The Best South Dakota Medicare Supplement Plans (2022)

In South Dakota, there are ten Medicare supplement plans, also known as Medigap plans, offered, though plan availability depends on when you became eligible for Medicare.

Based on MoneyGeek’s evaluation, Physicians Mutual and UnitedHealthcare are the best providers for Medicare supplement plans in South Dakota.

It’s important to note that you can’t buy both a Medigap and a Medicare Advantage plan in South Dakota, since Medicare Advantage plans replace your entire Medicare plan, including Original Medicare.

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Last Updated: 7/1/2022
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For 65-year-olds and 75-year-olds in South Dakota, the average monthly cost of Medicare Supplement plans is $140 and $206, respectively.

Of the Medicare Supplement plans available, Plan G and Plan F are the most popular due to their comprehensive coverages. The average monthly cost of $116.30 for Plan G is slightly less than that of $225.68 for Plan F. The latter, however, is reserved for persons who became eligible for Medicare before 2020.

Plan N is the next most popular plan and offers similar coverage to Plan G and F except for excess charges. In South Dakota, the average monthly cost of Plan N is $136.40.

MoneyGeek's methodology for analyzing Medicare Supplement plans in South Dakota focused on their average rates and benefits. With this guide to the many types of plans and coverage, you will be able to learn how to pick the best Medicare supplement plan.

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Best Medicare Supplement Plans in South Dakota

Best Medicare Supplement Plan G in South Dakota

UnitedHealthcare offers the best Medicare supplement plan G in South Dakota at an average monthly cost of $129.77.

MoneyGeek only ranked firms that provide online quotes. Therefore, there may be Medicare Supplement plan providers in South Dakota who do not offer online quotes but can provide you with better pricing and policies.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 85 out of 100
  • Average Monthly Rate: $129.77

United Healthcare’s Medicare Supplement Plan G is slightly less than the state average of $143.80. Its comprehensive benefits include Renew Active (Fitness), dental, vision and hearing discounts, 24/7 nurse line and Foreign Travel Emergency.

Original Medicare (Parts A and B) provide significant health coverage, but it does not cover everything. United Healthcare’s Medicare Supplement plan works in conjunction with Original Medicare to cover some of the expenditures that Parts A and B alone do not cover.

MORE ABOUT PLAN G IN SOUTH DAKOTA

Navigate to learn more about Medigap Plan G in South Dakota, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in South Dakota

Plan G costs an average of $143.80 per month in South Dakota, but rates vary by provider. Physicians Mutual has the cheapest Plan G for 65-year-olds, with an average monthly cost of $99.20, while State Farm has the most expensive plan at $138.70. This means you can save up to $39.50 per month depending on your chosen provider.

The cost of Medicare Supplement Plan G in South Dakota is determined by your age at the time you purchased the plan, your current age, discounts and medical underwriting factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Physicians Mutual
    $99
  • Wellmark
    $115
  • Avera
    $119
  • Aetna
    $124
  • UnitedHealthcare
    $130

Providers Offering Plan G in South Dakota

While not all of them offer online estimates, there are 39 companies in South Dakota that provide Plan G. MoneyGeek collected the contact information for all South Dakota Medicare Supplement plan providers, as well as their pricing methods, to determine which ones may charge you more based on your age.

Providers Offering Plan G in South Dakota

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Avera
    1-888-322-2115
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Catholic United Financial
    1-800-568-6670
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan G Cover?

Medicare Supplement Plan G, just like any other Medigap policy, follows a set of rules and provides specific coverages. Despite its comprehensiveness, Plan G does not cover Part B deductibles. Depending on the provider, additional benefits, such as UnitedHealthcare's dental, vision, and hearing discounts, may be offered as well.

Required Benefits of Plan G in South Dakota
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in South Dakota

MoneyGeek ranked Physicians Mutual as the best Medicare supplement Plan F in South Dakota, with plans costing an average of $201.85 per month. It also has a High Deductible Plan F, for those who prefer to pay a lower monthly premium but a higher deductible before receiving full coverage.

