In South Dakota, the most affordable choice changes with the plan letter. LifeShield National has the lowest Plan G premium at $145 each month and MedMutual Protect offers the lowest prices for both Plan N at $102 and Plan F at $165. The rate you pay still depends on your age, the plan you select and how each insurer structures its pricing.
Best Medicare Supplement Plans in South Dakota (2026)
Updated: January 26, 2026
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Key Takeaways
MedMutual Protect has the lowest Plan F and Plan N rates while LifeShield National offers South Dakota's cheapest Plan G.
South Dakota's Medicare Supplement premiums range from $77 to $333 per month, depending on plan type.
Shop multiple carriers and evaluate plan restrictions, benefits and availability to find your best fit.
Best Medicare Supplement Plans in South Dakota
| Farm Bureau Insurance | A | $88 | $196 | Attained Age Pricing |
| Humana | B | $178 | $88 | Attained Age Pricing |
| Globe Life | C | $229 | $98 | Attained Age Pricing |
| Philadelphia American | D | $139 | $51 | Attained Age Pricing |
| MedMutual Protect | F | $165 | $168 | Attained Age Pricing |
| LifeShield National | G | $145 | $126 | Attained Age Pricing |
| Transamerica | K | $77 | $30 | Issue Age Pricing |
| Transamerica | L | $115 | $58 | Issue Age Pricing |
| Transamerica | M | $141 | $0 | Issue Age Pricing |
| MedMutual Protect | N | $102 | $94 | Attained Age Pricing |
*Prices are for 65-year-olds.
LifeShield National
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.1/5Pricing Style
3.7/5Plan Availability
Average Plan G Rate
$145Plan Types
A, F, G, N
MedMutual
MoneyGeek Rating
4.2/ 5
4.8/5Affordability
3.9/5Pricing Style
3.2/5Plan Availability
Average Plan G Rate
$147Plan Types
A, D, F, G, N
Farm Bureau
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Plan Availability
Average Plan G Rate
$154Plan Types
A, D, G, N
Humana
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Plan Availability
Average Plan G Rate
$226Plan Types
A, B, C, F, G, K, L, N
Globe Life
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Availability
Average Plan G Rate
$201Plan Types
A, B, C, F, G, N
Philadelphia American
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Availability
Average Plan G Rate
NonePlan Types
A, D, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Availability
Average Plan G Rate
$173Plan Types
A, B, C, D, F, G, K, L, M, N
Best Medicare Supplement Plan G in South Dakota
Among Plan G options in South Dakota, LifeShield National has the lowest monthly cost at $145. MedMutual Protect and Avera Health Plans also price Plan G below many competitors.
| LifeShield National | $145 | $61 | $1,740 | $732 |
| MedMutual Protect | $147 | $59 | $1,764 | $708 |
| Avera Health Plans, Inc. | $151 | $55 | $1,812 | $660 |
| Farm Bureau Insurance | $154 | $52 | $1,848 | $624 |
| USAA | $158 | $48 | $1,896 | $576 |
| Nassau | $159 | $47 | $1,908 | $564 |
| AFLAC | $163 | $43 | $1,956 | $516 |
Best Medicare Supplement Plan F in South Dakota
MedMutual Protect leads for Plan F pricing in South Dakota at $165 per month, which is 37% below the statewide average. LifeShield National follows and charges $175 while Nassau costs $193, and both remain on the lower side of the market. Across carriers and deductible choices, Plan F premiums in the state run from $165 up to $236 each month, depending on pricing style and plan design.
| MedMutual Protect | $165 | $97 | $1,980 | $1,164 |
| LifeShield National | $175 | $87 | $2,100 | $1,044 |
| Nassau | $193 | $69 | $2,316 | $828 |
| AFLAC | $193 | $69 | $2,316 | $828 |
| American Benefit | $210 | $52 | $2,520 | $624 |
| Globe Life | $230 | $32 | $2,760 | $384 |
| Philadelphia American | $236 | $26 | $2,832 | $312 |
Best Medicare Supplement Plan N in South Dakota
For Plan N in South Dakota, MedMutual Protect has the lowest monthly price at $102. Farm Bureau Insurance follows at $112 per month. Plan N premiums in the state fall between $102 and $132 a month, with pricing style driving the difference.
