Medicare helps many residents pay for their healthcare costs and supplies. South Dakota has 177,532 Medicare beneficiaries in total. Below, we will discuss basic Medicare facts, prices, coverage inclusions, and supplemental options.

South Dakota Medicare: Facts & Figures

  • Approximately 124,000 South Dakota residents enrolled in Part A and Part B plans.
  • Out of that total number, over 109,700 beneficiaries aged into their plans.
  • The number of Part A and Part B beneficiaries with a disability is about 14,300.
  • Approximately 38,400 residents have Medicare Advantage.
  • Just under 120,500 South Dakota beneficiaries use Medicare Part D.
  • The overall Part D average prescription fills per beneficiary is 55 per month.

Medicare Costs in South Dakota for 2024

Medicare Parts A and B each cover different aspects of your healthcare costs. Part A pays for inpatient hospital stay expenses, while Part B covers the costs associated with outpatient care. The Medicare Part A and Part B costs below are the same across all states.

Medicare Part A Costs in 2023 Medicare Part B Costs in 2023
  • Part A is premium-free for most
  • Part A deductible is $1,600 per benefit period
  • Inpatient hospital stay days 61-90 is $400
  • The standard Part B premium is $164.90
  • The annual deductible for Part B is $226
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

You can qualify for Original Medicare if you meet the age requirement or have a disability. 138,094 beneficiaries enrolled in Part A in South Dakota, and over 124,100 enrolled in Part B.

The table below reflects Part A and B coverages across all states, including South Dakota. Use this information to determine which might work best for you.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in South Dakota

Paying for medical expenses, especially as a senior, is challenging. As you age, you require more healthcare services and supplies. It would help if you had a plan that covers your highest costs to receive the care you need.

Medicare Parts A and B in South Dakota help pay for some of your healthcare costs, but not all. Typically, these plans include the coverages in the table above, though they only approve certain expenses. You can add supplemental Medicare plans to cover what Parts A and B won’t.

Medicare Supplement

South Dakota Medigap plans, or Medicare Supplement plans, are insurance policies from private companies that you can purchase for improved coverage. Medigap plans help you cover the costs of copays, coinsurance, and deductibles that basic Medicare won’t cover.

Medicare Advantage

You may also consider Medicare Part C (Medicare Advantage) plans, which include out-of-pocket maximums and many other benefits. An out-of-pocket maximum puts a cap on your not-covered expenses total, which helps you maintain a more reasonable budget. The Part C plan will pay for anything beyond this capped amount.

Part D

If you’re concerned about prescription medication costs, consider Medicare Part D plans. Part D plans pay for prescription drug costs for beneficiaries with limited incomes. You can enroll in Part D plans with private insurance companies.

Keep in mind that the costs vary when paying for any supplemental option. Unlike Parts A and B, Medigap, Part C, and Part D all quote prices based on your location, plan, age, and more. Consider adding these additional coverages to Original Medicare for maximum savings.

Estimated Supplemental Medicare Premiums for South Dakota Cities

The accompanying charts linked below provide the estimated premiums for each type of supplemental Medicare coverage for the cities listed:

South Dakota Medicare Resources

South Dakota Medicare beneficiaries can use the resources below to find support:

If you’re interested in enrolling in Medicare Supplement plans, is your top resource. We comb through all of the eligible providers and compare rates so you can find the best coverage for your needs.


How long before 65 do you apply for Medicare in South Dakota?

The Initial Enrollment Period for South Dakota Medicare is seven months long and happens when you’re 65. You have three months before you turn 65 and three months after to enroll. You might have to pay a penalty fee if you miss this period.

Do you automatically get Medicare with Social Security in South Dakota?

If you have Social Security in South Dakota, when you turn 65, the Social Security Administration automatically enrolls you in Medicare. You will receive forms on how to complete the sign-up process.

Social Security beneficiaries don’t have to pay for Part A, but they do have to pay premiums for Part B based on income. You may opt-out of Part B if you don’t feel you need it.

Who qualifies for free Medicare Part A in South Dakota?

The following groups of people qualify for free Medicare Part A in South Dakota:

  • Anyone who receives retirements benefits from the Railroad Retirement Board or Social Security
  • Those eligible to receive the benefits above
  • Anyone with Medicare-covered government employment

Are Medicare premiums based on income in South Dakota?

Your income can affect your Medicare premiums in South Dakota, though it’s not the sole factor. Beneficiaries with higher incomes typically pay increased monthly costs for Medicare Part B.

Incomes refer to your monthly adjusted gross income, which is your total earnings and tax-exempt interest.

How can I reduce my Medicare premiums in South Dakota?

Try the following methods to reduce your Medicare premiums in South Dakota:

  • File a Medicare Income-Related Monthly Adjustment Amount (IRMAA) appeal
  • Pay the premiums with your health savings account
  • Take advantage of Medicare Savings Programs
  • Qualify for the low-income subsidy program
  • Include payments in your tax deductions
  • Consider finding a part-time job to cover monthly costs

How to Sign Up for Supplemental Medicare in South Dakota

Signing up for Medicare might sound overwhelming, though it doesn’t need to be. At, we want to help you find the best plans for your needs.

Our team walks you through the process, compares quotes and coverage options, and takes you through the enrollment process. At, we work with all of the top insurance carriers to find what’s right for you.

Use our services for free and speak with one of our experienced representatives for personalized help with your plans. Call us today or fill out the convenient online rate form to get connected with the best rates now!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.