MoneyGeek only ranked companies that offer online quotes so there may be Medicare Supplement plan providers in South Dakota who do not provide quotes online but can offer you better discounts and programs.

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MoneyGeek Top Pick
Physicians Mutual
  • MoneyGeek Score: 85 out of 100
  • Average Monthly Rate: $201.85

Plan F from Physicians Mutual costs an average of $201.85 per month, which is less than the average monthly cost in South Dakota of $225.70. Physician Mutual plans include Preventive Care and Foreign Travel, the latter of which can cover the expenses from emergency care anywhere in the world.

You can also choose a Physician Mutual high-deductible Plan F for a lower monthly premium of $69.61, but you will need to pay Medicare-covered expenses including coinsurance, copayments and deductibles up to $2,490.

MORE ABOUT PLAN F IN SOUTH DAKOTA

Navigate to learn more about Medigap Plan F in South Dakota, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in South Dakota

In South Dakota, Plan F costs an average of $225.70 per month. Rates vary significantly by provider with Physician Mutual offering the least expensive Plan F for 75-year-olds at an average monthly rate of $143.90 and Avera offering the most expensive plan at $307.30.

The cost of Plan F fluctuates depending on your age at the time of purchase, current age, discounts and other medical underwriting concerns.

Sort by Age:

75

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  • Company
    Sample Monthly Rate
  • Aetna
    $159
  • Wellmark
    $183
  • Avera
    $210

Providers Offering Plan F in South Dakota

In South Dakota, 39 companies offer Medicare Supplement Plan F. However, only some of them have online quotes. To receive estimates from providers that don’t offer quotes online, you can contact them directly using the contact information provided by MoneyGeek below. We’ve also included pricing style so that you can see which businesses may charge you more based on age.

Providers Offering Plan F in South Dakota

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Avera
    1-888-322-2115
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Catholic United Financial
    1-800-568-6670
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan F Cover?

Plan F is standardized, like all Medicare supplement plans in South Dakota, and includes certain coverages. Although Plan F has extensive benefits, it only covers 80% of foreign travel exchange within the limits of your plan. Additional Plan F benefits may be available from different providers; for example, Physicians Mutual's Preventive Care.

Required Benefits of Plan F in South Dakota
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in South Dakota

UnitedHealthcare is the best option for seniors in South Dakota looking for Medicare Supplement Plan N, with an average monthly rate of $110.25.

MoneyGeek's list only takes into account providers who offer online estimates. Other Medicare Supplement Plan N providers in South Dakota may provide lower rates. To learn more about their cost and coverage, you will need to contact them directly.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 81.25 out of 100
  • Average Monthly Rate: $110.25

In South Dakota, UnitedHealthcare's Plan N is slightly less expensive than the average monthly cost of Plan N of $171. In general, Plan N is ideal for customers who are willing to cover a portion of their medical costs in exchange for a lower monthly premium.

UnitedHealthcare's Plan N provides extra benefits such as Renew Active (Fitness), dental, vision and hearing discounts, 24/7 nurse line and Foreign Travel Emergency. Since it offers great coverage for a low monthly premium, there is no wonder that the number of people enrolled in Medicare Supplement Plan N grows every year.

MORE ABOUT PLAN N IN SOUTH DAKOTA

Navigate to learn more about Medigap Plan N in South Dakota, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in South Dakota

The rate of Medicare Supplement Plan N may vary depending on a number of factors, including your age, discounts and medical underwriting factors.

In South Dakota, Plan N costs an average of $171 per month, but cost varies by provider. A 65-year-old, for example, can get the cheapest Plan N from State Farm for $107.20 per month or the most expensive plan from Avera for $176.60 per month. This means that you can save up to $69.40 by choosing a less expensive provider.

