Find 2019 Medicare Plans in Iowa - IA Medicare Insurance Overview

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Iowa Medicare Insurance

Medicare in Iowa

Medicare offers healthcare coverage to Iowa residents age 65 or older, or to those Iowa residents that suffer from certain medical disabilities. In 2016, 545,000 people are enrolled in Medicare in Iowa, accounting for 17.6% of the population in Iowa. In 2009 approximately $8,461 was spent per Medicare enrollee in Iowa, about 18.37% lower than the national average of $10,365. Between 2015 to 2030 the number of seniors in Iowa is expected to rise by an estimated 34.09% according to calculations based off of the 2000 Census. Thus the number of individuals enrolled in Medicare is also projected to increase.

Local Medicare Resources

Medicare enrollees and their caretakers that reside in Iowa can receive free, one-on-one, and objective health insurance counseling from the state’s Senior Health Insurance Information Program (SHIIP). Another program called the Iowa Senior Medicare Patrol (SMP) provides residents education and assistance on how to detect, prevent, and report cases of Medicare errors, fraud, waste, and/or abuse.

Types of Medicare Coverage

Individuals that qualify for Medicare can sign up for Medicare Part A (hospital services) and Part B (medical services) through the Federal government. Part A is generally paid for by paycheck deductions from their working years (or their spouse's) but most Medicare beneficiaries pay for Part B through monthly premiums unless they qualify for financial assistance. If you are eligible for Original Medicare (Parts A & B) or if you are already enrolled in it, you also have the option to enroll in a Medicare Advantage Plan (Medicare Part C) instead of Original Medicare or add a stand alone prescription drug plan (Part D) to your current Original Medicare coverage. Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. Medicare Advantage and Medicare Part D insurance plans are sold by private insurance companies that have a contract with Medicare. Many Medicare beneficiaries will elect to enroll in a Medicare Advantage plan that includes prescription drug coverage (MAPD) or purchase a stand alone prescription drug plan to go with their Original Medicare coverage. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Additional benefits of Medicare Advantage plans such as dental, vision, or hearing coverage can help reduce out-of-pocket expenses for seniors with certain medical needs.

Iowa 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

  • The average total monthly premium for a 2017 Medicare Advantage plan in Iowa is $23.37, 62.6% less than the national average of $62.48. 61.44% of 2017 Medicare Part C insurance plans in Iowa have a $0 monthly premium.
  • The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $400, but in Iowa the average annual drug deductible for Medicare Part C insurance plans with drug components is $184.81. 43.15% of 2017 Medicare Part C insurance plans with a drug component in Iowa have a $0 annual drug deductible.
  • The average total monthly premium for a 2017 Medicare Advantage plan without a drug component in Iowa is $23.76. 80% of 2017 Medicare Part C insurance plans without a drug component in Iowa have a $0 monthly premium.
  • The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in Iowa is $5,120.80. 11.44% of 2017 Medicare Advantage plans in Iowa had a medical out-of-pocket limit of $3,400 or less.

To assist seniors in choosing Medicare plans, CMS assigns star ratings to Medicare Part C and Part D plans each year based on preventive care, chronic condition management, customer service, member satisfaction, and drug pricing. Ratings range from 1 star (a poor plan) to 5 stars (an excellent plan).

  • The average overall CMS star rating assigned to Medicare Part C insurance plans in Iowa was 4.1 stars in 2017.
  • Among Iowa's 2017 Medicare Advantage plans with CMS star ratings:
    • 4.93% earned a score of 5 stars
    • 42.43% earned a score of 4 or 4.5 stars
    • 41.73% earned a score of 3 or 3.5 stars
    • 10.92% of plans are “Not enough data available” or “Too new to be measured”.

