usroamer
Senior Member
I've been told by full timers that use South Dakota as a domain that you'll need plan F if you want to have Medicare access all over the U.S. They are both on Medicare and said it hasn't been a problem for them.
I'm using SD address. Both my wife and I are on Medicare and Plan F. insurance. Medicare, SSA, my Plan F insurance company as well as medical providers all have my SD address as my address of record. I have had no issues using Medicare anywhere in the U.S. Medicare has paid every claim as well as plan F picking up the balance. In fact most of our doctors are in Texas as that is where we spend the better portion of our time. No issues at all. One item to keep in mind. If one signs up for a Medicare Advantage plan then that will only be good in SD as it is basically an HMO type plan. Medicare is taken nationwide and the F plans is taken anywhere Medicare is accepted.
Back to the OP issue. SD also has a special license for combinations over 26K #. The rules have recently changed but I have 2 more years to research before my license is up for renewal.