Approximately 4,541 senior citizens live with some level of Medicare in Aberdeen, South Dakota. However, half of them have Medicare Supplement plans, and only 20% have Medicare Advantage plans to help cover gaps in Original Medicare.
Below, we explore what over a thousand people are missing regarding Medicare in Aberdeen, South Dakota.
Medicare plans in Aberdeen, South Dakota
When you enroll in a Medicare plan, consider supplemental Medicare plans for an extra layer of insurance and added coverage. You can choose a Medicare Advantage plan to supplement Medicare Part A and Part B or a Medigap policy to fill traditional Medicare coverage gaps. These Aberdeen, South Dakota plans enhance Original Medicare.
Below, we’ve compiled quotes based on the average 65-year-old or older senior citizen in Aberdeen, South Dakota.
Medicare Advantage plans
Medicare Advantage plans in Aberdeen, South Dakota, come with various options. You can choose from 14 different supplemental plans. Of the 4,541 seniors living in Aberdeen, 20% have opted for Medicare Advantage, and 50% supplement their Medicare with a Medigap policy.
Medica (1876 Cost) has a four-star rating and no monthly premium rates, making it the number one option for many South Dakotans. However, Medica isn’t free — you can expect to pay copays and deductibles for medical services. The Maximum-Out-of-Pocket (MOOP) rate is $4,500.
HealthPartners (1876 Cost) is another Medicare Advantage plan many people choose. Although it has a monthly premium of $35.70, you don’t have to worry about MOOP. HealthPartners has a five-star rating, making it one of the highest-rated policies in South Dakota.
You can also enroll in a Medica (1876 Cost) plan with $34-per-month premium rates. This option has a four-star rating and $6,700 rates for MOOP. Whatever your needs, there’s a Medicare Advantage plan for you!
The average cost of Medicare Advantage plans in Aberdeen, South Dakota
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Medica | $0 | $4,500 | 1876 COST | 4 |
| HealthPartners | $35.70 | N/A | 1876 COST | 5 |
| Medica | $34.00 | $6,700 | 1876 COST | 4 |
| HealthPartners | $39.70 | $3,400 | 1876 COST | 5 |
| Medica | $42.00 | $4,500 | 1876 COST | 4 |
Medicare Supplement plans
Medicare Supplement plans (also called Medigap plans) help reduce your medical bills and lower any out-of-pocket costs you may face. Medigap’s monthly premium may change from state to state. However, you can expect the same benefits no matter where you live.
The most popular Medicare Supplement plans in Aberdeen, South Dakota, are Plan G, Plan HDG, and Plan N. Medigap Plan G has monthly premium rates ranging from $92.94 to $368.26 in Aberdeen, South Dakota. Plan G is your number one choice if you don’t want to pay for Part B deductibles.
Medigap Plan HDG is another popular option. HDG stands for High-Deductible Plan G and includes similar benefits to Plan G, plus a monthly deductible. Living in South Dakota means you can expect monthly premiums in the $28.20–$74.20 range.
Last but not least is Medigap Plan N. This Medicare Supplement policy has a $20 copay for doctor visits and a $50 copay for trips to the ER. However, you can anticipate lower monthly premium rates ranging from $73.23 to $250.37.
The average cost of Medicare Supplement plans in Aberdeen, South Dakota
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $91.78 | $271.32 |
| PLAN B | $118.50 | $298.00 |
| PLAN C | $145.75 | $385.00 |
| PLAN D | $109.44 | $243.13 |
| PLAN F | $111.55 | $388.37 |
| PLAN HDF | $29.00 | $90.00 |
| PLAN G | $92.94 | $368.26 |
| PLAN HDG | $28.20 | $74.20 |
| PLAN K | $48.32 | $138.93 |
| PLAN L | $63.42 | $220.00 |
| PLAN M | $109.77 | $176.37 |
| PLAN N | $73.23 | $250.37 |
Medicare Part D prescription drug plans
Medicare Supplement plans and many Medicare Advantage policies don’t cover prescription medications. If you want coverage for your prescription drugs, you should enroll in a stand-alone Part D plan. Part D plans help people from paying significant out-of-pocket expenses.
Like Medigap plans, South Dakota residents have several options for Part D plans. If you choose Aetna, you can expect monthly premium rates of $6.80. Aetna holds a three-star rating and a $480 deductible.
Wellcare is another excellent choice for Aberdeen, South Dakota, Part D stand-alone plans. The monthly premium is $10.60 with a deductible of $480. Like Aetna, Wellcare has a three-star rating in South Dakota.
For the highest star rating and lowest deductibles, choose a plan from . has a four-star rating with a $310 deductible. However, the monthly premium is $29.30.
The average cost of Medicare Part D plans in Aberdeen, South Dakota
| 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 |
| $29.30 | $310 | 4 |
How to sign up for Medicare plans in Aberdeen
Do you need assistance with your Medigap policy, Medicare Advantage plan, or Medicare Plan D options? You’ve come to the right place since we can provide help for all your needs.
Our highly qualified, fully licensed agents can walk you through the process and help you find the best plan for your Aberdeen, South Dakota Medicare.
Call us today or take a minute to fill out our online rate form to get connected with the best rates in your area.
