Dakota?

South Dakota residents who are already eligible for Medicare Parts A and B and who live in an area of the state where Medicare Advantage plans are sold are eligible for a Part C plan. Deductibles, copayments and coinsurance vary depending on the Medicare Advantage plan in which you choose to enroll.

South Dakota residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance plan at the same time. A Medicare Supplement Insurance plan helps provide coverage for some of the gaps in coverage including copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Does a Medicare Advantage Plan in South Dakota Cover Prescription Drugs?

Any South Dakota resident looking for prescription drug coverage should consider buying a Medicare Part C plan, because some Medicare Advantage plans may include a Medicare Prescription Drug plan. A Medicare Advantage plan that includes drug coverage is called a MAPD plan and can help cover prescription drug costs.

Most Popular Medicare Advantage Plan in South Dakota

Finding the right Medicare Advantage plan in South Dakota is as unique as the person the plan is for. Among South Dakota residents who are enrolled in Medicare Advantage, 91% are enrolled in a Local PPO and 9% are enrolled in an HMO/HMOPOS plan, as reported by the Centers for Medicare & Medicare Services (CMS.gov). Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage plan in South Dakota for your needs and budget.

You can become more informed about Medicare Advantage plans available in South Dakota by contacting a SelectQuote licensed insurance agent to guide you through the Medicare maze. Acting as your advocate, our licensed insurance agents help you weigh the Medicare Advantage plan options in your area, understand costs and answer questions throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you find a plan that meets your budget and needs.

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South Dakota Medicare Advantage Plan Enrollment Period

Enrollment in a Medicare Advantage Plan occurs during specified enrollment periods. Medicare enrollment in South Dakota opens for residents prior to turning age 65 or earlier for those younger and with certain conditions. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends three months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re a South Dakota resident with a November birthday, your IEP runs from August through February.

You may also enroll in a Medicare Advantage plan during the Medicare Annual Enrollment Period, which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, South Dakota residents can:

Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
Change from one Medicare Advantage Plan to another
Switch from one Prescription Drug (Part D) plan to another
Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, South Dakota residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is a South Dakota Medicare Advantage Plan Right for You?

When you’re ready to ensure you are getting all Medicare benefits available to you, SelectQuote can help. We can also assist you with staying up-to-date on annual changes insurance companies make to Medicare plans. As a trusted independent third-party company that helps beneficiaries understand their Medicare options, SelectQuote is here to help you find the right Medicare Advantage plan in South Dakota to meet your needs.

To ensure you are getting all the benefits you need, call or complete your online form today. Let SelectQuote’s experienced licensed insurance agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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