South Dakota Medicare Insurance Plans

Medicare Supplement (Medigap) Policies

The state flag of South Dakota | South Dakota Medicare Insurance Plans

South Dakota requires insurers to offer at least one Medicare Supplement policy to adults under 65 afflicted with disability.

Mini-COBRA Policies

South Dakota requires employers to provide continuation coverage for thirty-six months. However, after eighteen months the employee’s contribution raises from 102% to 150%.

Medicare Savings Programs

South Dakota has three Medicare savings programs.  The following data is from 2016 and is based on federal amounts.  These amounts may increase in 2017.  If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.*

  • Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,010 and for couples with a monthly income under $1,355, the state pays all premiums for Part B and all Co-Pays and Deductibles for Parts A & B
  • Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income under $1,208 or couples with monthly income under $1,622, the state pays premiums for Part B.
  • Qualified Individuals (QIs): For individuals with a monthly income under $1,357 or for couples with monthly income under $1,823, the state pays premiums for Part B.

*Data from Medicare.gov

**According to Secure.ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.

The Senior Health Information and Insurance Education (SHIINE) Program

The Senior Health Information and Insurance Education (SHIINE) program of South Dakota is administered by the South Dakota Dept. of Social Services, Adult Services and Aging, in Pierre, SD. SHIINE offers information on Medicare and its related insurance, makes referrals for State and Federal programs and provides Long Term Care education.

Low-Income Subsidy (“extra-help”) for Prescription Drugs

In 2016, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple).

If you live in South Dakota, consult with one of our licensed sales agents to get personal assistance. One of our licensed sales agents can compare South Dakota Medicare insurance plans in your area and help you find the Medicare insurance benefits that are right for your needs.