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The Facts About South Dakota Medicare Supplemental Insurance

South Dakota residents about to turn 65-years-old, and getting both Medicare Part A & B plans, need to learn about the Medicare supplement plans that are available to cover any lapses in health care insurance that the original Medicare plans don’t cover.

You can choose from supplemental plants to make up for any gaps in coverage in your original Medicare Part A & B plans. The supplemental plans are labeled by letters A through N (plans labeled E, H, I, and J are no longer sold in South Dakota). Each plan covers a unique set of services, and you should pick a supplement plan that will adequately cover your current and future health issues. Each supplemental plan has different co-pays, premiums, and coverage limits.

The month you turn 65 is when the Medigap Open Enrollment Period begins for six months. During this time, you can choose a supplemental plan without worrying about any pre-existing conditions you might be facing. You can’t be denied coverage for any pre-existing condition you might have, and your premiums won’t be affected by the pre-existing condition, either. After six months, you can still apply for supplemental insurance, but now you can be denied coverage, and your premiums can go up if you have any pre-existing conditions.

You have to make a realistic assessment of your health as it is now and how you think it will be in the future, and then you have to compare your assessment to the coverages offered in the supplemental plans.

Meyer Insurance representatives understand how each supplemental plan works. One of our helpful representatives can sit down with you and learn about your health issues. The representatives can offer you sound guidance on which supplemental plans will offer you the best protection based on your health needs and your financial ability to cover the co-pays, premiums, and out-of-pocket expenses.