Cost Plans

Medicare cost plans are somewhat similar to Medicare Advantage plans.

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What is a Medicare cost plan?

Medicare cost plans are a type of Medicare health plan. Private insurance companies contract with Medicare to deliver your Original Medicare (Part A and Part B) benefits.

A Medicare cost plan may have a provider network. If you go outside the plan network, even without a referral, generally Medicare Part B covers your doctor visits and other Medicare-approved expenses. Coinsurance and deductible amounts may apply.

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Every 3rd Thursday @ 1:00pm at the Canyon Lake Activity Center.

Who’s eligible for a Medicare cost plan?

You’re generally eligible for a Medicare cost plan if all of the following are true:

-You’re enrolled in Medicare Part B, and eligible for Part A.
-You live in the plan’s service area. In some cases, you can live outside the plan’s service area.
-The plan is accepting new patients.
-You agree to follow the plan’s membership rules.
-You don’t have end stage renal disease (ESRD, a type of permanent kidney failure). There are some exceptions.

What We Offer

At Healthwise Rapid City
  • Part A
  • Part B
  • Part D
  • Medigap Policies
  • Part C
  • Medicare Cost Plan

Part A

Medicare Part A (Hospital Insurance): Part A coverage is a premium-free program for participants with enough earned credits based on their own work history or that of a spouse at least 62 years of age (when applicable) as determined by the Social Security Administration (SSA).

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Part B

(Outpatient and Medical Insurance): Part B coverage requires a monthly premium contribution. With limited exception, enrollment is required for members who are retired or who have lost Current Employment Status and are eligible for Medicare.

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Part D

(Prescription Drug Insurance): Part D coverage is not required for plan participants enrolled in any of the state programs (i.e., CIP, TRIP, LGHP or State). Medicare Part D coverage requires a monthly premium, unless the participant qualifies for extra-help assistance.

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Medigap Policies

Medigap is Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
– Copayments
– Coinsurance
– Deductibles

Our Approach

For everyday care or life-changing care, you can count on us and loved.


You can count on us to keep you and your loved ones safe and healthy.


Part C

 A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.

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Medicare Cost Plan

A Medicare Cost Plan is similar to a Medicare Advantage plan in that enrollees have access to a network of doctors & hospitals and may have additional benefits beyond what’s provided by Original Medicare. But unlike Medicare Advantage plans, a cost plan offers policyholders the option of receiving coverage outside of the network, in which case the Medicare-covered services are paid for through Original Medicare. Cost plan enrollees may decide to return to Original Medicare at any time, since a cost plan works in tandem with (as opposed to a replacement for) Original Medicare. Cost plan coverage is popular in our region, and it should be of interest to all ages of Medicare beneficiaries.

Medicare Caddy

Let the Medicare Caddy help you today. Call us to set up an appointment.

Our Team

Dean Henzlik, CSA
Your Medicare Caddy.