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Israel retaliates against Iran; Americans oppose mass deportations; an online event aims to break myths about immigration; bail reform doesn't have the impacts some believe; insurance claims post-Helene and Milton are being denied at high rates; members of a teacher's union are unhappy at the pace of negotiations; and early voting yields high returns.

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Former first lady Michelle Obama campaigns about a loss of reproductive freedom in a second Trump presidency. Sen. Lindsey Graham pushes back on John Kelly's "fascist" description of Trump, and advocates call for nonpartisan support for national parks.

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Down-ballot races get short shrift in funding from political parties, Minnesota nice means helping high school kids get a head start on future careers, and Oklahoma tribes reverse effects of historic ag consolidation.

Health insurance plans offer preventive services to South Dakotans

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Wednesday, October 23, 2024   

Navigators in South Dakota are on call to help people seeking health insurance during open enrollment. Open enrollment is the time for people to sign up for 2025 health plans through the federal insurance marketplace, from Nov. 1 through Jan. 15 and for people who get coverage through Medicare, open enrollment is now through Dec. 7.

Penny Kelley, program manager of outreach and enrollment services for the Community Healthcare Association of the Dakotas, said four of five people get coverage for $10 per month or less through the insurance marketplace.

"Most health plans cover preventative services like shots, screening tests, and that's at no additional cost as long as they're provided by a doctor or provider in their plan," Kelley outlined. "We found that this really helps people stay healthy without worrying about all the extra expenses."

In 2022, nearly 70,000 South Dakotans were uninsured, or 8% of the population, which is on par with the national rate, according to KFF. Those looking for coverage through the Marketplace can get help from a navigator through Get covered South Dakota.

For people enrolled in Medicare, open enrollment means rethinking your supplemental plan, which covers some things Medicare does not.

Individuals with employer-sponsored health plans are also selecting coverage during open enrollment periods that typically run between September and December.

Dr. Rhonda Randall, chief medical officer and executive vice president of UnitedHealthcare Employer and Individual, noted personal circumstances can change and plans can change, too. She stressed it is worth looking over your plan, even if you are unsure you need to make changes.

"A lot can change in a year," Randall pointed out. "You want to consider, are your current benefit plans still meeting your health care needs and your budget needs?"

Randall suggested shoppers pay attention to not only monthly premiums but in-network providers and medications, as well as specialty benefits in Medicare Advantage plans, like dental and mental health coverage.

Websites can help explain unclear terms and concepts, including MedicareMadeClear.com and JustPlainClear.com.



Disclosure: UnitedHealthcare contributes to our fund for reporting on Health Issues. If you would like to help support news in the public interest, click here.


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