Iowa: The Hawkeye State

Iowa Medicare Plans

At the Benefit Link we work with great insurance companies offering Medicare Supplement plans for Iowa Senior residents. Many offer the most popular plans like Plan F and Plan G. Let us assist with the basics. Iowa Medicare plans include 10 standardized options, lettered A – N. Each insurance company must offer at least Plan A, but companies can offer any of the other plans as well.

Our agency works with some of the best Iowa Medicare Plan F and Plan G insurance companies, such as AetnaBankers Fidelity, Blue Cross Blue Shield, Cigna, Humana, Mutual of Omaha, and Transamerica.

You can find a complete list of our Medicare insurance providers here.

iowa medicare plans

Medicare Supplement Plans in Iowa

Medicare Supplements plans in Iowa help to fill in the gaps in Original Medicare. They are a terrific way for you to buy peace of mind for your health insurance. Many people enjoy the freedom of access, because you can see any doctor that accepts Medicare.

Iowa Medicare Supplement Plans

An Iowa Medicare supplement pays for many of the things that original Medicare does not, such as your hospital and outpatient deductibles. Iowa Medicare plans also cover the 20% outpatient coinsurance that Medicare does not pay for you. This kind of coverage lets you focus on getting well.

Medicare Supplement plans in Iowa are also commonly called Iowa Medigap plans. You must be enrolled in both Medicare Part A and B to be eligible.

In the state of Iowa, there are 10 standard Medicare supplements to choose from, plus one high-deductible option.

Each standardized plan has a letter, and they range from Plan A – Plan N. This allows consumers like you too easily compare prices between insurance companies without worrying about any loss of benefits when switching.

An Iowa Medicare Supplement Plan F will provide you first-dollar coverage for both hospital and outpatient medical costs. This means you will not have any copays or deductibles for doctor visits, surgeries, lab-work or hospital stays. If you are new to Medicare, you can enroll in any Iowa Medigap plan during your initial open enrollment window. There are no health questions or pre-existing condition exclusions when you apply during this time. Be aware that this window only lasts for 6 months after your Part B effective date.

Iowa Medigap plans are designed to give you maximum coverage for the costs that Medicare expects you to shoulder. These Medicare supplement policies provide seamless electronic billing as well. Your provider will bill Medicare and your Iowa Medicare Supplement at the same time, which means no claims paperwork for you to worry about.

Medicare Under 65 in Iowa

Iowa does not require Medicare supplement companies to offer Medigap plans to people under 65. Most insurance companies don’t, so Medicare Advantage plans are a good fit for people under 65.

Medicare Advantage Plans in Iowa

There are many insurance companies offering Medicare Advantage plans in Iowa. When you enroll in a Medicare Advantage plan, you will get your care from the plan’s network of providers. These private plans will pay instead of Medicare. However, they cover all the same Medicare Part A and B services.

Premiums are generally lower than Medigap, but you will have copays on the back end. You might spend $10 for a primary care doctor visit or $50 for a specialist. A hospital stay might cost a flat $250 or a certain amount per day. The cost of services varies based on the specific plan that you choose.

Many Medicare Advantage plans in Iowa include a Part D drug card already built-in. This means you will present the same insurance card at the doctor and at the pharmacy. Some Medicare Advantage plans in Iowa also include extras like vision exams or gym memberships.

Not all doctor participate in these plans so check with yours to see if they participate in the plan you want.

Compare Medicare Supplements in Iowa

Shopping for a Medicare supplement has never been easier. Our instant quote engine at The Benefit Link compares multiple carriers in your area to find the lowest rate. Our agency can also advise you on which insurance carriers have the longest history of low rate increases and great financial ratings. You can choose the best Iowa Medicare plan for your needs and budget.

To learn more about your options, call our toll free number at the top of this page. You can also contact us here online to request your free Medigap quotes. Here’s the link to our online contact form to get in touch with us about Medicare Supplement plans for Iowa.

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