South Dakota residents have several ways to obtain health insurance. If you live here in this state, you can always just purchase private insurance. HealthQuoteInfo aims to provide the support you need in this process. Your employer may offer a South Dakota health insurance coverage you can purchase through the company. Even the state of South Dakota has several healthcare coverage options for which you can be eligible.
Medicaid & Low Income Health Insurance South Dakota
It’s prudent to apply for Medicaid assistance in South Dakota, just in case there is a Medicaid program with eligibility requirements that allow you to receive coverage benefits for free or low cost. Medicaid offers assistance to various groups such as low-income families, children, workers with disabilities, and the elderly.
Children have less restrictive eligibility standards due to the Children’s Health Insurance Program, and they can obtain Medicaid assistance even if they already have private insurance. It all depends if they can meet income ceiling requirements.
For a household consisting of a family of two (a parent and a child or two children under the age of 19), children without insurance can be eligible if they don’t exceed a monthly gross income of $2,868. The income ceiling drops to a monthly gross income of $2,566 if they already have insurance but would like Medicaid for benefits that aren’t included in their private insurance.
Low-income families can also be admitted as a whole. The family must consist of a caretaker relative and the child must be living at home and under 18 years of age. The child can be older than 18 (but not 19) if they are still living at home and is expected to finish high school. Whether or not they have insurance, the income ceiling for a family of two is $772 a month.
Medicaid for Pregnant Women
Pregnant women can also avail of medical benefits, but the range of services they receive will depend on the kind of coverage they’re granted. Full Medical Coverage for Pregnant Women offers comprehensive coverage, but the income ceiling for a family of two (the unborn child is considered part of the household) is just $517 a month.
On the other hand, the Limited Medical Coverage for Pregnant Women is more accessible as it allows pregnant women to enroll if they’re part of a household of two and they earn no more than $1,894 a month. The coverage, however, is limited to just the services directly related to the pregnancy. The coverage also covers family planning services and postpartum care for 60 days.
The newborn infant is also automatically enrolled into the Medicaid program if their mother has been receiving South Dakota Medicaid when the child was born. This coverage continues until the end of the month of the child’s first birthday.
Disabled Children’s Program
To qualify, the child must be under the age of 19 and must need medical services are in the home equivalent to a level of care required in a hospital, nursing facility or intermediate care facility. This means that a child who is disabled but is medically stable cannot qualify for this particular program.
This program has no income ceiling or asset limit requirement for the parents, but the child’s monthly income must not exceed 300% of the SSI Standard Benefit Amount. Their own resources (such as checking and savings account) should also be less than $2,000.
Breast and Cervical Cancer Program
This is for South Dakota women who require treatment for breast or cervical cancer. The woman must be uninsured and earning an annual income of no more than $24,280. The eligibility ends once treatment has been completed or if she obtains health insurance during the time of the program’s coverage.
South Dakota Medicaid for Workers with Disabilities (MAWD)
Qualified applicants to this program must be employed and have a significant disability. The income limit is only for unearned income, such as VA and SSDI, and must be less than $755 a month. There is also a resource limit of $8,000 for the applicant to qualify.
Other Ways of Obtaining Health Insurance in South Dakota
You can always take advantage of the health plan offered by your employer if one is available. The employer pays for a significant portion of the premiums, which makes the costs of the plan more affordable. The plan also accepts employees even if they have preexisting medical conditions.
To continue coverage after you’ve lost your job, you can pay the premium through the COBRA program for up to 18 months. You can then have sufficient time to obtain private insurance or new work-sponsored insurance in the meantime to prevent any lapse in your insurance coverage. Lapses in coverage, if they last long enough, can enable carriers of work-sponsored insurance to refuse coverage for your preexisting conditions during the first 12 months of the policy.
You can also obtain health plans from the South Dakota official exchange, where two carriers (Avera and Sanford) offer health plans. The advantage of these plans is that you can apply for federal government subsidies to help pay for the premiums. Almost 90% of the enrollees in the South Dakota health insurance exchange receive premium subsidies to offset the costs.
Avera and Sanford also offer plans outside the exchange. To find the plans that are available for your particular county, you only have to enter your zip code into our search bar. You will then get a list of health care plans from which you can pick one to cover your whole family.
South Dakota Open Enrollment 2019 & South Dakota Obamacare Insurance
The South Dakota Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in South Dakota, please do not hesitate to give us a call at 1-855-881-0430. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.