If you are seeking a South Dakota Medicare plan, Boomer Benefits can be your one-stop-shop. We work with over 30 carriers in your area. We help South Dakota residents shop Medigap plans, Medicare Advantage plans, and Part D plans.
South Dakota Medigap plans
South Dakota Medigap plans offer peace of mind and stability for Medicare beneficiaries. These Medicare supplements are offered by quite a few different insurance carriers, including big name brands like United Healthcare, Aetna, and Cigna.
When shopping for plans though, be sure to get quotes for some of the smaller carriers too – your state has quite a few A-rated carriers offering plans for competitive prices.
South Dakota Plan F policies are very popular because policyholders can seek treatment with any healthcare provider who accepts Medicare. No copay is due at the time of doctor visits because your Medicare supplement plan pays that for you. Even better, your hospital deductible and copays are covered as well, so you don’t have to worry about bills piling up in your mailbox while you are working on getting well.
Some beneficiaries also like the South Dakota Medigap Plan G, which is generally less expensive than Plan F. Plan G policyholders pay a small outpatient deductible once a year upon their first usage of their Medicare benefits. However, the annual premium savings is generally greater than the deductible, which means greater savings for you overall.
However, not everyone can afford the usually high monthly premium that comes with Medigap. If that’s the case, you can look into Medicare Advantage plans as they are a good alternative.
South Dakota Medicare Advantage plans
Nearly 20% of South Dakota residents choose these plans, which offer lower premiums if you are willing to see doctors in the network and pay copays for your doctor visits and hospital stays. Our agency can help you search the provider directories for well-known insurance companies offering these plans, which can ensure that you’ll choose a plan that your doctor participates in.
Medicare Advantage plans in South Carolina also include Part D plans usually. That means all your health and drug benefits are wrapped up in on pretty package. With Medigap, you’ll need a separate Part D plan for drug coverage.
Another difference between Medicare Advantage and Medigap plans is that Medicare Advantage plans usually have very strict small networks, whereas Medigap plans have no networks. This means if you have a Medigap plan, you can see any doctor in the country who accepts Medicare.
Common Questions About South Dakota Medicare:
Here are some of the most commonly asked questions our team gets about Medicare Supplement plans in South Dakota.
Medicare Supplement plan premiums vary by person. They are based on your age, gender, zip code, carrier, plan, tobacco use, and more. With that said, South Dakota has fairly moderate Medicare Supplement rates.
Certainly. You can use your Medicare Supplement anywhere in the country that accepts Medicare.
There are over 20 Medicare Advantage plans available in South Dakota, and 19% of Medicare beneficiaries in South Dakota are enrolled in them.
Find the most cost-effective plan in South Dakota
With our software, we can search your area and find the top 3-5 most cost-effective Medicare plans in your specific area. Because we are a brokerage that represents 30+ carriers, we can compare multiple plans from each carrier, so you don’t have to.
Call us today for free quotes.