Medicare in South Dakota
Find affordable Medicare plans in South Dakota
If you’re a Medicare beneficiary living in South Dakota, you may want to take note of the choices you may have in how you receive your Medicare coverage and what other benefits may be available to you. You can learn more about these options below.
Original Medicare for South Dakota residents
In South Dakota, 127,743 people (or 78% of Medicare beneficiaries in the state) received their Medicare benefits through Original Medicare as of January 2017, according to the Centers for Medicare & Medicaid Services (CMS).
Original Medicare is the federal government health insurance program available to eligible American citizens and permanent legal residents (of at least five consecutive years) aged 65 and older. If you’re younger than 65, you might be eligible if you receive disability benefits.
Original Medicare includes Part A and Part B.
- Part A generally covers inpatient hospital care, skilled nursing care, hospice care, and limited home health care.
- Part B may cover physician services, outpatient treatment, and diagnostic tests such as laboratory and radiology (x-ray) services, preventive medical services, durable medical equipment, and limited home health services.
Medicare plans offered by private insurance companies in South Dakota
Medicare Supplement (Medigap) plans: If you decide to stay with Original Medicare (Part A and Part B), you may have the option to sign up for a Medicare Supplement (Medigap) plan to help pay for Original Medicare’s out-of-pocket costs. Medicare Supplement plans are offered by private insurance companies. Different Medicare Supplement plans pay for different amounts of those costs, such as copayments, coinsurance, and deductibles. You pay a monthly premium to the insurer for Medicare supplement insurance, and the premium can differ among insurance companies offering the same benefits, so you might want to compare costs as well as benefit coverage options when considering a Medicare Supplement plan.
A Medicare Part D Prescription Drug Plan can help pay your prescription drug costs. Designed to work alongside your Original Medicare coverage, stand-alone Medicare Part D Prescription Drug Plans are available from private insurance companies approved by CMS and doing business in South Dakota. Twenty-two Medicare Part D Prescription Drug Plans offer prescription drug benefits in South Dakota in 2017, according to CMS.
Medicare Advantage plans are offered by private insurance companies that contract with Medicare. Medicare Advantage plans must provide at least the same benefits as Medicare Part A and Part B, except hospice care, which is paid by Medicare Part A. These plans are also required to limit your annual out-of-pocket spending for services covered under Medicare Parts A and B.
Many Medicare Advantage plans also include extra benefits such as routine dental and vision care. Some plans may also include prescription drug coverage. These Medicare Advantage Prescription Drug plans deliver your Medicare medical and prescription drug benefits through a single plan.
To enroll in a Medicare Advantage plan in South Dakota, you must have Medicare Part A and Part B. Typically you pay your monthly Medicare Part B premium, as well as the Medicare Advantage plan’s premium, if it has a premium. You also must live in the Medicare Advantage plan’s service area. According to CMS, 78% of people with Medicare have access to at least one of the eight Medicare Advantage plans available in South Dakota in 2017.
If you’re ready to explore your Medicare plan options in depth, you can identify the plans that are available where you live in South Dakota by simply entering your zip code in the Plan Finder on this page.
South Dakota resources for Medicare beneficiaries
South Dakota has agencies that provide information about Medicare and other matters that may concern older or disabled people. For example:
Medicare statistical trends in South Dakota
Here are some facts and trends about Medicare coverage in South Dakota reported by the Centers for Medicare & Medicaid Services (CMS) that you may find helpful.
- The number of people in South Dakota who have Medicare coverage continues to grow: from 143,069 in 2012 to 163,088 in January 2017.
- Enrollment in Medicare Advantage and other Medicare plans offered by private insurance companies surged from 13% in 2012 to 22% in 2016.
- The number of Medicare beneficiaries in South Dakota who enrolled in a Medicare plan offering Part D prescription drug coverage increased from 92,811 in 2012 to 109,467 in 2016. As of January 2017, this figure was up to 112,344, which is about 69% of Medicare beneficiaries in South Dakota.
- 72 % of people with Medicare Part D prescription drug coverage have access to a Medicare plan offering prescription drug benefits with a lower premium than they paid in 2016.
Statistical data from the Centers for Medicare & Medicaid Services, “2016 MA Part D Landscape State-by-State Fact Sheet,“ September 22, 2016 and “Medicare Dashboard,“ Office of Enterprise Data & Analytics (OEDA), April 2017.
Data in this article was checked when the article was written and might not be updated as newer data becomes available.
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.
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