South Dakota Medicare Supplement Plans: South Dakota Medicare

Medicare Supplement Insurance Plans in South Dakota

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What Are Medicare Supplement Insurance Plans in South Dakota?

If you’re a South Dakota resident who is approaching Medicare eligibility, you might be interested in a Medicare Supplement Insurance plan. Also referred to as Medigap, a Medicare Supplement Insurance plan in South Dakota can help cover some of the gaps left by Medicare Parts A and B, including copayments, coinsurance and deductibles. Private insurance companies throughout South Dakota offer Medigap plans.

Medicare Supplement Insurance Plans in South Dakota - Image

In 2023, South Dakota residents have many Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits in Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

South Dakota residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan they might want to consider.

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What Are the Most Popular Medicare Supplement Insurance Plans in South Dakota?

South Dakota residents have the option to purchase government-approved Medicare Supplement Insurance plans. See below for a view of the most popular Medigap options selected by South Dakota residents. Throughout South Dakota, insurance companies that sell Medigap plans offer the same basic benefits. However, there may be different prices depending on where you live and the insurance carrier. In addition, each insurer in South Dakota may not offer each of the Medigap plans.

As reported by America’s Health Insurance Plans (AHIP), 73,780 South Dakota beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of South Dakota enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	230	53	249	55	61	39,433	30,542	7	26	330	107	63	2	2,257

Source:

AHIP

(2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that a South Dakota Medicare Supplement Insurance plan does not include prescription drug coverage. However, you can buy an additional Medicare Prescription Drug plan or consider a Medicare Advantage plan.

You can learn more about Medicare Supplement Insurance plan options in South Dakota by working with a SelectQuote licensed insurance agent. Acting as your advocate, our team can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in South Dakota.

South Dakota residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.

When is the South Dakota Medicare Supplement Plan Enrollment Period?

Initial enrollment timeframes are very important. Enrollment for South Dakota Medicare Supplement Insurance plans begins the first day of the month you turn 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.

South Dakota residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Those under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. You might be surprised to hear that enrollment can begin as early as 64 and 6 months. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. If you apply for Medicare Supplement Insurance outside of this window, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

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Is a South Dakota Medicare Supplement Insurance Plan Right for You?

In order to learn more about your Medicare plan options, contact SelectQuote. We can help ensure you’re getting all of the benefits available to you while staying current on annual plan changes. As a trusted independent company, SelectQuote will help you find the right South Dakota Medicare Supplement Insurance plan to meet your needs.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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