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65

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  • Company
    Sample Monthly Rate
  • State Farm
    $107
  • UnitedHealthcare
    $110
  • Aetna
    $118
  • Wellmark
    $130
  • Avera
    $177

Providers Offering Plan N in South Dakota

Medical Supplement Plan N is offered by 37 providers in South Dakota, although not all of them give online estimates. MoneyGeek collected their contact information and pricing styles to help you determine which company best suits your requirements. This may help narrow down your options to companies that don’t base their premiums on your age.

Providers Offering Plan N in South Dakota

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Avera
    1-888-322-2115
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan N Cover?

All Medigap policies, including Plan N, are required to cover at least certain benefits. While Plan N does not pay Part B deductibles or Part B excess charges, it covers 80% of international travel expenses up to the limit of your plan. Plan N from UnitedHealthcare also includes a variety of benefits, like dental, vision and hearing discounts.

Required Benefits of Plan N in South Dakota
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in South Dakota: Other Plan Types

Other plan types are available for purchase apart from Plans F, G and N. These plans are less popular because they usually provide less comprehensive coverage.

The following Medicare supplement companies in South Dakota provide online estimates: Aetna, Avera, Physicians Mutual, State Farm, UnitedHealthcare and Wellmark.

Of these companies, MoneyGeek found that UnitedHealthcare offers the best Plan A, B, C, G, K, L and N. State Farm has the best Plan D and Physicians Mutual provides the best Plan F.

Keep in mind that Plan C will not be accessible in South Dakota if you initially became eligible for Medicare after January 1, 2020.

The Best Medicare Supplement in South Dakota - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $95.16

  • B

    UnitedHealthcare

    $130.99

  • C

    UnitedHealthcare

    $301.95

  • D

    State Farm

    $138.46

  • F

    Physicians Mutual

    $201.85

  • G

    UnitedHealthcare

    $129.77

  • K

    UnitedHealthcare

    $53.98

  • L

    UnitedHealthcare

    $96.99

  • N

    UnitedHealthcare

    $110.25

How to Find the Best Medicare Supplement Plans in South Dakota

MoneyGeek gathered and evaluated pricing information from numerous providers in South Dakota to help you choose the best supplemental insurance company for your needs. This chart makes it easy for you to compare Medicare Supplement plans in South Dakota.

South Dakota Medicare Supplement Plans Comparison Chart

Medigap plans differ in terms of coverage and availability. Plan F and C, for example, provide the most extensive coverage but are not available to new participants. As a result, Plan G or Plan D are your next best options.

You may compare Medicare Supplement plans in South Dakota side by side using MoneyGeek's chart, which illustrates their differences in coverage as well as their average cost.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in South Dakota

The cost of Medicare supplement plans can vary significantly by plan type and company.

UnitedHealthcare is the cheapest for Plans A, B, K and L. State Farm offers the least expensive Plan N and Plan D. Physicians Mutual is the cheapest of the popular plans for Plans G and F, while Avera is the cheapest for Plan C.

Providers typically use one of three pricing styles to determine your premium:

  • Attained-Age: This is the most common pricing style used by providers in South Dakota. Your rate is determined by your present age, which means that as you get older, your premiums will increase.
  • Issue-Age: This is the second most common pricing style in South Dakota. Your policy's pricing is determined by your age when you initially purchase it, and it will not vary as you get older.
  • Community-Rated: Every policyholder in a specific plan type pays the same monthly premium. For Plans D and M, insurers do not employ this pricing method.
Average Cost of Medicare Supplement in South Dakota

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $95
  • State Farm
    $120
  • Physicians Mutual
    $146
  • Wellmark
    $151
  • Avera
    $152

FAQs About Medicare Supplement Plans in South Dakota

You may be asking yourself about your eligibility for Medicare coverage, the right plan type, costs and so on. MoneyGeek has answered some of the most frequently asked questions about Medicare Supplement insurance to help you understand this complex topic.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in South Dakota for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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