Our Services
Insurance Plan Comparison
Plan comparison is a free service that lines up the Medicare options available where you live against your specific doctors, prescriptions, and budget — then narrows them to the two or three that genuinely fit. With about two dozen Medicare Advantage plans around Sioux Falls (and a different set across the border in Iowa and Minnesota), seeing them side by side is the only way to choose with confidence instead of guessing.
What we compare
We look at the plans we offer across premiums, drug deductibles, maximum out-of-pocket limits, provider networks, prescription tiers, and extra benefits like dental, vision, hearing, and OTC allowances. Instead of handing you a stack of brochures, we translate it into a clear apples-to-apples picture so the real differences — not just the monthly premium — drive your decision.
How it works (step by step)
You share your doctors, your medication list, and what matters most to you. We run those details against the plans we offer in your county, check each provider's network status and each drug's tier, then bring you a short list with the trade-offs explained. You pick the one that fits, and we handle enrollment. No spreadsheets to build yourself.
Who it's for
This fits people new to Medicare deciding between paths, current members who suspect their plan no longer fits, and anyone who finds the online plan finder confusing. It's especially useful if you see specialists across the SD/IA/MN region or split time between states and need coverage that travels well.
Why local matters
Networks are local, and the Big Sioux area straddles three states. We know how the plans we offer treat Sanford and Avera providers on both sides of the river, so we can tell you which options keep your clinic, hospital, and doctors in-network — something a national 800-number simply can't do for Siouxland.
Questions, answered
How many Medicare plans will you compare for me?
We review the plans we offer that are available where you live — across Medicare Advantage, Medigap, and standalone Part D — and bring you the handful that best fit your doctors and prescriptions. The exact count varies by county, but the goal is the right fit, not the longest list. We do the narrowing so you don't have to wade through dozens of brochures.
How many Medicare plans are available in the Sioux Falls area?
For plan year 2026, Minnehaha County, where Sioux Falls sits, has roughly 22 Medicare Advantage plans, according to CMS. That's a lot to sort through on your own, and they differ widely on networks, drug coverage, and extras. We compare the ones we offer against your specific doctors and medications so the long list becomes a clear, short choice.
How many Medicare plans are available in Sioux County, Iowa?
For plan year 2026, Sioux County in northwest Iowa has about 28 Medicare Advantage plans available, per CMS — even more than the Sioux Falls side of the border. Because we serve both states, we can compare options across the line. We match the plans we offer to your providers and prescriptions so the larger number of choices doesn't become overwhelming.
Will you check whether my Sanford or Avera doctors are covered?
Yes. Provider networks are one of the first things we verify. We check each of your doctors and your hospital against the plans we offer before you enroll, so you're not surprised to learn a provider is out-of-network after coverage starts. Because networks can change yearly, we re-confirm them at your annual review too.
Does comparing plans through you cost more than going direct?
No. Plan premiums are set by the carriers and are the same whether you enroll through us or on your own. Our comparison service is free because licensed agents are paid by the carriers, so there's no markup and no fee for our help. You get local guidance and the same plan price you'd find going direct.
What's the best way to compare Medicare plans?
The most reliable way is to compare plans against your own doctors and prescriptions, not by premium alone — a low premium can hide high drug or copay costs. Look at networks, drug tiers, the out-of-pocket maximum, and extras together. We do exactly that with the plans we offer, and you can also verify details yourself on Medicare.gov.
Can you compare Medicare Advantage and Medigap side by side?
Yes. We lay both paths out together so you can see the real trade-off: Medigap's broad provider freedom and predictable costs with a higher premium and a separate drug plan, versus Medicare Advantage's lower premium, network, and bundled extras. Seeing them side by side, mapped to your doctors and budget, makes it far easier to choose the path that fits you.
Do you compare plans across state lines in SD, Iowa, and Minnesota?
Yes. The Big Sioux region spans South Dakota, northwest Iowa, and southwest Minnesota, and plan availability and networks differ by county and state. Because we're licensed to serve the area, we compare the plans we offer wherever you live and get care, which matters if you see providers in more than one state or recently moved across the border.
What factors should I look at when comparing plans?
Beyond the premium, weigh the provider network, drug formulary and tiers, the deductible, copays, the annual out-of-pocket maximum, and extras like dental, vision, and hearing. The right plan balances all of these against how you actually use care. We translate these moving parts into a plain side-by-side so the meaningful differences, not just one number, guide your decision.
How often should I compare plans?
At minimum each year during the Annual Enrollment Period (Oct 15–Dec 7), since costs, drug lists, and networks can change. It's also worth comparing any time you change doctors, start a new medication, or move within or into the Sioux Falls area. A quick yearly look is how people avoid quietly drifting into a plan that no longer fits.