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Medicare Part D in South Dakota

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Why would I need Medicare Part D in South Dakota?

Medicare Part D in South Dakota, as in other states, is the prescription drug coverage “part” of Medicare. Medicare Part A (hospital insurance) and Part B (medical insurance) do not usually pay for prescription drugs. You can get coverage under Medicare Part D in South Dakota in either of two ways:

  • If you have Medicare Part A or Part B, you can usually enroll in a stand-alone Medicare Part D Prescription Drug Plan that works alongside your Original Medicare coverage.
  • If you have both Medicare Part A and Part B, you can enroll in a Medicare Advantage Prescription Drug plan in South Dakota. Medicare Advantage plans are an alternative way to receive all Medicare Part A and Part B benefits (except hospice care, which remains covered by Part A) and more from a single plan.

You need to keep paying your Medicare Part B premium, along with any applicable plan premium.

Medicare Prescription Drug Plans in South Dakota are designed to help protect you from the high costs of prescription drugs. If your plan covers your medications, you could save money on prescription drug costs. Note that Medicare Prescription Drug Plans work the same way nationwide.

Each Medicare Part D Prescription Drug Plan in South Dakota typically has a formulary, or list of covered prescription drugs. The formulary can change, but the plan will notify you in advance of changes when necessary. These plans are offered by private, Medicare-approved insurance plans, so formularies and costs may be different from one plan to another.

While Medicare Part D Prescription Drug Plans aren’t free, their benefits might outweigh the costs. Cost-sharing amounts such as copayments and coinsurance are common. Some plans may have a monthly premium you pay in addition to your Medicare Part B premium. Some may have an annual deductible.

When can I sign up for Medicare Part D in South Dakota?

You can enroll in either type of Medicare Part D Prescription Drug Plan at various times set by Medicare. Many people choose to enroll during the Initial Enrollment Period when they are first eligible for Medicare. If you don’t have creditable prescription drug coverage and you choose not to enroll under Medicare Part D in South Dakota when you’re first eligible, you may have a lifelong late enrollment penalty if you decide to sign up later.

You can also sign up or change plans during the Annual Election Period each fall. Under specific circumstances, you may be eligible to change plans during a Special Election Period.

What else should I know about Medicare Part D in South Dakota?

It’s a good idea to review your options for prescription drug coverage under Medicare Part D in South Dakota.

  • In 2018, the state has 23 Medicare Part D Plans serving more than 116,000 Medicare beneficiaries throughout the state, according to the Centers for Medicare & Medicaid Services (CMS).
  • CMS reports that in 2018, 68% of people who have Medicare Part D coverage have access to a plan in South Dakota with a lower premium than what they paid the previous year.
  • The lowest premium for a Medicare Part D Plan in South Dakota is $20.40 per month.

Formularies, premiums, copayments, coinsurance, and deductibles vary among the plans that offer coverage under Medicare Part D in South Dakota. It may be wise to compare costs and check to make sure your prescription drugs are on the plan formulary. You can enter your zip code and click the Browse Plans button on this page to look for Medicare Part D Prescription Drug Plans and Medicare Advantage Prescription Drug plans available where you live in South Dakota. You can also add your medications to estimate your cost savings.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year.

A plan’s formulary may change at any time. You will receive notice from your plan when necessary.

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