Medicare Supplement Plan F Rates in South Dakota
Plan F provided the most comprehensive coverage available, including the Part B deductible. However, it's no longer available to new Medicare enrollees who became eligible after January 1, 2020. If you're already on Plan F, you can keep it. In South Dakota, Plan F rates average around $148/month for age 65 — but prices vary significantly by carrier.
Compare South Dakota Plan F Rates →✅ What Plan F Covers
- ✓ Part A hospital coinsurance and costs up to an additional 365 days after Medicare benefits are exhausted
- ✓ Part A hospice care coinsurance or copayment
- ✓ Part A deductible ($1,632 in 2024)
- ✓ Part B deductible ($240 in 2024)
- ✓ Part B coinsurance or copayment
- ✓ Part B excess charges
- ✓ Skilled nursing facility care coinsurance
- ✓ First three pints of blood
- ✓ 80% of foreign travel emergency care (up to plan limits)
❌ What Plan F Does NOT Cover
- ✗ Prescription drugs (requires separate Part D plan)
- ✗ Dental, vision, hearing
- ✗ Long-term care
South Dakota Plan F Rates by Carrier
South Dakota Plan F — age 65, female non-smoker estimates
Carrier | Monthly Rate | Rating |
|---|---|---|
| Manhattan Life | — | A- |
| Best ValueMedico | — | A |
| Mutual of Omaha | — | A+ |
| United American | — | A |
| UnitedHealthcare (AARP) | — | A+ |
South Dakota Plan F Rate Ranges by Age
| Age | Monthly Range | Annual Range |
|---|---|---|
| Age 65 | $130–$175/mo | $1,560–$2,100/yr |
| Age 68 | $146–$196/mo | $1,752–$2,352/yr |
| Age 70 | $156–$210/mo | $1,872–$2,520/yr |
| Age 72 | $169–$227/mo | $2,028–$2,724/yr |
| Age 75 | $193–$258/mo | $2,316–$3,096/yr |
| Age 78 | $221–$297/mo | $2,652–$3,564/yr |
| Age 80 | $244–$327/mo | $2,928–$3,924/yr |
How Plan F Compares
Plan F vs Plan G: Plan F costs $40-70 more per month than Plan G but covers the $240 Part B deductible. You'd need to use it 2-3+ times per year for Plan F to make financial sense. Most people are better served by Plan G.
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