Iowa Medicare Supplement Plans

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Beneficiaries can enroll in Medicare Supplements plans in Iowa at any time. However, depending on eligibility, medical underwriting could be mandatory.

Iowa Medigap plans provide beneficiaries with more extensive coverage than Medicare alone does. Below, we’ll explain all your supplemental Medicare options.

Guide to Iowa Medicare Supplement Plans in 2020

Imagine Jane has diabetes and no additional Medicare insurance. Well, Jane needs to see her specialist every 4 months as well as obtain her diabetes supplies and medications.

Part B covers specialists; Jane will pay her $198 deductible and then pay 20% of remaining costs.

Diabetic supplies can be a trickier bill to understand. Traditional Medicare covers Part B diabetic services and medications require a Part D policy.

Part B will cover supplies used with equipment; such as blood sugar test strips, lancets, and lancet devices. Jane pays 20% of the remaining expenses after her deductible.

If Jane has a diabetic complication that lands her in the hospital for 4 days; then, she needs to pay the $1,408 Part A deductible and 20% of the remaining inpatient hospital costs.

Jane could easily be responsible for ten thousand dollars during any given year. However, we helped Jane chose an Iowa Plan G. Now, she only pays the Part B deductible and monthly plan premium.

Jane lowered her prescription costs by enrolling in a Part D policy.

Iowa Medicare Supplement Plan Eligibility

Talking to an agent about the policy in consideration will be the easiest way to obtain affordable coverage.

Every Medicare beneficiary will have Guaranteed Issue rights at 65, once Part B is going into effect. This is also known as the Medigap Open Enrollment Period, this period only lasts for 6-months.

The Guaranteed Issue Period provides beneficiaries with an opportunity to enroll without worrying about denial.

To apply for a supplement you must enroll in Original Medicare, be over 65 and a state resident. If you’re not eligible for Medigap then consider looking into Advantage coverage options in your location.

If an employer group plan has a reduction in benefits, that beneficiary can enroll in a Medigap policy with GI rights.

Eligibility for Under 65 and Disabled

The government isn’t requiring Iowa Insurance companies to offer Medigap coverage to beneficiaries under 65. Those with Medicare because of disability will pay the same premium no matter the age.

Those with a disability will be eligible for OEP at age 65. Beneficiaries under 65 should consider enrolling in an Advantage plan until 65.

Those with End-Stage-Renal Disease (ESRD) under 65 will be limited to plan options; although, Special Need Plans are available in certain areas.

Contacting an insurance agent, licensed in your state will make enrollment easy!


Enrolling in a Medigap policy is as simple as having a conversation with a licensed agent.

Insurance agents are familiar with each companies website and rating method. However, you could spend hours trying to find an accurate quote with little to no luck.

Save yourself the hard work and let an agent walk you through the enrollment process. The services provided are free, and can everything can be done over the phone.

Act now by enrolling in coverage while you still can; you’ll never be as young and healthy as you are right now!


The Iowa SHIIP estimates quote rates from each insurance company in the state.

Paying your monthly plan premium ensures that coverage remains in place, the insurance company can’t cancel an active policy. However, if you lose coverage because of non-payment getting coverage will be difficult.

Insurance premiums are based on individual age; premium increases occur because of age, not because of the number of healthier policyholders.

Applying for coverage outside OEP could result in higher premiums and a waiting period for those with pre-existing conditions. However, certain situations outside OEP will give beneficiaries Guarantee Issue rights.

Best Medicare Supplement Plans in Iowa

Plan G is becoming the most popular policy; by paying your own deductible you can save more money than you’d spend in premiums on Plan F.

Plan N offers beneficiaries even more monthly savings; however, beneficiaries are responsible for more out of pocket expenses.

Beneficiaries with most Medigap insurance policies have foreign travel emergency coverage and skilled nursing copayment coverage. All Medigap policies cover basic benefits found in Plan A.

Medicare Advantage Plans in Iowa

Medicare Advantage in IowaGiving up a retiree plan for Advantage coverage could make you ineligible for the retiree plan in the future. Advantage plans replace Medicare; the private insurance company will handle your claims and decide policy rules.

In 2019, 21% of beneficiaries enrolled in a Medicare Advantage plan. Each county will have different policies available. Medicare Advantage requires checking doctor networks, copayment requirements, and understanding prior authorization services.

Medicare Advantage coverage provides further benefits than Original Medicare; however, Medigap is designed to go with Medicare, not replace it entirely.

You can’t have a Medicare Advantage plan AND a Medigap policy; however, you can have Medigap and Part D coverage.

Enrolling in an Advantage plan means Medicare won’t pay your healthcare claims, that becomes the plan’s responsibility.

Medicare Part D Iowa

Iowa Medicare Part D Prescription Drug PlansPrescription coverage varies from county to county.

Every policy has a specific formulary, choose the policy that covers your prescriptions.

Enrolling in mail-order medications could save you money.

Those with specific pharmacy requests need to ensure the pharmacy is covered by the Part D company.

Some prescription policies offer additional benefits, such as over the counter supplies.

How to Apply for Medicare Supplement Plans in Iowa

More information about coverage available to you, call the number on our site where a licensed agent in your state will be available to assist you now. These agents understand HOW insurance companies underwrite, get the coverage you need easily!

Applying for Medicare Supplement coverage is easy, especially with the help of a licensed agent. Save time and money by calling us today!

You can compare rates online using the online rate form!

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