Speak with a licensed agent: 1-888-414-4547
Find Affordable Medigap Plans in Iowa

Talk to a Licensed Insurance Agent

(888) 414-4547

Best Medicare Supplement Plans in Iowa – F, G & N Benefits

If you’re about to be enrolled in Medicare Part A and Medicare Part B, it’s time to begin searching for the best Medicare Supplement insurance plans in Iowa. When you take time to compare various ways to maximize your Medicare benefits, you have a good chance to find the best Medicare supplement plan in Iowa for your unique needs. For example, you will want to find affordable premiums for a Medigap plan that will control the largest copayments, coinsurance, and deductibles found in Original Medicare insurance. With that in mind, learn more about the way Medigap policies work in Iowa.

Best Types of Medicare Supplement Plans in Iowa

For you, the best Medicare Supplement insurance plan in Iowa will be the one that helps you control healthcare costs for reasonable premiums. Some people would prefer to buy more expensive coverage to minimize unplanned expenses, but others would prefer to save some money on their monthly premiums and take the chance they may have to pay modest bills when they need healthcare services.

These are a few tips that can help you compare Medicare Supplement plans in Iowa:

  • As noted above, Plan F has proven to be the most popular of the Iowa Medigap plans. Out of ten standard Medigap plans in Iowa, Plan F offers the best benefits and typically costs the most. Even with higher rates, it’s attractive to people who would prefer to pay a manageable premium and know that they will seldom have to worry about out-of-pocket medical expenses.
  • Recently, more people have been opting for such Iowa Medigap plans as G and N because they have lower premiums and still provide broad coverage.

As you compare the coverage and rates of various Medigap plans in Iowa, remember that they won’t cover most prescriptions. You can buy a Medicare Part D drug plan from the Medicare insurance company that you purchased your Medigap plan from. You’re also free to shop around and purchase Part D from another insurance company.

Sometimes, your choice for the best Medicare Supplement insurance plan in Iowa won’t be the same as your preference for drug coverage. In any case, you will need to have a drug plan to get a prescription benefit and avoid possible penalties later.

Benefits of Medicare Supplement Plan F in Iowa:

Choose either a standard or high deductible plan with Medigap Plan F in Iowa. This Medicare Supplement plan provides the maximum allowable benefits that can supplement the federal Medicare program.

Those who don’t want to worry about unexpected out of pocket costs like comprehensive, robust Medicare plans. Medicare Supplement Plan F is the health plan for you if that’s what you’re looking for. This health insurance plan covers these things:

  • Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Medicare Part B excess charges
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

Medicare Plan F in Iowa is the same from one company to another, whether it’s United Healthcare or Blue Cross Blue Shield. This is also true with other Supplemental policies.

Benefits of Medicare Supplement Plan G in Iowa:

If you’re wondering if there are other Medicare Supplement plan options that offer robust benefits and coverage but that might be a little cheaper than Medicare Plan F, Medigap Plan G in Iowa is the plan you should be looking at. Other than the Medicare Part B deductible, it covers everything that Plan F covers. It’s more affordable, too, making it a great choice for the budget-conscious.

  • Does NOT cover Medicare Part B deductible

Benefits of Medicare Supplement Plan N in Iowa:

Those in Des Moines and elsewhere in Iowa who are looking for cheap coverage might not want to sign up for Medicare Plan F or Medicare Plan G. A plan that might fit your budget a bit better is Medigap Plan N in Iowa.

Of course, in exchange for cheaper monthly premiums, you will have to pay for some of your healthcare related costs for benefits used. If you don’t mind that, then Medicare Supplement Plan N might be best for you.

  • Does NOT cover Part B Deductible
  • Does NOT cover Excess Charges for Part B
  • Requires $20 copay for office visits
  • Requires $50 copay for emergency room visits

When to Enroll in Medicare Supplement Plans in Iowa

To enroll in Medicare Supplement plans in Iowa, you just need Part A and B of Original Medicare insurance. With that said, you can benefit from enrolling during a Guaranteed Enroll Period. During those times, the insurance company cannot charge a beneficiary higher rates or decline them for suffering from a pre-existing medical condition. At other times, a Medicare insurance company will still accept relatively applicants; however, it’s possible to avoid health underwriting by timing enrollment well.

These tips should help you time your enrollment for Iowa Medicare Supplement insurance plans:

  • The Initial Enrollment Period lasts for about six months, and this starts shortly before you first qualify for Original Medicare insurance.
  • You could still qualify for another Medigap Open Enrollment Period if you lose prior coverage because of a job loss, a move, and so on.

To be sure you get the most competitive premium rates and acceptance into your choice of Medicare Supplement plans in Iowa, it’s best to take advantage of these guaranteed enrollment times. Again, you still may get accepted for Medicare Supplement insurance plans at other times, but you won’t have a guarantee.

The Open Enrollment Period is a good time to shop for a prescription drug plan in the form of Medicare Part D, too.

Medicare Supplement Plans in Iowa: Enrollment Data

It’s natural to wonder what other Medicare beneficiaries in the state do with their Medicare benefits. It might first help to look at some facts about Iowa Medicare and Medigap policies:

  • Close to half a million Iowa residents are enrolled in Medicare Part A and Part B.
  • Just about half of all Medicare beneficiaries buy Medicare Supplement insurance plans in Iowa.
  • Traditionally, Plan F has been the most popular of the Medigap plans in Iowa.
  • The five largest Iowa counties include Polk, Linn, Scott, Johnson, and Black Hawk.
  • There are 10 lettered Iowa Medicare Supplement plans that you can choose from, starting with Plan A.

Resources for Iowa Medicare and Medigap

If you struggle to pay your premium rates for drug or health coverage, or if you need more information about Medicare, these resources may help you:

In addition, you’re always welcome to call our insurance agents to talk more about your options. Our phone number is listed right here on our website and is a great resource for more information about Medicare Supplement insurance, Medicare Advantage plans and more.

Related Topics for Comparing Medicare Supplement Companies and Plans in Iowa

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as AetnaCigna 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 or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Need Help?

Call to speak with a licensed insurance agent now.

(888) 414-4547