South Dakota Medigap Plans, AKA Medicare Supplemental Policies, work as MedSup plans do in most states. We will go over the Medigap rules for the Mount Rushmore State in this Senior65.com article.
South Dakota Medigap Plans Basics
Medigap, a private health insurance, complements Original Medicare by covering gaps like deductibles and co-payments. Like in most states, Medigap in SD usually covers the 20% of authorized Medicare expenses not paid by Medicare (Parts A and B). This can include hospital bills, doctor fees, lab tests, and more, but excludes prescription drugs. Here is an in depth overview of how Medigap works.
Key Coverage points include:
- Medigap Eligibility Criteria: To qualify for Medigap, you must have both Medicare Parts A and B.
- Medigap exclusion: If you’re in a Medicare Advantage Plan (Part C), you can’t enroll in Medigap.
- Medigap coverage limitations: Medigap policies only cover an individual; spouses need separate policies but sometimes you can get a discount if
- Medigap Deadlines: If you miss your enrollment deadline, insurers may deny coverage based on pre-existing conditions. Scroll down to learn when to enroll in Medigap in South Dakota.
Comparing South Dakota Medigap Plans
Below is a list of all the plans available in SD for those Medicare-eligible after January 1, 2020. The majority of our clients select Plan G. If you need help selecting the plan that is right for you, call Senior65.com at 800-930-7956.
| Benefits | A | B | D | G** | K | L | M | N |
|---|---|---|---|---|---|---|---|---|
| Medicare Part A Deductible ($1,676) | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($257) | ||||||||
| Medicare Part A Hospital Coinsurance and 365 additional hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| First 3 Pints of Blood for a Transfusion | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Medicare Part A Hospice Coinsurance or Copay | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% | 50% | 75% | 100% | 100% | ||
| Medicare Part B Excess Charges | 100% | |||||||
| Foreign Emergency Healthcare | 80% | 80% | 80% | 80% | ||||
| Max Out-of-Pocket | $7,200 | $3,610 |
How Much Do South Dakota Medigap Plans Cost?
The cost of SD Medigap policies depends on the plan, provider, age, and location. To find out the exact cost for your Medigap plan in South Dakota, quickly get a quote by clicking the button below. You will receive a price in less than 30 seconds and all contact information is optional.
Get a Medigap Quote Enroll in Medigap
South Dakota Medigap Most Popular Plans
America’s Health Insurance Plans (AHIP) data shows that over 73,000 South Dakota residents have chosen MedSup plans. Plan F remains the leader in enrollment, but for those unable to join Plan F, Plan G has become the next best option, now with over 33,000 enrollees.
Discover why South Dakota Medigap Plan G is so popular. Click to see costs, pros, cons, and FAQs!
When to Enroll in South Dakota MedSup Plans
Most people enroll in Medigap in South Dakota during the 6 month period once they are both over 65 AND enrolled in Medicare Part B. This is called the Open Enrollment Period (OEP) although it is sometimes referred to as your Initial Open Enrollment Period. Enrolling during this period means you will be approved for Medigap regardless of your current health status.
The term “Open Enrollment” can be misleading as it doesn’t happen every year. Medigap Open Enrollment is usually a one-time chance to get Medigap without a medical review. It is not an annual event. If you missed this OEP period, you can still apply for Med Supp but you will usually have to answer health questions before approval. Check out other Medigap enrollment options in our article, “Help! I’ve Missed My Medigap Initial Enrollment Period. What Should I Do?“.
Get a Medigap Quote Enroll in Medigap
Switching South Dakota Medigap Plans
Feel like your Medicare plan isn’t covering you as it should? It’s time for a change! The AEP Open Enrollment (Oct 15 to Dec 7) isn’t for Medigap plans in your state, but as a policyholder, you can do so at any time. Just remember, you might need to go through the application process again and answer some medical questions to get approved. The Med Supp application has approximately 20 health-related questions. Approval and rates vary depending on your answers, and certain conditions may lead to denial.
Finding the ideal plan is easier with our help. Call us at 800-930-7956 and discover how to save money and improve your coverage. For a deeper dive into your rights and the regulations, take a look at our article, “Medicare Insurance Switching: Ultimate Guide.”
Medigap Under 65 in SD
Individuals under 65 qualifying for Medicare due to a disability, also a six-month open enrollment period beginning on the date of enrollment in Part B Medicare. MedSup providers will approve those under 65 but they can charge more. For details, check out our article “Medigap Under 65.”
South Dakota Medigap and Cancer Policies
Separate cancer insurance policies can be sold in addition to a Medicare supplement policy in South Dakota. State laws require that the cancer policy must pay benefits regardless of whether Medicare pays. [Source] For more on cancer treatment coverage, check out our article “Does Medicare Cover Chemotherapy?“
Medicare Excess Charges in SD
Medicare allows doctors and facilities to charge patients up to an additional 15% in fees. These are called Excess Charges and patients are required to pay them. Some states have banned Excess Charges but unfortunately, South Dakota is not one of them. The good news is that many Medigap plans, Including Plan G, will pay these Excess Charges for you. So if you want to avoid a surprise 15% bill, consider Medigap G.
Exclusive Discounts for South Dakota Medigap
Some SD companies offer “Medigap Household Discounts” or “HH Discounts.” These discounts may reduce monthly Medicare Supplement premiums for two individuals at the same address with the same Medigap insurance company.
To confirm household discounts, click the Household discount button on our Med Supp quoting system or contact our licensed agents for personalized insights.
The Roommate Discount is another great choice with simple requirements. Find out more in our article, “What is the Medigap Roommate Discount and How Can You Get It?“.
Additionally, most insurance providers will offer a $2 or $3 discount each month if you sign up for Autopay from your checking or savings account.
Next Steps in your South Dakota Medigap Journey
If this overview our Senior65.com team is ready to provide expert guidance. Our commitment to service comes with no fees to you. No insurance provider or agent can sell the same Medigap plan for less than we can.
Take the next step by getting a Medigap quote through this link or leave a comment below for a conversation.