Sioux Falls, South Dakota, has 157,699 beneficiaries enrolled in Medicare Part A and Part B, compared to 57,316,561 national enrollments. Regarding Medicare Advantage (MA) plans, there are 37,763 MA beneficiaries and 119,936 enrolled in Fee-for-Service (FFS) plans.

Keep reading to learn about Sioux Falls, South Dakota; Medicare plans as we explain the critical information you need to know before enrolling.

Supplemental Medicare Plans in Sioux Falls, South Dakota

By enrolling in a supplemental Medigap/Medicare plan, you’ll gain additional benefits to pay for expenses outside your standard coverage. Supplemental plans are ideal for enhancing Part A and Part B coverage.

Below, we’ve listed quotes (based on a 70-year-old male) for various Medicare MA and Supplemental plans, including Part D and Special Needs Plans.

Average Medicare Advantage Plans in Sioux Falls, South Dakota

Sioux Falls, South Dakota, has a 23.95% participation rate for Medicare Advantage plans. The average age for beneficiaries is 72, with 54.57% female and 45.43% male. Minnehaha County offers between 26 and 50 plans, with an average of 32 plans.

Humana offers a Health Maintenance Organization (HMO) plan. It has a zero-dollar premium and 4-star rating. Maximum Out-of-Pocket (MOOP) expenses are $3,850. The medical deductible for this plan is $0.

Humana’s Local PPO (Preferred Provider Organization) plan also has no premium. However, its MOOP costs are $4,400, more than its HMO sibling. Humana’s PPO plan is also popular because it’s widely available in Sioux Falls and South Dakota.

Aetna’s Local PPO plan is also premium-free. However, it has higher out-of-pocket costs, a maximum of $6,700. Nevertheless, it earned a 4-star rating.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $3,850 HMO 4
Aetna $0 $6,700 LOCAL PPO 4
Medica $0 $4,500 1876 COST 4
Sanford Health $0 $5,000 LOCAL PPO N/A
Humana $0 $4,400 LOCAL PPO 4

Affordable Medicare Supplement Plans in Sioux Falls, SD

The primary benefit of Medigap/Medicare supplement plans is gaining extra coverage to defray out-of-pocket costs for medical expenses. The federal government standardized every plan, so benefits stay the same regardless of carrier or state. Monthly premiums are the only variable.

Medigap Plan F is excellent for supplemental coverage. It covers coinsurances, copays, and deductibles for Medicare-approved expenses that Part A doesn’t cover. Plan F’s premiums range from $142.17 to $437.87.

Medigap Plan G is another of our most popular supplemental plans. Monthly premiums range from $113.33 to $425.94. Benefits include an extra year of hospital care after the Original Medicare benefits run out and coverage for Medicare Part B copays or coinsurance.

For many Sioux Falls residents, Medigap Plan N is the best option. The premiums start at $92.82 and max out at $303.17. Plan N also pays 100% of Part B coinsurance. The only exception is a $50 copay for emergency room visits that don’t result in admission and a $20 copay for certain office visits.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $114.07 $334.99
PLAN B $149.00 $336.25
PLAN C $170.58 $434.50
PLAN D $132.83 $352.17
PLAN F $142.17 $437.87
PLAN HDF $39.47 $127.10
PLAN G $113.33 $415.94
PLAN HDG $37.10 $104.70
PLAN K $60.31 $172.40
PLAN L $77.33 $257.29
PLAN M $153.92 $244.61
PLAN N $92.82 $303.17

Cheapest Medicare Part D in Sioux Falls, SD

For additional prescription drug coverage, consider enrolling in Medicare Part D. Part D plans are independent and only cover prescription medicine costs. Although our Medigap plans don’t cover prescriptions, neither do most Medicare Advantage plans.

Aetna offers cheap Sioux Falls, South Dakota Medicare Part D coverage. It has a 3-star rating, and beneficiaries can choose between three plans. The monthly premium is $6.80, with a $480 deductible.

Wellcare’s Part D is perfect for Sioux Falls residents on a budget. The company offers three plans: Classic, Rx Value Plus, and Value Script. The monthly premium is $10.80, and the deductible is $480.

The UnitedHealthcare Part D plan is ideal for supplemental prescription drug coverage. Although it has the highest monthly premium at $29.30, its deductible is only $310. With this comes a $0 copay on Tier 1 drugs.

PLAN PREMIUM DEDUCTIBLE STAR RATING
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

Medicare Special Needs Plans in Sioux Falls, SD

Another type of Sioux Falls Medicare plan is Special Needs Plans (SNPs). SNPs are a subgroup of standard Medicare Advantage plans for people with special needs. They provide invaluable coverage, but unfortunately, they’re unavailable in some regions.

UnitedHealthcare offers a dual-eligibility SNP as a Local PPO. Many Sioux Falls residents choose this SNP because there’s no monthly premium. This plan’s MOOP cost is $7,550.

Great Plains offers two SNPs in Sioux Falls, SD. The first is an HMO plan with institutional eligibility, meaning the beneficiary must need long-term care in an institutionalized setting. The monthly premium is $39.80, and MOOP costs are $5,900.

The second Great Plains HMO SNP plan also requires institutional-level eligibility. However, the premium increases to $50. Conversely, MOOP cost drops to $3,000.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 LOCAL PPO Dual
Great Plains $39.80 $5,900 HMO Institutional
Great Plains $50 $3,000 HMO Institutional

FAQs

How do you register for Medicare in Sioux Falls, SD?

Medicare enrollment eligibility begins three months before you turn 65. If you didn’t receive automatic coverage, head to Medicare.gov for more information or read through our frequently asked questions regarding Sioux Falls, South Dakota, Medicare.

Are my Medigap premiums based on income in Sioux Falls, SD?

The cost of Sioux Falls Medicare Advantage plans depends on its specific services and coverage. However, Medicare Part B premiums are income dependent.

You’ll pay the base rate if your gross income is up to $87,000 annually or $174,000 jointly. Part D plans are also income-based.

What is the most comprehensive Medicare Supplement plan in Sioux Falls, SD?

The best Sioux Falls Medicare Supplement plans are Plan F, Plan G, and Plan N. All three offer premium coverage and Plan F covers 100% of costs after Medicare pays for its side.

Can you change your Medigap plan anytime in Sioux Falls, SD?

Yes. As a Sioux Falls resident, you can change your Medigap plan anytime. For example, if you found a cheaper provider or had a change in your financial stability, you can switch your Medigap plan type.

What are the four types of Medicare Advantage plans in Sioux Falls, SD?

The four types of Sioux Falls Medicare Advantage plans include

  • HMO
  • PPO
  • SNPs
  • PFFS (Private Fee-for-Service)

How to Sign Up for Supplemental Medicare in Sioux Falls

For comprehensive Sioux Falls South Dakota Medicare Supplemental plans, look no further than the experts at Medigap.

We work closely with all carriers to connect you for free and compare your plan options to find the best option and coverage for your unique needs.

Call our agents today or complete our online rate form to get rates now for Medicare in Sioux Falls, South Dakota.

Picture of the author
by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.