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.
Rapid City South Dakota Medicare Plans
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.
Affordable Medicare Advantage plans in Rapid City, South Dakota
48,373 residents with Part A and Part B coverage have access to 23 Medicare Advantage plans in Rapid City, South Dakota. Out of the four top local Medicare Advantage carriers, three 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.
|PLAN||PREMIUM||MOOP||PLAN TYPE||STAR RATING|
|Wellmark Advantage||$19.00||$4,200||LOCAL PPO||N/A|
Cheapest Medicare Supplement plans in Rapid City, SD
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. Of these, 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.
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Average 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.
Medicare 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.
Do Medigap plans cover drugs in Rapid City, SD?
No, Medigap policies don’t include drug coverage. Medigap covers inpatient and outpatient care, hospice care, and more.
Can I be denied a Medicare Supplement plan in Rapid City, SD?
Some Rapid City, South Dakota, Medicare carriers may deny you a Medicare Supplement plan if you have certain pre-existing conditions. Every carrier has different rules about conditions that may disqualify an applicant, so it’s important to shop around for the right plan.
Can I combine Medicare Advantage and Medigap coverage in Rapid City, SD?
You can’t have both Medigap and Medicare Advantage at the same time. However, depending on your needs, you can switch between the plans.
Can I switch from Original Medicare to Medicare Advantage in Rapid City, SD?
To move from Original Medicare to Medicare Advantage, you must enroll during the Initial Enrollment Period (based on your age or medical condition), during the Medicare Open Enrollment Period (October 15 to December 7), or during Medicare Advantage Open Enrollment Period (January 1 to March 31).
What does Medicare Part D cover in Rapid City, SD?
Medicare Part D covers prescription drug costs to supplement Medicare and Medicare Advantage coverage gaps.
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.