Medicare Supplement Insurance (Medigap) helps South Dakota seniors and eligible disabled residents pay for healthcare costs not fully covered by Original Medicare, such as deductibles, copayments, and coinsurance. South Dakota residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to individuals who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in South Dakota
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 39,433 |
| 2 | G | 30,542 |
| 3 | N | 2,257 |
Note: Plans E, H, I, and J were discontinued nationwide. Pre-standardized plans (sold before July 1992) may still exist but are no longer issued.
Did you know? South Dakota law gives younger Medicare beneficiaries stronger protections than many states — insurers must offer all Medigap plans to residents under 65, and premiums for this group cannot be higher than those charged to a 75-year-old. At the same time, Plan F remains unusually popular here, with more than 39,000 enrollees.
How Medigap Pricing Works in South Dakota
Insurers use different pricing methods to set premiums, which determines how costs rise over time. In South Dakota, policies may follow one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you purchase the plan and rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in South Dakota
South Dakota requires insurers to make their full lineup of Medigap plans available to under-65 beneficiaries who qualify for Medicare due to disability or end-stage renal disease (ESRD). By law, insurers cannot charge these individuals more than the premium rate applied to a 75-year-old enrollee.
Choosing a Medigap Plan in South Dakota
With Plan F and Plan G together covering the vast majority of South Dakota enrollees, most beneficiaries opt for comprehensive coverage. Plan N provides a lower-cost option for those willing to accept some cost-sharing. Every Medigap policy can be used nationwide with any provider that accepts Medicare, ensuring South Dakota residents have dependable coverage whether receiving care in Sioux Falls, Rapid City, or beyond.
To compare premiums and review plan options available in your area, visit our Medigap rate comparison page.