Medicare in Iowa

InsureMeNow offers Comprehensive Overview and Details on Medicare Plans Options in Iowa

Iowa Medicare Plans

There were 605,872 Medicare beneficiaries in Iowa according to Centers for Medicare and Medicaid Services statistics of 2018.


There are four parts of Medicare: Part A, Part B, Part C, and Part D. Part A provides inpatient or hospital coverage, Part B provides outpatient or medical coverage, Part C offers an alternate way to receive Medicare benefits and Part D provides prescription drug coverage. The Federal government set up the Original Medicare program to provide health insurance to American citizens and permanent legal residents. Original Medicare is same in Iowa as in other U.S. states. Medicare Part C and Part D are available from private insurance companies approved by Medicare.

Medicare Advantage Plans or Part C

In Iowa around 21% of Medicare beneficiaries enrolled in Medicare Advantage plan in 2019. There are different Medicare Advantage plans available in 2019, however not every plan is available in each county so it is important for you to find Advantage plan available in your county. If you wish to enroll in medicare Part C in Iowa then you must first get enrolled in Original Medicare. You can enroll in Medicare Part C in Iowa during your Medicare Initial Enrollment period that starts three months before your 65th birthday include your birth month and continues for another three month. The major types of Medicare Advantage plans available in Iowa include:

  • Health Maintenance Organization (HMO)
  • Preferred Provider Organization PPO
  • Private Fee-For-Service (PFFS) plan
  • Special Needs Plan (SNP)

All these types of Medicare Advantage plans may not be available in your area so you can take help of trusted insurance adviser to help you compare different Advantage plans available in your area.

Medicare Part D in Iowa

Medicare Part D like in every other state is an optional prescription drug coverage in Iowa that is available through private insurance companies haing contract with Medicare. Medicare Part D coverage can be availed either through a Medicare Advantage Prescription Drug plan that provide Medicare Part A, Part B and Part D benefits in a single plan, though you need to pay monthly Medicare Part B premium along with the premium the plan may charge or through a stand-alone medicare Part D Prescription Drug plan that works alongside the Original Medicare coverage. Medicare Part D help you pay for everyday prescriptions and to enroll for a medicare Advantage Prescription Drug plan you must enroll in Medicare Part A and Part B and reside within the plan’s service area and to sign up for a stand-alone Medicare Part D Prescription Drug Plan you must be enrolled in Medicare Part A or Part B and live within the plan’s service area.

Medicare Supplement Plans or Medigap in Iowa

Medicare supplement plans in Iowa pay for many things that are are not included in the Original Medicare like hospital and outpatient deductibles. These plans also cover 20% outpatient coinsurance, which is not included in original Medicare and with these kind of coverage you can focus on your health and well being. In order to be eligible for these plans you need to be enrolled in both Medicare Part A and Part B. There are ten standard Medigap plans available in Iowa along with a high-deductible option. However, from the year 2020 there will be only 8 Medigap plans along with one new high deductible option because Medigap Plan F, Plan C and High Deductible Plan F are being discontinued and will not be available for the new enrollees after January 1,2020. Medigap plan has the same coverage irrespective of the insurance carrier so you can easily compare the price between different insurance companies. In Iowa Medigap Plan F is the most comprehensive plan, though after 2020 Plan G will be the most comprehensive. Medigap plans in Iowa are designed to provide you maximum coverage and these policies provide seamless electronic billing as well. Your insurance carrier will bill Medicare and then Medicare will bill your Medigap thus you do not have to carry out claims paperwork.

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