Iowa
The key to any good health insurance is peace of mind, knowing you have what you need when you need it so you don’t have to worry about burdening your family should a health crisis arise. Medicare Supplement plans in Iowa help to fill in those gaps of coverage from Original Medicare. And, since many doctors accept Medicare, you can experience the freedom to work with qualified and experienced healthcare professionals to get the care you need.
Additional costs not covered by Original Medicare include things like deductibles, copays, coinsurance, and other expenses that could range in the thousands of dollars.
Iowa Medicare Supplement Plans and Enrollment Rules
Medicare Supplement plans in Iowa are sometimes referred to as Iowa Medigap plans and in order to be eligible for one of these plans, you must be enrolled in both Medicare Part A and Part B.
In the state of Iowa, there are 8 standard Medigap supplements to choose from plus one high-deductible option. Each standardized plan has a letter and they range from Plan A through Plan N. In Iowa, the most comprehensive plan is Plan G.
An important consideration when comparing plans, is knowing that each Medigap Plan has the same coverage no matter which company from which you purchase. Therefore, you can easily compare prices between carriers without worrying about losing benefits or getting confused by what is included.
Medicare beneficiaries in Iowa are eligible at age 65 and initial enrollment begins three months before your birth month. Enrollment period then continues for six months, ending three months after your birth month. You can also apply for Medicare Supplements during this initial enrollment period.
This initial enrollment period is the perfect opportunity to choose your Medicare Supplement plan because you cannot be turned down due to any existing health concerns. You can still enroll in a Medicare Supplement plan after the initial enrollment period, however you may not be able to get the coverage you want.
Iowa Medigap Plans
Health costs across the board continue to increase, and Medicare only covers 80% of your outpatient expenses. Adding a Medigap plan could help save you thousands of dollars by helping cover things like deductibles and coinsurance left over by Original Medicare. Also, Original Medicare does not have any limits on out-of-pocket costs! A good supplemental plan can put a cap on your out-of-pocket responsibilities.
Iowa Medigap plans are designed to give you maximum coverage for the costs that Medicare doesn’t pay. And, most Iowa Medigap policies offer seamless electronic billing! What that means, is your healthcare provider will bill Medicare, and then Medicare will bill your Iowa Medicare Supplement! As a result, you won’t have claims paperwork to worry about!
Iowa Medicare Advantage Plans
In Iowa, you can choose from about 20 different Medicare Advantage plans, depending on which county in which you live. Medicare Advantage is a private Medicare plan that provides additional benefits like dental, prescription drugs, vision coverage, and in some cases even gym memberships!
Not all doctors participate in these plans, so check with your doctor to see if they participate in the plan you are considering.
Iowa Medicare Part D
Not only are the costs of healthcare on the rise, the costs of prescription medications also are increasing and the difference between good coverage and little or no coverage could make a significant difference in the burden your prescriptions may cause.
To ensure you have coverage for your prescription drugs, you have the option to enroll in either a Medicare Advantage plan that covers this important expense, or you can enroll in a standalone Medicare Part D plan. Iowa has about 28 Part D plans to help avoid paying out-of-pocket for your prescriptions.
Our Commitment to You
With so many options available, choosing the right plans for your needs can seem overwhelming and confusing. Our licensed Iowa Medicare specialists are available to to help you not only navigate the options, but also find the best prices so you don’t have to worry.
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