|Plan Type||Est. Premium*|
|Medigap Plan A:||$77.11||(shop rates)|
|Medigap Plan F:||$107.09||(shop rates)|
|Medigap Plan G:||$92.10||(shop rates)|
|Medigap Plan M:||$85.14||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in South Dakota. You must request a quote to get an exact premium for your situation.
United of Omaha Life Insurance Co is licensed in South Dakota to sell United of Omaha Medigap Plans. This page outlines the Medicare Supplement insurance available from this carrier, as well as resources to get an accurate quote. Medicare Supplements help pay the deductibles, copayments and coinsurance that come with Original Medicare. This insurance carrier has participated in the supplement insurance market for 4 years and offers a range of plans for South Dakota seniors (see plans offered below). A.M. Best Company, a nationally recognized insurance rating company, gave United of Omaha an A+ rating.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
South Dakota seniors with Medicare benefits are eligible to apply for a United of Omaha Life Insurance Co Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- UnitedHealthcare Medigap Plan A (South Dakota)
- Globe Life Medigap Plan A (South Dakota)
- Transamerica Medigap Plan A (South Dakota)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in South Dakota. United of Omaha Life Insurance Co offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in South Dakota by comparing quotes from these insurance carriers:
- Combined Medigap Plan F (South Dakota)
- Globe Life Medigap Plan F (South Dakota)
- Central States Medigap Plan F (South Dakota)
Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.
If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.
Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. United of Omaha Life Insurance Co offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- Forethought Life Medigap Plan G (South Dakota)
- GPM Life Medigap Plan G (South Dakota)
- Royal Neighbors Medigap Plan G (South Dakota)
Plan M is a cost sharing plan. What this means is that you are responsible for any additional out of pocket expenses as compared to Plans C, D, F and G. Basically, Plan M works like a Medicare Advantage HMO or PFFS plan without the network hospital and doctor restrictions. You are free to visit any doctor or hospital that accepts Medicare patients.
Plan M includes the core coverage, plus three extra benefits. It covers 50% of your Medicare Part A in-patient hospital deductible, your coinsurance amount for skilled nursing facility care for the 21st through the 100th day of your stay, and any emergency care you may require when you are in a foreign country after a $250 deductible. This benefit pays 80% of the cost of your care for the first 60 days of each trip, up to $50,000 in your lifetime.
Plan M is a real cost saver, but keep in mind that it only pays 50% of your Medicare Part A. Plus, you are required to pay the Part B deductible and Part B excess charges. This plan is not offered by a lot of carriers, so be sure to compare premiums with these insurance companies:
- Sterling Investors Medigap Plan M (South Dakota)
- Transamerica Medigap Plan M (South Dakota)
- Family Life Medigap Plan M (South Dakota)
You are eligible to apply for a United of Omaha Medicare Supplement if you are:
- A resident of South Dakota,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
United of Omaha offers plans in Sioux Falls, Rapid City, Aberdeen, Brookings, Watertown and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on