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Medicare Part D in Iowa


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Are you a Medicare beneficiary in Iowa? If you need prescription drug coverage, you might want to learn about Medicare Part D in Iowa.

How many people have Medicare Part D in Iowa?

The Centers for Medicare & Medicaid Services (CMS) reports that over 600,000 Iowans were enrolled in Medicare as of 2018. Some Iowa residents are enrolled in Medicare Part D prescription drug coverage. Of those people, CMS estimates that 75% could find a Medicare Prescription Drug Plan in Iowa with a lower premium.

Chances are you, too, can sign up for coverage under Medicare Part D in Iowa. Here are the facts and how to enroll.

What’s Medicare Part D in Iowa?

Medicare Part D in Iowa, as in every state, is optional prescription drug coverage. It’s available through private insurance companies that contract with Medicare.

You can get Part D coverage in Iowa (or any state) in two different ways.

  • Through a Medicare Advantage Prescription Drug plan, which would give you your Medicare Part A, Part B, and Part D benefits in a single plan. You still need to pay your monthly Medicare Part B premium, plus any premium the plan may charge.
  • Through a stand-alone Medicare Part D Prescription Drug Plan that works alongside your Original Medicare coverage

You generally can’t get Medicare prescription drug coverage through both these options at once.

Why would you need Medicare Part D in Iowa?

If you take prescriptions at home, you need to be aware that Original Medicare (Part A and Part B) probably won’t cover them. Medications given to you to treat your health condition while you’re a hospital inpatient are usually covered under Part A. Prescription drugs administered to you in an outpatient setting, like a clinic, may be covered under Part B.

But to help pay for your everyday prescriptions, you can sign up for a Medicare Prescription Drug Plan in Iowa.

  • To sign up for a Medicare Advantage Prescription Drug plan, you must be enrolled in Medicare Part A and Part B, and live within the plan’s service area.
  • To sign up for a stand-alone Medicare Part D Prescription Drug Plan, you must be enrolled in Medicare Part A and/or Part B, and live within the plan’s service area.

Please note that every plan has its own formulary (list of covered medications). It’s important to make sure a plan covers your medications before you sign up. The formulary may change at any time. You will receive notice from your plan when necessary.

You can start comparing plans right now if you enter your ZIP code in the box on this page, with no obligation. You can even enter your medications to find out if a plan covers them.

When can I sign up for Medicare Part D in Iowa?

There are certain time periods when you can sign up for Medicare Part D in Iowa, whether you decide on a stand-alone Medicare Part D Prescription Drug Plan or a Medicare Advantage Prescription Drug plan.

When you’re first eligible for Medicare, you can sign up for a Medicare Prescription Drug Plan at the same time that you enroll in Medicare. Just remember that if you decide not to enroll in Medicare Part B, you can’t enroll in a Medicare Advantage plan. You could still sign up for a stand-alone Medicare Part D Prescription Drug Plan in Iowa.

Another time you can sign up for coverage under Medicare Part D in Iowa is during the Annual Election Period (October 15 – December 7).  You can also switch plans, drop plans, and more during that time. Read more about the Annual Election Period.

If you lose your prescription drug coverage, or you meet certain criteria, you might be eligible for a Special Election Period to enroll in a Medicare Prescription Drug Plan in Iowa.

The formulary may change at any time. You will receive notice when necessary.

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 co-payments/co-insurance may change on January 1 of each year.

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