There are approximately 4,541 senior citizens living with some level of Medicare in Aberdeen, South Dakota. However, half of them have Medical Supplement plans, and only 20% have Medical Advantage plans to help cover gaps in Original Medicare.
Below, we explore what over a thousand people are missing in terms of Medicare in Aberdeen, South Dakota.
Aberdeen, South Dakota Supplemental Medicare Plans
When you enroll in a Medicare plan, consider Medicare Supplement plans for an extra layer of insurance and added coverage. You can choose a Medicare Advantage plan to supplement Medicare Part A and Part B or a Medigap policy to fill traditional Medicare coverage gaps.
Below, we’ve compiled quotes based on the average 65-year-old or older senior citizen in Aberdeen, South Dakota.
Cheapest Medicare Advantage Plans in Aberdeen, South Dakota
Medicare Advantage plans come with a variety of options. In Aberdeen, SD, you can choose from 14 different supplemental plans. Of the 4,541 seniors living in Aberdeen, 20% have opted for Medicare Advantage, and 50% supplement their Medicare with a Medigap policy.
Medica (1876 Cost) holds a four-star rating and has no monthly premium rates, making it the number one option for many South Dakotans. However, Medica isn’t free — you can expect to pay copays and deductibles for medical services. The Maximum-Out-of-Pocket (MOOP) rate is $4,500.
HealthPartners (1876 Cost) is another Medicare Advantage plan many people choose. Although it has a monthly premium of $35.70, you don’t have to worry about MOOP. HealthPartners has a five-star rating, making it one of the highest-rated policies in South Dakota.
You can also enroll in a Medica (1876 Cost) plan with $34-per-month premium rates. This option has a four-star rating and $6,700 rates for MOOP. Whatever your needs, there’s a Medicare Advantage plan for you!
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Affordable Medicare Supplement Plans in Aberdeen, SD
Medicare Supplement plans (also called Medigap plans) help reduce your medical bills and lower any out-of-pocket costs you may face. Medigap’s monthly premium may change from state to state. However, you can expect the same benefits no matter where you live.
The most popular Medicare Supplement plans are Plan G, Plan HDG, and Plan N. Medigap Plan G has monthly premium rates ranging from $92.94 to $368.26 in Aberdeen, South Dakota. Plan G is your number one choice if you don’t want to pay for Part B deductibles.
Medigap Plan HDG is another popular option. HDG stands for High-Deductible Plan G and includes similar benefits to Plan G, plus a monthly deductible. If you live in South Dakota, you can expect monthly premiums in the $28.20–$74.20 range.
Last but not least is Medigap Plan N. This Medicare Supplement policy has a $20 copay for doctor visits and a $50 copay for trips to the ER. However, you can anticipate lower premium rates ranging from $73.23 to $250.37 per month.
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Average Medicare Part D in Aberdeen, SD
Medicare Supplement plans and many Medicare Advantage policies don’t cover prescription medications. If you want coverage for your prescription drugs, you should enroll in a stand-alone Part D plan. Part D plans help people from paying significant out-of-pocket expenses.
Like Medigap plans, South Dakota residents have several options for Part D plans. If you choose Aetna, you can expect premium rates of $6.80 per month. Aetna holds a three-star rating and a $480 deductible.
Wellcare is another excellent choice for Part D stand-alone plans. The monthly premium is $10.60 with a deductible of $480. Like Aetna, Wellcare has a three-star rating in South Dakota.
For the highest star rating and lowest deductibles, choose a plan from UnitedHealthcare. UnitedHealthcare has a four-star rating with a $310 deductible. However, the monthly premium is $29.30.
What are the four types of Medicare Advantage plans in Aberdeen, SD?
Four types of Medicare Advantage plans in Aberdeen, SD, include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), and Special Needs Plans (SNPs).
When can I enroll in Medicare Supplement plans in Aberdeen, SD?
It would be best if you enrolled in Medicare Supplement plans as soon as you’re eligible. The six-month Open Enrollment Period begins one month after you get Medicare Part B and after you turn 65.
Are Medicare Parts A and B free in Aberdeen, SD?
If you live in Aberdeen, SD, you can expect free Medicare Part A. However, you will have to pay a monthly premium for Medicare Part B. You can learn more about saving money on Medicare premiums here.
How do you determine Medigap rates in Aberdeen, SD?
Medigap costs vary from insurance company to insurance company in Aberdeen. You will likely find different prices because companies may determine rates using any one of the following criteria:
- Your Medigap policy, not your age
- The age you bought your Medigap policy
- Your current age
Does Medicare cover prescriptions in Aberdeen, SD?
Medicare itself doesn’t cover prescription drugs in Aberdeen, South Dakota. You will need to enroll in Medicare drug coverage, find a Medicare Advantage plan that covers prescriptions or get a stand-alone Part D plan to cover your prescription meds.
How to Sign Up for Supplemental Medicare in Aberdeen
Do you need assistance with your Medigap policy, Medicare Advantage plan, or Medicare Plan D options? You’ve come to the right place since we can provide help for all your needs.
Our highly qualified, fully licensed agents can walk you through the process and help you find the best plan for your Aberdeen, South Dakota Medicare.
Call us today or take a minute to fill out our online rate form to get connected with the best rates in your area.