Best Medicare Supplement Plans in Iowa
Overall, Aetna offers the best Medicare Supplement plans in Iowa for most of our clients; they offer affordable monthly premiums, household discounts, fast underwriting, and few policyholder complaints. They also offer extras, such as dental & vision discounts. Also, consider Plan N from Mutual of Omaha if you want a good-value, low-cost option or the new popular High Deductible Plan G.
Cigna
Best High Deductible Plan G in Iowa: Cigna
- High Deductible Plan G: $42.82 per month
- Customer satisfaction: 4.8/5 stars
Plan highlights:
- Generous household discounts
- No annual benefit changes
- See any doctor that excepts Original Medicare
- Medigap Plan G is cheaper than Medicare Plan F.
- It covers everything Plan F covers except for Medicare Part B deductible.
Aetna
Best Plan G in Iowa: Aetna
- Plan G: $108.21 per month
- Plan N: $79.30 per month
- Customer satisfaction: 4.8/5 stars
Plan highlights:
- Generous household discounts
- Optional Prescription Drug Plans
- Optional Dental & Vision Insurance Plans
- No annual benefit changes
- See any doctor that excepts Original Medicare
- Medigap Plan G is cheaper than Medicare Plan F.
- It covers everything Plan F covers except for Medicare Part B deductible.
Mutual of Omaha
Best Plan N in Iowa: Mutual of Omaha
- Plan N: $77.24 per month
- Plan G: $111.41 per month
- Customer satisfaction: 98%
Helps cover:
- Coinsurance
- Part A deductible
- Foreign Travel
- Part B Excess Charges
- Emergency care
- Lower out-of-pocket expenses overall
- Medigap Plan N offers lower premiums than Medicare Plan G in return for paying more out-of-pocket.
- Has copayments: $20 office, $50 ER
Best Medicare Supplement Insurance Companies in Iowa
Aetna, Mutual of Omaha, and Cigna consistently rank high in terms of service, pricing, and AM Best financial ratings:
- Best Information: Aetna (A)
- Best Overall: Mutual of Omaha (A+)
- Best Discounts: Cigna (A)
Most popular Medicare Supplement Insurance plan types in Iowa
Each Medigap policy offers the same set of basic benefits. From there, plan options vary. Here’s an overview of the top four plans in Iowa.
Medicare Supplement Plan G: Best Comprehensive Coverage
- Medigap Plan G is cheaper than Medicare Plan F
- It covers everything Plan F covers except for Medicare Part B deductible
Medicare Supplement Plan N: Best Co-Pay Option
- Medigap Plan N offers lower premiums than Medicare Plan G in return for paying more out-of-pocket.
- Has copayments: $20 office, $50 ER
High-Deductible Medigap Plan G: Best For Lowest Cost
- Annual deductible
- High Deductible Plan G Has the Same coverage as a normal Plan G
- Very low premiums in return for greater cost-share
- Cheaper than High Deductible Plan F
In 2023, the deductible is $2,700. After the deductible is met, the plan will cover 100% of the costs.
Medicare Supplement Plan F: Best for Full Coverage
- Medigap Plan F covers everything: Part A deductible, Part A and B coinsurance, Part B deductible, hospice, skilled nursing care, foreign travel emergency, three pints of blood, and excess charges.
- Only open to Medicare beneficiaries who turned 65 before Jan. 1, 2020
How Much Does Medicare Supplement Insurance Cost in Iowa?
The average cost of a Medigap policy in Iowa is $137. The cost of a Medicare Supplement plan in Iowa varies based on age, demographics, insurance carrier, and zip code. Here’s what a 65-year-old female nonsmoker living in Dubuque (zip code 52001) might pay:
| Plan type | Premium Range |
|---|---|
| Plan F | $180.00 – $300.00 |
| Plan G | $117.00 – $220.00 |
| Plan N | $90.00 – $200.00 |
When Can I Apply for a Medicare Supplement Plan?
The effective date for applying for a Medicare Supplement plan in Iowa is the date that you meet two criteria:
- You’re age 65
- Enrolled in Part B Medicare
You have six months to enroll. You have specific rights during this six-month window, called your Medigap Open Enrollment Period. The insurer cannot:
- Refuse your application
- Deny coverage for pre-existing health conditions
- Impose waiting periods
Iowa Medicare Resources
| Related Topics: | |
|---|---|
| Aetna Medigap Plan G Cigna Medigap Plan G | Mutual of Omaha Plan G Medicare Supplements 2023 |
Ready to learn more?
My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers, such as Aetna, Cigna, and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.
