Iowa Medicare Plans

Iowa Medicare plans provide excellent coverage, but many individuals opt for Medicare Supplements or Medicare Advantage plans to address additional costs and enjoy greater flexibility.

Medicare Supplement plans help cover expenses such as deductibles, copays, and coinsurance that Original Medicare doesn’t, potentially saving you thousands of dollars. They also offer the freedom to visit any doctor who accepts Medicare.

Iowa Medicare plans open enrollment

In Iowa, individuals become eligible for Medicare at age 65. The initial enrollment period starts three months before your birth month and extends three months after. During this time, you can also apply for Medicare Supplement plans.

While you can apply for a Medicare Supplement plan at any time, the initial enrollment period is the optimal time to do so, as you cannot be denied coverage based on your health during this window.

Medigap Plans

Medicare Supplement plans in Iowa help cover some or all of the deductibles and coinsurance that Original Medicare doesn’t pay. This can save you thousands of dollars, as Original Medicare covers only about 80% of outpatient expenses and has no cap on out-of-pocket costs. A Medicare Supplement plan sets a limit on your out-of-pocket spending.

One notable benefit is that you’re not restricted to provider networks—you can visit any doctor who accepts Medicare.

There are 10 standardized Medicare Supplement plans, labeled A through N. All plans with the same letter provide identical coverage, regardless of the provider, with the only difference being price. To ensure you’re getting the best value, it’s important to compare rates. Or let us handle the comparison for you, saving you both time and money.

As of the end of 2019, new Medicare enrollees in Iowa are no longer able to select Medigap Plans C or F. However, beneficiaries already enrolled in these plans can keep their coverage. Since these plans are standardized by the federal government, price is the only variable. Make sure someone is shopping your policy to help you secure the best deal.

IOWA MEDICARE SUPPLEMENTS

Medicare Advantage plans

Iowa offers up to 20 Medicare Advantage plans, depending on your county, with all but one county providing access to these plans. Known as Medicare Part C, Medicare Advantage plans are private Medicare options that include all the benefits of Original Medicare while offering additional features such as dental, vision, and prescription drug coverage.

Medicare Part D

Original Medicare and Medicare Supplement plans do not include prescription drug coverage, but you can enroll in Medicare Part D for this benefit. In 2019, Iowa offered 28 Part D plans. To avoid paying out-of-pocket for prescriptions, consider enrolling in a standalone Part D plan or a Medicare Advantage plan that includes drug coverage.

How we can help

Our licensed Medicare plan specialists are here to help you at no cost. We take pride in assisting you in finding a plan that best suits your needs. Since Medicare Supplement plans are legally required to provide standardized coverage, the only difference between them is price. We’ll compare policies to ensure you get the lowest rate.

Take advantage of our free services to feel confident that you’re getting the best value for your healthcare coverage.

Want more help understanding

IOWA MEDICARE PLANS

We’re here to help you better understand your Medicare benefits, including Medicare supplements, Medicare Advantage plans, and prescription drug coverage. Learning about these options can help you lower your out-of-pocket healthcare costs that Medicare doesn’t cover.

To make things easier, we’ve put together a comprehensive library of resources for you to explore. When you’re ready, give us a call, and one of our licensed agents will discuss your specific needs, compare available plans in your area, and guide you toward the best choice.

If you decide to enroll through us, our support doesn’t stop there. We’ll continue assisting you throughout your Medicare journey—reviewing your plans each year to ensure they remain the best fit and answering any questions you may have along the way.

We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options.

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