Why Choose Avera Health Plans for Medicare Supplement Insurance?
Go with an insurance carrier you can trust. Avera Health Plans has served communities in the Midwest for more than a quarter of a century. Avera Health Plans offers stable coverage, plans that fit your budget and dedicated support from local experts.
There are many things to consider when finding the right Medicare Supplement plan. Access to health care and specialists are among your top concerns, along with financial stability. That’s why your health insurance plan must have you covered, while also meeting your needs close to home. Finding the right plan for your needs and budget is easy with guidance from our agents.
Our expert agents understand that health insurance should meet you where you’re at with unbeatable coverage as a must and not a nice-to-have.
What is Medicare Supplement Insurance?
Medicare Supplement Insurance (MSI), also known as Medigap, works to “fill the gaps” in your Original Medicare coverage. It will offset some of the costs you’d normally pay for on your own. Think of your MSI plan as extra insurance you buy to pay for things like:
- Co-pays
- Deductibles
- Coinsurance
Who is 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
Each person has different needs, so it’s best to consult with our licensed agents to understand your best options. If you are on Medicaid, you may not need this insurance plan or any other Medicare Supplement Insurance.
When can I enroll in Medicare Supplement?
- We accept enrollments throughout the year as long as individuals are enrolled in Original Medicare.
- First-time enrollment eligibility begins three months before the enrollee’s 65th birthday and continues three months after.
- For Medicare Supplement Insurance you can enroll year-round with your Medicare number.
- You are guaranteed issue rights with no health questions if enrolling during your six-month Medigap open enrollment period — the window that begins the first month you have Medicare Part B and are 65 or older.
East River South Dakota Plans
Medicare plans can be confusing to navigate without an expert helping you understand your options. Trust our dedicated local agents in South Dakota to connect East River residents to the best plan to fit lifestyle, needs and budget.
Basic coverage for all 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.1
Get plan and pricing specifics for our Medicare Supplement plans and Medicare Supplement AgilityPlus plans in their Outline of Coverage for South Dakota.1
|
AgilityPlus Select Plans |
AgilityPlus Standard Plans |
| Availability |
SD residents in Brown, Lincoln, Minnehaha, McCook, Yankton, Davison, Hanson, Hughes or Stanley counties |
SD residents in all counties |
| Provider Choice |
Choose (or keep) your own primary care doctor |
Choose (or keep) your own primary care doctor |
| Hospitals and Health Care Facilities |
In our region, visit a hospital or surgical center in the AgilityPlus Select Network Hospital Directory (pdf). |
Access to any Medicare approved location |
| Travel |
Coverage anywhere, all year for 90 continuous days at a time for emergency and non-emergency care |
Coverage anywhere for emergency and non-emergency care |
| Urgent Care and Emergencies |
Access to any Medicare approved location nationwide (if you’re traveling, covers up to 90 days) |
Access to any Medicare approved location nationwide |
| Virtual Visits |
Access with out-of-pocket costs |
Access with out-of-pocket costs |
| Fitness |
Up to $120 reimbursement annually for going to an approved facility 8 times a month |
Up to $120 reimbursement annually for going to an approved facility 8 times a month |
| Hearing Coverage |
Initial hearing exam |
Initial hearing exam |
| Extra Preventive Benefits |
- Annual routine physical exam once every 12 months
- Heart and vascular screening coverage through Avera’s Planet Heart program with the Avera Heart Hospital
- 15% discount at Avera Home Medical Equipment. Exclusions apply.
|
- Annual routine physical exam once every 12 months
- Heart and vascular screening coverage through Avera’s Planet Heart program with the Avera Heart Hospital
- 15% discount at Avera Home Medical Equipment. Exclusions apply.
|
How to pick a plan1 This policy may not fully cover all of your medical costs. Network restrictions apply with Select plans. Neither Avera Health Plans nor its agents are connected with Medicare. This Outline of Coverage does not give all the details of Medicare coverage. Contact your local Social Security Office or review the "Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare” handbook for more details.