| MedMutual Protect | $102 | $54 | $1,224 | $648 |
| Farm Bureau Insurance | $112 | $44 | $1,344 | $528 |
| LifeShield National | $113 | $43 | $1,356 | $516 |
| AFLAC | $115 | $41 | $1,380 | $492 |
| Nassau | $121 | $35 | $1,452 | $420 |
| American Benefit | $123 | $33 | $1,476 | $396 |
| Globe Life | $132 | $24 | $1,584 | $288 |
Personalized South Dakota Medicare Supplement Plan Recommendations
Finding your best Medicare Supplement plan depends on age and plan type. Compare rates using the filterable table below.
Data filtered by:
A
Select
No
| Farm Bureau Insurance | A | No | 65 | $88 | $0 | Attained Age Pricing |
| Avera Health Plans, Inc. | A | No | 65 | $114 | $0 | Attained Age Pricing |
| Globe Life | A | No | 65 | $126 | $0 | Attained Age Pricing |
| Philadelphia American | A | No | 65 | $133 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $136 | $0 | Attained Age Pricing |
| State Farm | A | No | 65 | $143 | $0 | Attained Age Pricing |
| LifeShield National | A | No | 65 | $144 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $147 | $0 | Attained Age Pricing |
| USAA | A | No | 65 | $151 | $0 | Attained Age Pricing |
| MedMutual Protect | A | No | 65 | $157 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in South Dakota
For 65-year-olds in South Dakota, Medicare Supplement premiums average $229 per month. Across the 10 standardized plan letters, monthly prices range from $107 for the lowest-cost option to $333 for the highest, with Plan K at the bottom of that range and Plan F at the top.
Plans G, F and N are the options most people consider. Their average monthly costs sit at $271 for Plan G, $333 for Plan F and $196 for Plan N. Over a year, that works out to between $1,284 and $3,996 in premiums. The amount you pay reflects the company you choose, your age and the insurer's pricing approach.
| A | $284 | $3,408 |
| B | $266 | $3,192 |
| C | $327 | $3,924 |
| D | $190 | $2,280 |
| F | $333 | $3,996 |
| G | $271 | $3,252 |
| K | $107 | $1,284 |
| L | $173 | $2,076 |
| M | $141 | $1,692 |
| N | $196 | $2,352 |
How to Choose the Best Medicare Supplement Plan
Once you select your plan letter, compare South Dakota insurers that sell it. Evaluate companies on factors that affect your long-term costs and service quality.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums often cost less overall through lower out-of-pocket costs.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
South Dakota Medicare Resources
South Dakotans shopping for Medigap coverage can use these resources:
- South Dakota State Health Insurance Assistance Program (SHIP): Offers free, personalized counseling to help seniors understand Medicare, compare plans and avoid insurance fraud. Certified volunteers provide unbiased guidance on Medicare Supplement plans, Medicare Advantage and Part D prescription drug coverage.
- South Dakota Division of Insurance: File complaints online or phone 605-773-3563. Contact the entity first before filing. Health plan disputes require completing internal appeals before filing with the Division. Insurers receive 20 days to respond. Mail complaints to 124 South Euclid Avenue, 2nd Floor, Pierre, SD 57501. Division investigates using state law, administrative rules and policy terms.
- South Dakota Area Agencies on Aging South Dakota's Aging and Disability Resource Center offers free information and referral services. Trained resource specialists connect callers to public and private long-term services. Options Planning educates people on meeting future care needs. Toll-free: 1-833-663-9673. Assists adults 60 and older, adults 18 and over with disabilities, and caregivers.
- Medicare.gov: Compare Medigap plans sold in South Dakota by entering your ZIP code in the Plan Finder to see premiums and coverage from different insurers.
Medicare Supplement Plans in South Dakota: FAQ
Below are answers to common questions about Medigap coverage for South Dakota residents.
When is Medicare Supplement open enrollment in South Dakota?
Medicare Supplement open enrollment in South Dakota begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected South Dakota Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored South Dakota Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.