Independent insurance · Sioux Falls
Medicare, life, and annuities — handled with care.
Independent insurance for the Sioux Falls area. We compare the plans we offer on both sides of the Big Sioux and match them to your life — no pressure, and no cost to you.
How it works
Medicare guidance at Big Sioux Benefits, in 3 steps
Schedule a free consultation
Tell us your doctors, prescriptions, and budget. No cost, no pressure.
Personal plan comparison
We compare the Medicare Advantage, Medigap, and Part D plans we offer against your needs.
Enroll & ongoing local support
We handle enrollment and stay your local advisor for claims, appeals, and annual reviews.
Our services
Medicare Enrollment Assistance
Turning 65 or new to Medicare — we guide every step.
Plan Comparison
Advantage vs. Supplement vs. Part D, compared for your situation.
Annual Coverage Review
Plans change yearly. We check yours every fall so you never overpay.
Claims Support & Appeals
A real local advocate when something goes wrong.
Turning 65 Consultations
A clear roadmap for your Initial Enrollment Period.
Drug Cost Review
Make sure your prescriptions are covered at the best price.
Medicare products we offer
Medicare Advantage
Medicare Supplement (Medigap)
Part D Prescription Drug Plans
Dental, Vision & Hearing
Hospital Indemnity
Life & Final Expense
Local & data-driven
We know the Siouxland Medicare market — by the numbers
Sioux Falls (Minnehaha County) has 22 Medicare plans for 2026 — and across the Big Sioux in Iowa, Sioux County has even more, at 28 (CMS PY2026). We compare both sides so you don't have to. See Sioux Falls plan data →
From the blog
Latest Medicare guidance
Medicare Durable Medical Equipment in Sioux Falls 2026: What Part B Covers, What You Pay, and How to Close the 20% Gap
Medicare Part B covers walkers, wheelchairs, CPAP machines, blood glucose monitors, and home oxygen at 80% after the $257 deductible — leaving a 20% gap with no annual ceiling under Original Medicare. Here's the full 2026 DME exposure map for Sioux Falls' 39,532 beneficiaries: which conditions qualify (22.9% arthritis, 37.4% obesity, 10% diabetes in Minnehaha County), how Medigap Plan G vs. Plan N closes the gap differently, the supplier assignment risk that can add another 15% to your bill, and what the 5 local Medicare Advantage PPOs offer as an alternative.
Read →
Medicare Hospice Benefit in Sioux Falls 2026: What Part A Covers, What It Doesn't, and How Your Plan Fits In
Medicare hospice is one of the most comprehensive Part A benefits — near-zero cost-sharing for a full care team, symptom-management drugs capped at $5 per prescription, and short-term respite care. Here's the 2026 eligibility rules (the 6-month prognosis standard, benefit periods, revocation rights), the critical Medicare Advantage carve-out rule, how each Medigap plan handles hospice cost-sharing, and the drug coverage split between Part A hospice and the new $2,100 Part D cap — for Sioux Falls' 39,532 Medicare beneficiaries.
Read →
Medicare Cancer & Chemotherapy Coverage in Sioux Falls 2026: What Part B, Part D, and Your Plan Actually Pay
Nearly 3,160 of Sioux Falls' 39,532 Medicare beneficiaries have a diagnosed non-skin cancer. Here's the full 2026 coverage picture: how Medicare splits IV chemo (Part B) from oral chemo (Part D), why the new $2,100 Part D cap is a breakthrough for cancer patients, and how to weigh Medigap Plan G vs. Medicare Advantage when your health stakes are highest.
Read →Common Medicare questions — answered
Does it cost anything to work with Big Sioux Benefits?
No. Our help is free to you — licensed agents are paid by the insurance carriers, not by you. You get unbiased local guidance at no cost.
Which areas do you serve?
We serve the Sioux Falls metro & Siouxland — eastern South Dakota, northwest Iowa & southwest Minnesota, including Sioux Falls, Brandon, Harrisburg, and Tea (SD) plus nearby northwest Iowa communities like Sioux Center and Rock Valley.
When can I enroll in or change my Medicare plan?
Your first window is the Initial Enrollment Period around your 65th birthday. After that, the Annual Enrollment Period runs Oct 15–Dec 7 each year, plus Special Enrollment Periods for qualifying life events. We'll tell you exactly which window applies to you.
Don't navigate Medicare alone
Get your free, personalized Medicare roadmap from a local advisor.