If your chosen Watertown, South Dakota Medicare plan has coverage gaps, you could pay thousands in unexpected medical expenses. Fortunately, enrolling in a supplemental Medicare plan can provide the solution.

Keep reading for more information regarding Watertown South Dakota Medicare plans and how additional coverage will reduce your out-of-pocket expenses.

Medicare plans in Watertown, South Dakota

To help you understand supplemental Medicare, we’ll discuss quotes for various plans available to enhance Original Medicare in Watertown, South Dakota.

Our quotes are based on a 65-year-old female and include data about Medicare Advantage (MA) plans, including Part D and Special Needs Plans (SNPs).

Medicare Advantage plans

Watertown, South Dakota residents have plenty of choices regarding enrollment in a  Medicare Advantage plan. Watertown is part of Codington County, which offers between 11 and 25 plans. On average, 19 MA plans are available in Watertown.

Humana offers a Local Preferred Provider Organization (PPO) with a 4-star rating. The plan has no monthly premium, and the Maximum Out-of-Pocket (MOOP) cost is $4,400. The medical deductible for this plan is $0.

UnitedHealthcare also offers a zero-dollar monthly premium for its Local PPO plans. Your options include the first PPO, with a MOOP cost of $3,900, and the second PPO, with a higher MOOP cost of $6,700. Both plans have a 4-star rating.

Another common Medicare Advantage plan for Watertown, South Dakota residents is Medica’s Cost MA plan. Again, there’s no monthly premium, and the MOOP cost is $4,500. Medica has an extensive provider network and plans that include dental, vision, and hearing benefits.

The average cost of Medicare Advantage plans in Watertown, South Dakota

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $4,400 LOCAL PPO 4
Medica $0 $4,500 1876 COST 4
UnitedHealthcare $0 $3,900 LOCAL PPO 4
Humana $0 $4,900 LOCAL PPO 4
UnitedHealthcare $0 $6,700 LOCAL PPO 4

Medicare Supplement plans

Many Watertown residents who enroll in a Medicare Supplement plan are on a tight budget. Fortunately, Medigap plans all have the same benefits, regardless of your carrier or state. However, each plan has different monthly premiums.

Medigap Plan G is a common Medicare Supplement choice for Watertown, South Dakota residents. Its monthly premiums range from $92.94 to $368.26. In addition, Plan G beneficiaries don’t have to pay a Part B deductible.

For beneficiaries on a budget, consider Medigap Plan HDG. It’s the cheapest one, with premiums ranging from $28.20 to $74.20. It provides the benefits of Plan G but has a higher deductible and lower premiums.

Another popular plan is Medigap Plan F. The monthly premiums are higher and range from $111.55 to $388.37. However, Plan F pays for Medicare-approved costs that Part A doesn’t cover, including coinsurances, copays, and deductibles.

The average cost of Medicare Supplement plans in Watertown, South Dakota

PLAN A $91.78 $271.32
PLAN B $118.50 $298
PLAN C $145.75 $385
PLAN D $109.44 $243.13
PLAN F $111.55 $388.37
PLAN HDF $29 $90
PLAN G $92.94 $368.26
PLAN HDG $28.20 $74.20
PLAN K $48.32 $138.93
PLAN L $63.42 $220
PLAN M $109.77 $176.37
PLAN N $73.23 $250.37

 Medicare Part D prescription drug plans

The cost of prescription medications is steadily rising in the US, which is why many Watertown residents enroll in a Medicare Part D plan. Part D is an independent plan that only covers prescription medication costs. Medigap plans don’t cover prescriptions; only some Medicare Advantage plans cover prescriptions.

One common choice for beneficiaries in Watertown is Aetna’s Part D plan, which features a 3-star rating. It has a low monthly premium of $6.80 and a $480 deductible. That deductible drops to $0 for Tier 1 drugs.

Wellcare also has a Waterton, South Dakota, Part D plan with a low premium. You’ll pay $10.60 a month, with a $480 deductible. Beneficiaries can choose from three Wellcare Part D plans based on their coverage needs.

Humana’s Part D plan is also excellent for prescription drug coverage. It has a 4-star rating, and premiums begin at $22.70. The plan’s deductible is $480.

The average cost of Medicare Part D plans in Watertown, 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

If you have special needs, a chronic disability, or require long-term intensive care, consider enrolling in Medicare Special Needs Plans (SNPs). Medicare SNPs are a subgroup of Medicare Advantage plans and aren’t available in every region of South Dakota.

One option for Watertown residents with special needs is UnitedHealthcare. The carrier has SNPs with zero-dollar monthly premiums. The plan is a Local PPO with dual eligibility and a MOOP cost of $7,550.

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

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 LOCAL PPO Dual

How to sign up for Medicare plans in Watertown, South Dakota

At Medigap, our primary goal is to teach, inform, and help people get the supplemental coverage they need to fill in the gaps in their Medicare plan. We have an extensive network of reputable carriers, and our services are always free.

So why not get a free quote today and compare your plan options? Call Medigap to learn more, or complete our online rate form to get rates now.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. 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 Medigap.com. 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.