Life Insurance Plans Central Iowa – Medicare is a federal program that provides health care to Iowans age 65 and older and certain younger people with qualifying disabilities. They also have the option of improving their health coverage through Medicare Advantage, sometimes called Medicare Part C. Medicare Advantage (MA) plans work similarly to original Medicare, but often offer more comprehensive coverage. Medicare Advantage plans are administered by private insurance companies contracted by the Medicare and Medicaid Services and regulated by the government.
Medicare Advantage provides hospital and medical insurance through Medicare Part A (Hospitalization) and Part B (General Health Care), similar to traditional Medicare. But original Medicare Part D does not include prescription drug coverage, so beneficiaries must purchase this coverage separately. Most Medicare Advantage plans include drug coverage as part of their benefits. MA plans may also offer dental and vision plans and other services that recipients cannot get with traditional Medicare.
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Iowa Medicare beneficiaries who choose Medicare Advantage are a smaller group than the national average. In 2020, about 24% of Medicare beneficiaries in Iowa chose MA plans, compared to a national average of 38%. By 2021, the number of users participating in MA plans has increased to 27%. About 645,000 residents will be enrolled in Medicare in Iowa in 2022, with 61 Medicare Advantage plans available to 97% of enrollees.
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There are many types of Medicare Advantage plans available in most states. However, plan offerings vary by county, so consumers should check what types are offered in their area. Below is a breakdown of the top 10 Medicare Advantage providers in Iowa based on their total enrollment. Enrollment numbers for all plans are combined to create a total per provider. The chart also provides a price range based on the lowest and highest price plan for each provider. Information for each plan is correct as of April 2022, but costs are subject to change. Seniors can go to Medicare.gov to get the latest information about available plans.
Seniors switching to Medicare Advantage plans may have lower out-of-pocket costs than original Medicare, but they typically must use doctors and health care providers in the plan’s network. Consumers have different Medicare Advantage plans from different insurance providers to compare. The two primary types of Medicare Advantage plans in Iowa include health maintenance organization (HMO) plans and preferred provider organization (PPO) plans.
Consumers may also find some private fee for service plans (PFFS) and special needs plans (SNP) in some parts of the state. The explanations below will help seniors better understand their options.
MA plans can vary widely in price and coverage options, giving consumers more flexibility. Because they are all-in-one solutions, Medicare Advantage plans offer Medicare Part Ahospital and Medicare Part B health insurance along with other types of coverage not provided by Original Medicare.
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Most MA plans include prescription drug coverage, which was not an option under Original Medicare. They also often offer many additional benefits, such as vision care, hearing aids, wellness programs, and dental care.
Iowa seniors who want to enroll in a Medicare Advantage plan must enroll in Medicare Part A and Part B before switching. I cannot enroll in Medigap (Medicare supplement coverage), which cannot be used in conjunction with MA plans.
Standard eligibility requirements for traditional Medicare still apply with Medicare Advantage. Therefore, applicants must be 65 years of age or older or have a qualifying disability if younger. All applicants must be United States citizens or authorized immigrants.
Eligibility may vary by plan type. While HMO and JPO generally do not have any special requirements other than general requirements, NPŠ always have additional conditions because they are intended for users with certain special needs.
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All plans require the user to reside in the area covered by the specific plan. Service areas often vary by county. Users are also required to enroll at a certain time of the year during open enrollment, the schedule of which can be found below. There are also some special enrollment periods that individuals may qualify for.
In addition, Medicare Advantage plan participants can change their plan outside of these enrollment periods under certain qualifying circumstances, such as moving to a new state.
Navigating the many complexities of the specific plan options available across Medicare Advantage plan types, insurers, and regions can be a difficult and time-consuming task. Below are some resources we’ve created to help you through the process.
The first is a downloadable PDF that you can use as a guide to help you compare plans as you research. Finally, we’ve listed a few organizations you can consult with experts to help you decide if Medicare Advantage is right for you and which plans you should consider.
