There are many things to consider when finding the right Medicare Supplement Plan for your needs and budget. The Avera Health Plans expert team is here to help you navigate through questions and find the right fit – whether you’re shopping for insurance for yourself or for a loved one.
What is Medicare Supplement Insurance?
Medicare Supplement Insurance (MSI), also known as Medigap, works to “fill the gaps” left 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.
South Dakota Plans
We can help find the best plan to fit your needs. We have dedicated trusted local agents who understand Medicare and Medicare Supplements and make a confusing subject easier to navigate.
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 in the Outline of Coverage for South Dakota.1
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|
Select Plans |
Standard Plans |
| Availability |
Residents across South Dakota excluding Bennett County |
Residents of all South Dakota 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 Network Hospital Directory (pdf) |
Access to any Medicare approved location |
| Travel |
Coverage anywhere, all year for 180 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 (if you’re traveling, covers up to 180 days) |
Access to any Medicare approved location |
| Virtual Visits |
Access with out-of-pocket costs |
Access with out-of-pocket costs |
| Fitness |
30% discount on a fitness membership at GreatLIFE |
30% discount on a fitness membership at GreatLIFE |
How to Choose 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 consult “Medicare & You” handbook for more details.
