Medicare Advantage Plans by South Dakota County
Hey South Dakota seniors, welcome! This page has the complete list of Medicare Advantage Plans for South Dakota beneficiaries. Health plans are organized by county to make them easy to find. A Medicare Advantage plan replace your Original Medicare benefits with government approved private healthcare insurance (HMO or PPO) that saves money.
Locate and click on your South Dakota county to compare plans. Not all counties have the same plans available, and some rural counties may not offer Medicare Advantage. It’s all based on the adequate availability of healthcare provider networks.
Find a South Dakota Medicare Insurance Agent!
We maintain an exclusive list of Medicare insurance agents and agencies licensed to sell Medicare Advantage plans in South Dakota. Click Here to see your agents. You can request confidential quotes online to compare rates.
Medicare Advantage vs. Original Medicare with Medigap: South Dakota Full Coverage Choices
If you’re concerned that an HMO or PPO health plan will overly limit your care, a Medicare Advantage Plan is not your only option. For a small amount more in your monthly premium you can have the best senior healthcare available. When you keep your Original Medicare and supplement it with Medicare Part D and supplemental Medicare insurance, you have full coverage with very few restrictions. Medicare supplement insurance (Medigap) in South Dakota protects you from the risk of big hospital and doctor bills. See our Medicare Supplemental Insurance page for more information. You will be relieved to know that all supplement plan available in South Dakota are are standard. That means you have the benefit of shopping by best price.
South Dakota Medicare Advantage Enrollment Options
If you want to enroll in a Medicare Advantage plan available in South Dakota, you can do so during an enrollment period. South Dakota seniors turning 65, and those with Medicare Disability, have an Individual Enrollment Period (IEP). Your IEP starts two months before you are eligible and ends two months after eligibility. After that you must enroll or make changes to your plan during the Annual Election Period (AEP), more commonly known as open enrollment. AEP starts 15 October and ends promptly on 7 December.
Enrollment itself is quite easy. Most people in South Dakota use an independent Medicare insurance agent. Your agent is a licensed expert who knows the details of all of the plans available in your area. They get paid to find the best plan for you, and they are restricted by law from using selling and marketing tactics deems unethical by CMS. The second way to sign up is to go directly to the Medicare.gov website or call the Medicare.gov hotline. Click here to get started.
South Dakota Medicare Advantage Plans vs. Obamacare
Concerned that Obamacare is doing away with or cutting your Medicare Advantage benefits or choices? Don’t worry, it’s not. At least not in 2014. South Dakota seniors still have all of the same benefits and choices. The new healthcare law (ACA) leaves MA plans alone, from your perspective, but adds new regulations for the insurance carriers.
In case you are wondering if you can buy Medicare Advantage or additional health plan benefits on the South Dakota Health Insurance Exchange (HIX), the answer is no. Medicare beneficiaries do not qualify for any Obamacare health plans, and you cannot trade or upgrade Medicare benefits for Obamacare benefits. The two are mutually exclusive. South Dakota Medicare beneficiaries who call the HIX toll-free number will be redirected to Medicare.gov. Read more about the Affordable Care Act at www.HealthCare.gov.
About Our South Dakota Medicare Advantage (Part C) Information
MedicareWire.com receives Medicare health insurance information from public files on the U.S. Centers for Medicare and Medicaid Services (CMS) website. Although we do our best to regularly update our databases, we are not able to ensure the exactness of the information. You must use a licensed insurance agent to get an accurate and binding quote. For additional helpful information visit CMS on the web at http://cms.gov.