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HomeMedicare SupplementSouth DakotaMedigap in South Dakota for 2027: 27 Insurers and the Plans They Sell

Medicare Supplement

Medigap in South Dakota for 2027: 27 Insurers and the Plans They Sell

SIOUX FALLS, S.D. — People on Original Medicare in South Dakota have a wide field of Medicare Supplement (Medigap) policies to consider heading into 2027. Medicare.gov's Medigap policy search for ZIP code 57103 lists 27 insurers selling policies to South Dakotans, offering standardized plan letters that range across most of the federally defined options. Here is what the search tool shows, how Medigap fits with the rest of Medicare, and the enrollment windows worth marking on a calendar.

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Key takeaways

  • Medicare.gov's Medigap search for ZIP code 57103 lists 27 insurers selling South Dakotans standardized plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, and N.
  • The best time to buy a Medigap policy is during your one-time, six-month Medigap Open Enrollment Period that begins when you are 65 or older and enrolled in Part B.
  • Ten Medicare Advantage plans offered in South Dakota in 2026 will not be offered anywhere in the state in 2027, giving affected members a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment, which runs October 15 through December 7, 2026 for coverage that starts January 1, 2027.
Medicare SupplementSouth Dakota
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in South Dakota
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in South Dakota?

Medigap is private insurance that works alongside Original Medicare (Part A and Part B) to help pay the out-of-pocket costs Medicare leaves behind, such as coinsurance and copayments. It is not the same as Medicare Advantage. With Medigap, you keep Original Medicare and add a supplement; with Medicare Advantage, a private plan replaces how you get Parts A and B. You cannot use both at the same time. Medigap policies are standardized by the federal government, so the benefits inside a given plan letter are the same from insurer to insurer, though premiums, customer service, and underwriting rules can differ.

Which insurers sell Medigap in South Dakota, and which plan letters do they offer?

Medicare.gov's Medigap policy search for ZIP code 57103 lists 27 insurers selling to South Dakotans. What is actually available can vary by ZIP code and by age, sex, and tobacco use. The listed insurers and the plan letters shown for each are:

Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020.

When is the six-month Medigap Open Enrollment Period in South Dakota, and why does it matter?

Your Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are both 65 or older and enrolled in Medicare Part B. During this window, a South Dakota insurer must sell you any Medigap policy it offers at the same price it charges people in good health, and it cannot refuse you or make you wait for coverage because of pre-existing conditions. Once this six-month window closes, insurers in most situations may use medical underwriting to decide whether to sell you a policy and what to charge, so the timing of this window is one of the most important dates in Medicare.

What happens in South Dakota if my Medicare Advantage plan is not returning in 2027?

Ten Medicare Advantage plans offered in South Dakota in 2026 will not be offered anywhere in the state in 2027, according to CMS Landscape files. Members of a plan that is not returning get a federal guaranteed-issue right to buy certain Medigap plans, which means they can purchase a listed Medigap policy without medical underwriting within the timeframes Medicare sets. Guaranteed-issue rights also apply in other specific situations, such as losing certain employer coverage. If you receive a non-renewal notice from your Medicare Advantage plan, keep it; it is proof of your guaranteed-issue right.

Does Medigap cover prescriptions in South Dakota, or do I need a separate Part D plan?

Medigap sold today does not include prescription drug coverage, so if you want drug coverage you choose a stand-alone Medicare Part D plan separately. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), and the most any Part D plan may charge as a deductible is $700. The Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33 for 2027; actual plan premiums are set plan by plan. You can shop and compare drug plans during Annual Enrollment, October 15 – December 7, 2026, for coverage effective January 1, 2027.

How do I compare Medigap policies in South Dakota?

Start with the plan letter, because benefits inside each lettered plan are the same no matter who sells it. From there, compare premium, how the insurer prices policies as you age, customer service, and any household or payment discounts. Ask each insurer directly, in writing, for its current rate for your age and ZIP code. The Medigap policy search on Medicare.gov is the official listing tool; your plan's documents and 1-800-MEDICARE can confirm specifics.

Where can I get free help with Medicare in South Dakota?

The Social Security Administration announced a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which may affect household budgets as people plan. For free, unbiased help with Medicare questions, Medicare.gov and 1-800-MEDICARE are available year-round. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced; CMS typically releases those figures in the fall.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can I switch from Medicare Advantage to Medigap in South Dakota?
You can switch during the Annual Enrollment Period, October 15 – December 7, 2026, for coverage that begins January 1, 2027. In most situations outside of a guaranteed-issue right or your original Medigap Open Enrollment Period, a Medigap insurer may use medical underwriting to decide whether to issue a policy. If your Medicare Advantage plan is not returning in 2027, you have a federal guaranteed-issue right to buy certain Medigap plans.
Are Plans C and F still available to new enrollees in South Dakota?
Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020. People who were eligible before that date may still be able to buy them from insurers that offer them, including several listed on the Medicare.gov Medigap search for ZIP code 57103.
Does Medigap include drug coverage?
No. Medigap policies sold today do not include prescription drug coverage. If you want drug coverage with Original Medicare and Medigap, you enroll in a stand-alone Medicare Part D plan separately, which you can compare at Medicare.gov.
Where can I get personal help choosing a plan in South Dakota?
Visit Medicare.gov or call 1-800-MEDICARE, available 24 hours a day, seven days a week, for free help comparing Medigap, Part D, and Medicare Advantage options for 2027.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov: the Medigap policy search listing of insurers and plan letters for ZIP code 57103.
  • CMS Landscape Source File: the count of Medicare Advantage plans offered in South Dakota in 2026 that will not be offered anywhere in the state in 2027.
  • Medicare.gov: Medigap rules, the six-month Medigap Open Enrollment Period, guaranteed-issue rights, and the Annual Enrollment Period dates.
  • CMS: the 2027 Part D out-of-pocket cap, maximum Part D deductible, and base beneficiary premium.
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent COLA for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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