Seniors in South Dakota on Medicare have a wide range of health insurance options. Alternatives include private health insurance through Medicare Advantage, prescription coverage with a Medicare Part D plan, and Medigap insurance to supplement Original Medicare. To find the best plan for your unique healthcare needs, you must evaluate the health insurance options in your county. Click on your county below to get started.
Original Medicare Risks for South Dakota Seniors
You have probably heard that Original Medicare coverage is not A to Z health insurance. While it pays for about eighty percent of what it does cover, it does not pay for many common healthcare services that most seniors want and need.
The reality is that Original Medicare benefits cover a bit more than half of all health care expenses for most South Dakota seniors. This reality comes as a complete surprise to most people, but it is true.This situation puts most South Dakota seniors at serious financial risk. The risk is the high out-of-pocket costs and huge piles of medical debt that result from a serious illness, a simple accident, or chronic health conditions, like mood disorders, diabetes, heart disease, asthma and hypertension.
Original Medicare does not cover your prescriptions, dental, hearing, vision, routine foot care, or long-term care, and it leaves you on the hook for twenty percent of all major medical costs. The good news is that you can supplement your Medicare coverage with additional health insurance or replace it all together.
Interested in learning more about Original Medicare coverage and your options? Visit Original Medicare.