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Find The Best Medicare Plans in Iowa

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Best Medicare Plans in Iowa

If you just turned 65 or will in the near future, now is a good time to learn about some of the best Medicare plans in Iowa. Beneficiaries in Iowa are privileged to receive the many benefits that Medicare plans in Iowa afford you. First, you will have Iowa Medicare benefits under your Medicare Part A coverage that pays a portion of your hospital costs. Second, Medicare Part B coverage offers you your health insurance. You may even be able to receive coverage for your prescription medications. The important thing to remember is that you need to enroll in Medicare in Iowa as soon as you can to avoid paying a penalty.

Another reason that you would be forced to pay a penalty is if you fail to enroll in the Medicare prescription drug program during the Initial Medicare Enrollment Period. This period begins three months before the month that you turn 65 and ends three months after the month that you turned 65. Failing to purchase prescription drug coverage before then will result in a Medicare Part D late enrollment penalty.

Enrollment Statistics for Medicare in Iowa

In 2018, 492,933 Iowa beneficiaries enrolled in Original Medicare Part A and Medicare Part B.

Best Types of Medicare Plans in Iowa

Medicare beneficiaries enjoy some benefits from having Medicare coverage alone. Medicare Part A helps cover hospital costs and some costs in a skilled nursing facility or hospice care center. Medicare Part B helps reduce some out-of-pocket costs for health care at the doctor’s office. However, even though Medicare does pay for some health care expenses, many don’t want Medicare alone for stand-alone coverage. Instead, it’s smart to look at the plan options that are available in Des Moines and other cities and towns in Iowa so that you’ll have extra coverage.

Iowa Medicare insurance offers the following:

  • Medicare Supplemental Plans in Iowa: Medicare Supplement plans also go by the name of “Medigap plans,” and they pay a portion of the bills you will receive for your Original Medicare insurance or Part B. You might even be able to obtain a Medigap plan that also takes care of some of your Part A costs. There are 10 plans to choose from, starting with Plan A — which is basic coverage — and ending in Plan N. Plan F has the highest monthly premium for Medicare Supplement insurance but also offers the most coverage. You don’t have to worry about sticking to a certain network or service area with a Supplement plan.
  • Medicare Advantage Plans in Iowa: Private insurance companies offer these plans. They are also known as “Medicare Part C,” and they come from companies that have a contract with Medicare in Iowa. If you choose to purchase one of these plans, you will receive your Medicare Part A and Part B benefits from the private insurance company rather than Medicare. The advantage associated with these Medicare plans in Iowa is the fact that you may receive hearing, vision, dental, and health and wellness benefits that you will not receive from Iowa Medicare insurance.
  • Medicare Prescription Drug Plans: Medicare prescription drug plans are also known as “Medicare Part D,” and you can receive these benefits in two different ways. Iowa beneficiaries can select a prescription drug plan, or you can choose a Medicare Part C plan through an HMO or a PPO that offers prescription drug coverage.
  • Special Needs Plans: Special Needs Plans are like Medicare Advantage, but they are only open to you if you have been diagnosed with a particular disease (such as end-stage renal disease) or are disabled. These Medicare plans in Iowa are perfect for people in the category described above because your plans will be tailored specifically to address the conditions that you have. For example, these plans will be designed to provide coverage for the specific doctors that you need to see. They will also pay for the drugs that you are taking.

Medigap plans are supplemental, so beneficiaries in Iowa must purchase them from a private insurance company. This is good news because you have the opportunity to compare the rates of several Medicare plans in Iowa. The insurance companies will offer you very different rates for the exact same policies, so it is advantageous to you to compare rates to find the best policy. The best policy is the one that offers you the most Iowa Medicare benefits for the lowest price. Remember that there can only be one beneficiary of a Medigap plan; you and your spouse will have to purchase separate policies.

In the event that you have decided that you want a Medicare Advantage plan, you will also purchase this from a private insurance company. As with any other health plan, you will be required to pay deductibles, copayments, coinsurance and premiums. In this case as in the one above, you can compare rates to find the most advantageous policies.

Medicare in Iowa Resources

If you need further information on Medicare in Iowa, beneficiaries of Original Medicare insurance and Medicare Advantage may click on the following link to learn more about how you can receive help from your state paying the costs of your insurance:

Medicare Savings Programs

These resources can also help you get a complete description of Medicare Parts A and B, can provide you with information about the Medicare Part B premium and can otherwise give you extra help with understanding and signing up for the federal Medicare program:


CMS: Centers for Medicare and Medicaid Services

You can also call our phone number when looking for more information about your options. We have insurance agents who you can talk to about your options without calling each individual insurance agency. Then, you can compare all of your Medicare coverage options at one time and make the best choice for your individual situation.

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