If your chosen Watertown, South Dakota Medicare plan has coverage gaps, you could be stuck paying 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.

Watertown, South Dakota Supplemental Medicare Plans

To help you understand supplemental Medicare, we’ll discuss quotes for various plans available in Watertown, SD.

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).

Average Medicare Advantage Plans in Watertown, South Dakota

Watertown, South Dakota residents, have plenty of choices regarding enrollment in a Medigap or 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 doesn’t have a 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 choice for Watertown, SD 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.

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

Cheapest Medicare Supplement Plans in Watertown, SD

Many Watertown residents who enroll in a Medigap/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 choice for Watertown 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.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
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

Affordable Medicare Part D in Watertown, SD

The cost of prescription medications is steadily rising in the U.S., 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, nor do most Medicare Advantage plans.

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 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.

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 Watertown, SD

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.

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

FAQs

How do I apply for Medicare in Watertown, SD?

Some people get automatic enrollment in Medicare Part A and Part B, and some don’t. To apply for Watertown South Dakota Medicare, head to Medicare.gov or read our Medicare Guide.

How much does Medicare take out of Social Security in Watertown, SD?

The overall price of Medicare plans in Watertown, SD, varies based on the person, Social Security benefits, Medicare plan, income, etc. Some people even deduct their Part B premium from their Social Security benefits to cut costs.

What do Medicare Part A and Part B cover in Watertown, South Dakota?

The original Medicare Part A and Part B cover medical bills. Part A covers hospital expenses, and Part B provides coverage for doctor’s appointments, outpatient treatment, etc.

Do Medigap premiums increase with age in Watertown, South Dakota?

Every insurance company sets a different premium for Medigap plans. Younger beneficiaries tend to have lower premiums. Attained-age-related premiums are the only Medigap plan that will increase based on age.

Can I refuse to enroll in Medicare Part D in Watertown, South Dakota?

Yes. Medicare Part D isn’t mandatory, but it’s a wise investment. Your original Medicare plan won’t cover prescription drugs, so you’ll have to enroll in Part D for that coverage.

How to Sign Up for Supplemental Medicare in Watertown, SD

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.

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.