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Medicare Advantage Plans in Iowa


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You might know that Iowa is a good place to grow corn. In fact, according to the Iowa Corn Promotion Board, Iowa is the best place on the planet to grow corn and Iowa produces over 2 billion of bushels of corn in a year. What you might not know is that Iowa is also home to over 605,000 Medicare beneficiaries, according to the Centers for Medicare and Medicaid Services in 2018. Over 120,000 of these Medicare beneficiaries are enrolled in a Medicare Advantage or another health plan.

What is Medicare Advantage in Iowa?

Medicare Advantage in Iowa is an alternative way to get your Medicare Part A and Part B benefits. Medicare Advantage plans often also include prescription drug coverage, also known as Medicare Part D. That means with Medicare Advantage in Iowa you can get hospital, medical, and prescription drug coverage all under one plan. Medicare Advantage plans in Iowa are offered by private companies regulated by Medicare.

Medicare Advantage plans in Iowa are allowed to offer coverage beyond what Original Medicare offers, but no less coverage than what Original Medicare offers. If you have a Medicare Advantage plan, the only thing still covered by Original Medicare is hospice care, which is covered by Part A.

Medicare Advantage plans in Iowa often provide extra benefits such as:

  • Routine dental
  • Routine vision
  • Routine hearing

What does Medicare Advantage in Iowa cost?

The costs of Medicare Advantage plans in Iowa can vary. Examples of costs include:

  • Premium: the amount you may pay monthly to have the plan. Some Medicare Advantage plans in Iowa may offer a monthly premium as low as $0, although you still have to pay your Medicare Part B premium.
  • Deductible: the amount you pay before the plan begins to pay. Some Medicare Advantage plans in Iowa may offer $0 deductibles.
  • Coinsurance or Copayment: The amount you pay when you receive a service, such as a doctor visit or outpatient surgery. Coinsurance is a percentage (e.g. 10%) and copayment is a set dollar amount (e.g. $15). Some Medicare Advantage plans offer $0 copayments and coinsurance for certain services.

Another thing to consider with a Medicare Advantage plan is the

  • Out-of-pocket maximum: this is the maximum you pay out of pocket for covered services within a benefit period. Plans can have different out of pocket maximums, but Medicare establishes an out-of-pocket cap for all plans.

The amount you pay for your Medicare Advantage plan in Iowa can depend on how much you use medical services. In order to determine what the least expensive plan is for you, consider all the cost factors mentioned above. If you consider just one cost factor, for example, monthly premium, you may not end up with the least expensive plan in the long run.

How do I enroll in Medicare Advantage in Iowa?

There are 31 Medicare Advantage plans available in Iowa in 2018, according to the Centers for Medicare and Medicaid Services (CMS). Not all plans may available in all areas. In fact, 3% of Medicare beneficiaries in Iowa do not have access to a Medicare Advantage plan.

To be eligible to enroll in a Medicare Advantage plan in Iowa, you must

  • Be enrolled in both Medicare Part A and Part B
  • Live in the plan’s service area
  • Not have end-stage renal disease (ESRD).

You may enroll in or switch plans during your Initial Coverage Election Period (ICEP), which begins three months before you become eligible for Medicare and lasts for a total of seven months

You may also enroll during the Annual Election Period (AEP), which occurs from October 15 to December 7 of each year.

Qualifying beneficiaries may also have the option of enrolling during a Special Election Period as well. Some circumstances where you may get a Special Election Period are if you change where you live or if you lose your current coverage.

You can start comparing Medicare Advantage plan options in Iowa today. Simply enter your zip code where indicated on this page, and we will display a customized list of plan options available to you.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply.

Benefits, premiums and/or copayments/co-insurance may change on January 1 of each year.

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