As of 2022, 48,373 Medicare Part A and Part B beneficiaries, aged 71 on average, live in Rapid City, South Dakota. Only 22.46% of these beneficiaries have Medicare Advantage, and roughly 50% have Medigap plans, which leaves many Rapid City seniors with serious and potentially expensive Medicare coverage gaps.

Keep reading to learn more about why Supplemental Medicare is important and what plans are available to Rapid City, SD, residents.

Medicare plans in Rapid City, South Dakota

Original Medicare doesn’t cover many expenses like extended hospital stays, dental, vision, etc. Medigap and Medicare Advantage plans can reduce costs for beneficiaries who require medical and healthcare services beyond Rapid City, South Dakota’s Original Medicare scope.

The charts in this article provide plan quotes for a 70-year-old female in Rapid City, SD.

Medicare Advantage plans

48,373 residents with Part A and Part B coverage have access to 23 Medicare Advantage plans in Rapid City, South Dakota. Three of the four top local Medicare Advantage carriers offer zero-premium plans.

Humana provides two 0% premium Medicare Advantage plans in Rapid City: an HMO plan with a MOOP (maximum out-of-pocket) expenditure of $3,850 and a Local PPO plan with a MOOP of $4,400. Learn more about the difference between HMO and PPO plans.

UnitedHealthcare also offers a premium-free PPO plan in Rapid City, SD, but it comes with a significantly higher MOOP of $6,700. Like Humana, UnitedHealthcare’s plan has a four-star rating.

The Local PPO plan by Wellmark Advantage has a MOOP of $4,200, slightly lower than Humana’s. However, this plan includes a $19 premium. Ratings for Wellmark Advantage are unavailable.

The average cost of Medicare Advantage plans in Rapid City, South Dakota

UnitedHealthcare $0 $6,700 LOCAL PPO 4
Humana $0 $3,850 HMO 4
Medica $0 $4,500 1876 COST 4
Humana $0 $4,400 LOCAL PPO 4
Wellmark Advantage $19.00 $4,200 LOCAL PPO N/A

Medicare Supplement plans

While Medicare Advantage coverage varies across the US, Medicare Supplement coverage complies with a national standard, and only the monthly premiums differ for each location.

Plan F, Plan G, and Plan N are Medigap’s top three plans. Plan F provides the widest coverage and includes all eligible expenses for Medicare Part A and B, many other costs, and the deductible. In Rapid City, South Dakota, Medicare Supplement Plan F premiums range from $123.62 to $388.37.

Plan G is another widely used Medigap plan that provides similar coverage to Plan F, minus the Part B deductible, which beneficiaries must cover. Plan G premiums in Rapid City fall between $101.55 and $368.26.

A lower-cost alternative to Plan G is Plan N. Plan N comes with lower premiums but also some copayments and excess charges. Rapid City beneficiaries will pay between $80.72 and $281.42 for Plan N.

The average cost of Medicare Supplement plans in Rapid City, South Dakota

PLAN A $100.53 $301.60
PLAN B $129.42 $298.00
PLAN C $148.33 $385.00
PLAN D $120.83 $306.24
PLAN F $123.62 $388.37
PLAN HDF $35.88 $118.06
PLAN G $101.55 $368.26
PLAN HDG $33.73 $98.19
PLAN K $53.27 $160.16
PLAN L $67.25 $238.73
PLAN M $138.00 $231.95
PLAN N $80.72 $281.42

Medicare Part D prescription drug plans

Part D plans, standalone plans that cover prescription meds, can help fill Medicare’s coverage gap. Medigap plans and many Medicare Advantage plans don’t include prescription drug coverage.

Humana is one of the top-rated Part D plan providers in Rapid City, SD. Humana’s four-star plan comes with a $22.70 premium and a $480 deductible cost.

UnitedHealthcare’s Rapid City, South Dakota, Part D plan has a higher premium of $29.30 but a lower deductible of $310. Like Humana, this plan boasts a 4-star rating.

Aetna is Rapid City’s most affordable Part D carrier, with a monthly premium of only $6.80 and a deductible cost of $480. However, this plan has a three-star rating.

The average cost of Medicare Part D plans in Rapid City, South Dakota

Aetna $6.80 $480 3
Wellcare $10.60 $480 3
Clear Spring $16.60 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Special Needs plans

Special Needs Plans, or SNPs, provide coverage for beneficiaries with chronic disabilities or special needs. SNP categories include Dual Eligible SNP (D-SNP), Chronic Condition SNP (C-SNP), and Institutional SNP (I-SNP).

Rapid City, SD, residents have a limited choice of Special Needs Plans. Only three plans are available in Rapid City: one Dual Eligible and two Institutional.

UnitedHealthcare provides the only D-SNP in Rapid City, a Local PPO plan with a zero-dollar premium and a $7,550 MOOP.

Great Plains offers two Institutional HMO plans, one with a premium of $38.90, a MOOP of $5,900 and a higher-premium $50 plan with a lower MOOP of $3,000.

The average cost of Medicare Special Needs plans in Rapid City, South Dakota

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 LOCAL PPO Dual
Great Plains $38.90 $5,900 HMO Institutional
Great Plains $50.00 $3,000 HMO Institutional

How to sign up for Medicare plans in Rapid City

Don’t let unexpected medical costs catch you by surprise. We can help you find the best Rapid City, South Dakota, Medicare supplemental plan for your needs. We work with all Supplemental Medicare carriers, and best of all, our services are free.

Call us or complete our form to get supplemental Medicare rates.

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.