Do You Have Medicare Supplement Insurance?

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Find out what you need to know about Medicare Supplement Insurance from Avera Health Plans.

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At Avera Health Plans, we can help find the best plan to fit your needs. We have dedicated trusted local agents who understand Medicare and Medicare Supplements who make a confusing subject easier to navigate.

MSI, also known as Medigap, works to “fill the gaps” left in your Original Medicare coverage. It will offset some of the costs that you would normally have to pay for on your own. Think of your MSI plan as extra insurance you buy to pay for things like:

  • Co-pays
  • Deductibles
  • Coinsurance

Coverage for all MSI plans is the same from all insurance carriers. However, pricing varies by carrier. You'll also see differences in price based on Standard and Select (network) plans.

Medicare and You

Medicare and You - FREE Online Educational Seminar

Make sure your health insurance coverage is retirement-ready!

Join us for a virtual event designed to help you understand the basics of Original Medicare and how a Medicare Supplement plan can protect your retirement savings and save you from unexpected health care costs. You'll have the opportunity to talk with a licensed agent to get answers to your questions and gain a better understanding of Medicare options available to you.

Register Now!

Medicare 101 Video

Medicare Supplement Insurance YouTube Video

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Plans for Medicare Beneficiaries

Plan coverage for all Medicare Supplement Insurance plans is the same from all insurance carriers. However, pricing varies by carrier. You'll also see differences in price based on Standard and Select (network) plans.

View our Outline of Coverage for the monthly premium rates for Medicare Supplement Insurance plans available in your region:

Plan Options & Rates

*Network restrictions apply with Select plans. Neither Avera Health Plans nor its agents are connected with medicare or state or federal government.

Medicare beneficiaries living in South Dakota (excluding residents of Bennett county) or the northwest Iowa counties of Dickinson, Emmet, Lyon, O’Brien, Osceola, Plymouth, Sioux and Woodbury may be eligible for a Medicare Supplement policy from Avera Health Plans to help cover out-of-pocket expenses.

Am I Eligible for Medicare Supplement Insurance?

To be eligible for Medicare Supplement Insurance, you must:

  • Be 65 years of age or older and have Medicare Part A and Part B
  • Be under 65 years of age and disabled and have Medicare Part A and Part B
  • Have ALS (Lou Gehrig’s disease) and have Medicare Part A and Part B

On Medicaid?

If you are on Medicaid, you may not need this insurance plan or any other Medicare Supplement Insurance.

No Wait to Cover Pre-Existing Health Conditions

Whether you’re choosing your first Medicare Supplement Insurance policy or replacing a different Medicare Supplement policy, Avera Health Plans has no waiting periods for pre-existing health conditions. Once we approve your application, your coverage begins immediately on the effective date of the policy.

Open Enrollment Period

Avera Health Plans Medicare Supplement Insurance open enrollment period is a time when anyone qualified for Medicare can apply for Medicare Supplement Insurance.

During an open enrollment period:

  • No health questions are asked
  • You will automatically be accepted for coverage if you’re at least 65 years old and apply for Avera Health Plans coverage within six months of your Medicare Part B effective date

If you have group health coverage from a current employer and delay enrolling in Medicare Part B, your open enrollment period won’t start until you sign up for Part B.


As long as you pay your premiums on time, your Medicare Supplement coverage can’t be canceled because of the number or size of your claims.

Right to Return Policy

If you find that you're not satisfied with your policy, you may cancel it within 30 days of receiving it. We'll treat your policy as if it had never been issued and will return all of your payments. In order to make a cancellation, contact your agent.

Refund of Premium

If we receive written notice that you wish to terminate your coverage, any premium paid beyond the termination date will be refunded to you.

Doctors, Hospitals & Other Medicare Supplement Benefits

With an Avera Health Plans Medicare Supplement policy, you may see the physician of your choice—and you won’t need a referral for basic care.

To receive full plan benefits when you need hospital or outpatient surgery services, make sure your physician has admitting privileges at an in-network hospital or is willing to refer you to a physician who does.

In-Network Hospitals for Medicare Supplement Select Plans

With a Medicare Supplement Select Plan, you’ll get the best rates because you benefit from our great relationships with our contracted providers. You can still see any doctor, but you must use in-network hospitals for outpatient surgery or hospital-based care, including laboratory and imaging services.

Review our Network Hospital Directory for Select plans.

What Happens in an Emergency or While Traveling?

In emergencies, Avera Health Plans benefits will be paid to any Medicare-approved hospital or physician, so you can take care of yourself as you and your doctor feel is best.

When you travel outside our service area, benefits will be paid to any Medicare-approved hospital or clinic for up to 90 days from the first day you receive care, once per calendar year.

Get Help from Our Customer Care Center

Our Customer Care Center can confirm whether you can get the treatment you need from a participating in-network hospital. If not, we’ll help you find a hospital that provides the service. If you need treatment that’s not available from an in-network hospital, you or your doctor should ask about admission procedures at a non-network hospital. For information:

Benefits of Avera Medicare Supplement Insurance

When you choose Avera Health Plans, your Medicare Supplement Insurance:

  • Pays for most Medicare-eligible expenses not paid by Medicare
  • Lets you choose your doctor; with Select plans, your doctor must have admitting privileges at a network hospital; view our Network Hospital Directory for Select Plans only (pdf)
  • Offers low rates compared to most plans in the region
  • Provides a free 30-day review
  • Offers local South Dakota agents who will travel to your community; find an agent near you
  • Provides locally trained customer service
  • Gives you flexibility when you travel - ask about our experts about steps to take when you travel out of town

Review the Medicare Buyer's Guide - Choosing a Medigap Policy (pdf).

Importance of Medicare Supplement Insurance

Medicare Supplement Insurance provides extra health care coverage when dealing with an unexpected diagnosis or a serious illness. Agents at Avera Health Plans are available help you find affordable Medicare Supplement Insurance.

Who Can Help Me & How Do I Apply for Medicare Supplement Insurance?

Get the information you need to understand your options, answer your questions and apply for a Medicare Supplement Insurance plan from our helpful agents. Find an agent near you.