Iowa Medicare: Medicare Advantage Plans in Iowa (IA)

Medicare Advantage Plans in Iowa

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How Do Medicare Advantage Plans in Iowa Work?

If you’re an Iowa resident approaching age 65, you’ve probably begun thinking about signing up for Medicare. Medicare can be complicated, and it can be difficult to know what coverage you’ll need now and down the road. As a result, it’s good for you to learn more about Iowa Medicare Advantage plans as an option for your healthcare coverage.

If a spouse, partner or friend has already gone through the process of enrolling in Medicare, you may already know that Medicare Part C and Medicare Advantage (MA) plans are the same thing. Part C/Medicare Advantage plans offer Iowa residents a way to receive hospital coverage from Medicare Part A and insurance for doctor’s office and medical visits covered by Medicare Part B. Private insurance companies offer the widely available MA programs throughout Iowa. These plans are Medicare-approved, offer at least the same level of coverage as Medicare Parts A and B and often include additional benefits.

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How Do I Know If I’m Eligible for Medicare Advantage Plan in Iowa?

The good news is if you’re eligible for Medicare Parts A and B, you’re also eligible for a Part C, assuming you reside in an area where Medicare Advantage plans are sold. Copayments, coinsurance and deductibles vary depending upon the Medicare Advantage plan in which you enroll.

Iowa residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance plan at the same time. A Medicare Supplement plan (Medigap) helps cover some of the gaps in coverage such as copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Are Prescription Drugs Covered by Medicare Advantage Plans in Iowa?

Iowa residents who need prescription drug coverage should consider a Medicare Part C plan, as some Medicare Advantage plans may include a Medicare Prescription Drug plan. A Medicare Advantage Plan with prescription drug coverage is called a MAPD plan and provides coverage for prescription drug costs.

Most Popular Medicare Advantage Plans in Iowa

Finding the right Medicare Advantage plan in Iowa is as unique as every other aspect of you. Among Iowa residents who are enrolled in a Medicare Advantage plan, 52% choose a Local PPO and 48% choose an HMO/HMOPOS plan, as reported by the Centers for Medicare & Medicare Services (CMS.gov). Knowing how much Medicare plan coverage you need will help determine the right Iowa Medicare Advantage Plan for you.

You can become more informed about the Medicare Advantage plans available in Iowa by contacting a SelectQuote licensed insurance agent to guide you through the Medicare maze. Acting as your advocate, our licensed insurance agents help you weigh the Medicare Advantage plan options in your area, understand costs and answer questions throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you find the right plan for your needs.

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Iowa Medicare Advantage Plan Enrollment Period

Enrollment in a Medicare Advantage plan occurs during specified enrollment periods. Medicare enrollment in Iowa opens for residents prior to turning age 65 or earlier in special disability cases. Medicare enrollment in California opens for residents prior to turning age 65 or earlier in special disability cases. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends three months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re an Iowa resident who celebrates a March birthday, your IEP runs from December to June.

You may also enroll in a Medicare Advantage plan during the Medicare Annual Enrollment Period, which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, Iowa residents can:

Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
Change from one Medicare Advantage Plan to another
Switch from one Prescription Drug (Part D) plan to another
Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, Massachusetts residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is an Iowa Medicare Advantage Plan Right for You?

SelectQuote can help you make sure you’re getting all available benefits while staying up to date with annual changes to Medicare plans made by insurance companies. As a trusted independent third-party company, SelectQuote can help Iowa residents find the right Medicare Advantage plan to meet individual needs.

To ensure you are getting all the benefits you need, call or complete your online form today. Let SelectQuote’s experienced licensed insurance agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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