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Senior Information Program (SHIIP) – Senior Medicare Patrol (SMP) is an Iowa health insurance program that provides dedicated information to seniors seeking help about Medicare and other health insurance topics. One of the key aspects of what SHIIP-SMP offers is counseling seniors regarding their Medicare options. This program allows seniors to ask questions, get information and compare Medicare Advantage and Original Medicare plans with the help of a highly trained and impartial professional health care advisor. The site also contains valuable information seniors can use when making Medicare decisions, including Medicare myths and testimonials about how the SHIIP-SMP program has helped others. Welcome to Medicare in-person seminars are also held periodically throughout the state. All seniors using Medicare and those who want information about their Medicare options who are about to turn 65 can take advantage of the services offered by SHIIP-SMP.
The Iowa Department on Aging is the branch of state government that supports the needs of all older Iowans. Here, seniors can find information, services and events about aging resources across the state. This includes Medicare support and helping seniors make educated decisions. The Department on Aging sponsors Lifelong Links, a program that connects seniors with resources in their local area, including five state agencies on aging. These organizations provide access to local resources as well as programs and services at the state level.
Aging Resources of Central Iowa is a senior living agency serving Boone, Dallas, Jasper, Madison, Marion, Polk, Story and Warren counties. Seniors living in the area can access many free resources through this organization, including a hotline for information and help. Highly trained benefits specialists are available Monday through Friday from 8:00 AM to 4:30 PM via the Helpline to answer questions about Medicare and other health and aging services available in Central Iowa. All seniors living in the agency’s service area and their families or caregivers have free access to services provided by Aging Resources of Central Iowa.
Seniors can contact Aging Resources of Central Iowa at 515-255-1310 or 800-747-5352. The Helpline can be reached by calling 515-255-1310 or by email at [email protected].
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Eastern Iowa’s premier county agency on aging serving seniors in Appanoose, Clinton, Davis, Des Moines, Henry, Jefferson, Keokuk, Lee, Louisa, Lucas, Mahaska, Monroe, Muscatine, Scott, Van Buren and counties. Wapello and Wayne. Through Milestones, seniors have access to health care resources and more. This includes receiving comprehensive information about Medicare plans and policies through telephone counseling and in-person meetings at the Davenport and Ottumwa offices. Free and confidential, this support service allows seniors to get answers to their Medicare questions, compare plans and make educated decisions. Eastern Iowa seniors have full access to all Milestone programs. Older people living outside the local area can access certain support options.
Milestones can be reached by calling 855-410-6222 or 319-752-5433 for the Burlington office, 563-324-9085 for the Davenport office and 641-682-2270 for the Ottumwa office. Emails can be sent through the contact page on the agency’s website.
The Northeast Iowa Agency on Aging, or NEI3A, serves Allamakee, Black Hawk, Bremer, Buchanan, Butler, Chickasaw, Clayton, Delaware, Dubuque, Fayette, Grundy, Hardin, Howard, Jackson, Marshall, Poweshik, Tama and Winesick counties. . By supporting independent seniors, caregivers and people with disabilities, NEI3A can connect deserving individuals with a variety of resources throughout the region. Medicare counseling provides free, confidential and unbiased information to help eligible seniors make informed decisions. Through this service, seniors can ask questions, clarify plan details and compare Medicare Advantage plans.
Seniors living in one of the counties served can call 800-779-8707 or fill out an information request form on the organization’s website.
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One of the nation’s largest regional agencies on aging, Elderbridge serves 29 counties in north central, northwest and central Iowa. The organization is dedicated to providing trusted information that empowers seniors with resources for everything from health care to fitness. Medicare support services through Eldercare are extensive, including a Benefit Enrollment Center that facilitates enrollment in select plans, as well as the Medicare Savings Program. The Iowa Medicare Senior Patrol is also a valuable service that helps seniors understand their plan options and learn about the signs of Medicare abuse and fraud. In addition, ElderCare offers comprehensive, free Medicare counseling, empowering seniors to make educated decisions with the help of a trusted advisor. Elderbridge Services