Medicare Hope
South Dakota
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Numerous senior citizens in the US do diligent financial planning and save money their entire lives for a comfortable retirement. But due to the rising healthcare costs and expensive medications, it’s not uncommon for people in the US to go through medical debt.

Several surveys reveal that approximately 16 million adults in the US are currently going through medical debt and owe more than $10,000. Medical debt isn’t limited to a certain demographic but equally affects everyone that is suffering from chronic ailments, especially those with disabilities.

Even after a lifetime of meticulous financial planning, nobody is safe from the financial strain that comes with medical emergencies; nearly 1 in 3 US families usually opt out of seeking a medical professional’s help to prevent exorbitant medical expenses.

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The Quick Guide on Different Medicare Options Available in South Dakota

Every person who is enrolling themselves in the Medicare program must choose between one of these healthcare programs to receive benefits from Medicare.

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Medicare Advantage – Part C

The Medicare Advantage plan or Medicare Part C is an all-in-one solution for people who are looking to combine all of their Medicare benefits into a single policy. This well-rounded coverage plan includes all the benefits of Part A, Part B, and Part D. This plan even provides its beneficiaries with additional benefits like dental, vision, hearing, discounted gym memberships, and other health and wellness support programs.

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Special Needs Plan (SNP)

The special needs plan limits its membership only to those people who have been diagnosed with specific chronic conditions and characteristics. This plan includes tailored healthcare benefits, drug formularies, and provider choices that have been specifically designed to meet the special needs of these people.

To become eligible for the special needs plan, you need to be enrolled in Medicare Part A, or Part B plans or has a chronic condition like AID/HIV, diabetes mellitus, dementia, cardiovascular diseases, cancer, auto-immune disorders, or a neurological disorder.

  • PCP and a specialty referral are required
  • Most plans include drug coverage

Medicare Part D

If your base healthcare plan does not include prescription drug coverage, you can always sign up for Medicare Part D. This healthcare plan specifically provides drug coverage and charges a monthly premium, an annual deductible, and other out-of-pocket expenses.

The costs of your Part D plan vary on the plan you sign up for.

Part D Deductible

A lot of the Part D policies have an annual deductible. The maximum deductible in 2022 is $480.

Initial Coverage Limit

Medicare beneficiaries will be expected to pay for 25% of the cost-sharing, and 75% will be covered by the plan.

Coverage Gap

Medicare Part D coverage gap begins after your drug plan has paid a certain amount for your prescription drugs. In 2022, this limit is $4,430. This amount changes annually, and you will be responsible for paying 25% of the plan’s costs for any brand-name drugs listed in your plan’s formulary.

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Medigap – Supplemental Healthcare

Medigap or Medicare Supplement plans are a supplementary healthcare option that is funded by private insurance agencies to help cover any gaps left in the Original Medicare.

Each policy in this program is labeled from A to N. To qualify for Medigap:

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Comparing Medicare Plans in South Dakota

Here are some factors you should consider before enrolling yourself in a Medicare health insurance plan.

Provider Network

Many Medicare plans provide their enrollees with a network of healthcare providers to choose from. You can save a lot of money by opting for in-network providers since out-of-network providers have higher premiums and extra charges.

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Why Trust Medicare Insurance Agents at Integrity Now Insurance Brokers?

At Integrity Now Insurance Brokers, our Medicare Hope insurance agents have extensive experience when it comes to streamlining comprehensive insurance plans at the most affordable rates.

Our Medicare insurance agents have helped countless of our clients find the most well-rounded insurance plans and get ample coverage for all of their necessary medical treatments.

We partner with numerous top-rated Medicare insurance providers across South Dakota that we carefully selected due to their past stellar records and reliable health insurance policies.

Give us a call today, and we can help you compare quotes and make sure all of your specific needs and requirements are met.

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