Seniors have more health insurance options than ever before. South Dakota Medicare Advantage Plans are one of those options. When you enroll in Medicare Advantage you are trading your Original Medicare benefits for private health insurance available in South Dakota.
Plans vary from county to county. Medicare Advantage options are typically HMO or PPO plans that use hospital and doctor networks to provide care.
Getting Enrolled in a South Dakota Medicare Advantage Plan
Most South Dakota seniors qualify to join a Medicare Advantage plan. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
You are only allowed to join, drop or change plans during a Medicare Election Period. Most people wait until 15 October to 7 December to make enrollment changes. This is the Annual Election Period (AEP).
There’s also an Individual Election Period (IEP) that you can use once. Your IEP begins the month before your 65th birthday, includes your birth month, and continues the month after your birth month.
Enrollment couldn’t be easier. There are three ways. The first way is to call a plan directly. If you know the plan you want, this way is quick and easy.
The second way is to go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
An independent health insurance agent is the third option. This is ideal when you want to meet with someone face-to-face to get sound advice. Find an agent who represents several insurance companies. This way you’ll have a range of good options.
South Dakota Medicare Advantage Plans vs. Original Medicare with a Medicare Supplement
Medicare Advantage is one way to get full coverage healthcare. You also have the option to hold on to your Original Medicare PFFS benefits and upgrade your coverage with South Dakota Medicare Supplement Insurance and a South Dakota Medicare Part D Plan (for help with your prescription drugs).
If you’re not familiar with Medigap policies, and how they protect you from medical care liability, please review our South Dakota Medigap Plans page. All Medigap plans are standardized. That means you can chose the plan you need based on best price without worrying about the benefits.
About Our 2015 South Dakota Medicare Advantage Plan Information
MedicareWire.com collects Medicare health insurance information from public files on the U.S. Centers for Medicare and Medicaid Services (CMS) website. MedicareWire.com updates its databases quarterly. However, we are unable to verify the correctness of the data received. Only a licensed health insurance agent can give you a binding quote.For additional, helpful information, visit CMS on the web at http://cms.gov. This page was last updated on 9/13/2015.