Sources:

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

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Iowa Medicare Insurance Companies

There are 19 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in Iowa. Of these, the companies that offer the largest variety of plans to choose from are Humana, Medical Associates, and Aetna. In Iowa,Humana has the largest selection of Medicare Advantage plans while Humana offers the most Medicare Part D plans. The following are all medicare insurance providers in Iowa:

Humana

12 Plans

Aetna

8 Plans

Senior Preferred

4 Plans

WellCare

3 Plans

Cigna

3 Plans

UNITEDHEALTHCARE INS. CO. & UHC INS. CO. OF NY

2 Plans

OMAHA HEALTH INSURANCE COMPANY

2 Plans

Medica

2 Plans

2019 Featured Medicare Plans in Iowa

There are 69 medicare plans in Iowa. The following are the 10 highest rated medicare plans in Iowa based on their CMS rating for the plan's overall quality.

Monthly CostPlan NameCMS Rating
from $37Wellmark Blue Cross and Blue Shield - MedicareBlue Rx Standard (PDP)
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from $89Wellmark Blue Cross and Blue Shield - MedicareBlue Rx Premier (PDP)
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from $0Aetna - Coventry Advantra Silver (HMO) - Adair County
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from $0Aetna - Coventry Total Care (HMO) - Dallas County
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from $20Senior Preferred - Gundersen Senior Preferred Value (no Rx) (HMO) - Allamakee County
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from $34Senior Preferred - Gundersen Senior Preferred Value (w/Rx) (HMO) - Allamakee County
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from $110Senior Preferred - Gundersen Senior Preferred Elite (no Rx) (HMO) - Allamakee County
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from $139Senior Preferred - Gundersen Senior Preferred Elite (w/Rx) (HMO) - Allamakee County
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from $0Humana - HumanaChoice H5216-086 (PPO) - Adair County
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from $0Humana - Humana Gold Plus H0028-011 (HMO) - Benton County
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See all Medicare plans in Iowa

Iowa Featured Medicare Plans for Managing High Blood Pressure

The following are the 5 highest rated medicare plans in Iowa based on their CMS rating for the plan's ability for controlling high blood pressure.

Monthly CostPlan NameCMS Rating
from $0Aetna - Coventry Advantra Diamond (PPO) - Boone County
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from $0Aetna - Coventry Total Care (PPO) - Marshall County
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from $0Aetna - Coventry Advantra Elite (PPO) - Adair County
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from $0Aetna - Coventry Advantra Platinum (PPO) - Adair County
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from $139Senior Preferred - Gundersen Senior Preferred Elite (w/Rx) (HMO) - Allamakee County
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Iowa Featured Medicare Plans for Managing Diabetes

The following are the 5 highest rated medicare plans in Iowa based on their CMS rating for the plan's ability for diabetes care including: eye exam, kidney disease monitoring, blood sugar controlled and cholesterol controlled.

Monthly CostPlan NameCMS Rating
from $97Humana - Humana Gold Choice H8145-089 (PFFS) - Adair County
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from $0Humana - Humana Gold Choice H8145-155 (PFFS) - Adair County
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from $139Senior Preferred - Gundersen Senior Preferred Elite (w/Rx) (HMO) - Allamakee County
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from $110Senior Preferred - Gundersen Senior Preferred Elite (no Rx) (HMO) - Allamakee County
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from $34Senior Preferred - Gundersen Senior Preferred Value (w/Rx) (HMO) - Allamakee County
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Iowa Featured Medicare Plans for Managing Rheumatoid Arthritis

The following are the 5 highest rated medicare plans in Iowa based on their CMS rating for the plan's ability for rheumatoid arthritis management.

Monthly CostPlan NameCMS Rating
from $0Aetna - Coventry Total Care (HMO) - Dallas County
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from $0Aetna - Coventry Advantra Silver (HMO) - Adair County
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from $97Humana - Humana Gold Choice H8145-089 (PFFS) - Adair County
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from $0UnitedHealthcare - AARP MedicareComplete (HMO) - Mills County
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from $0Aetna - Coventry Advantra Diamond (PPO) - Boone County
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Iowa Featured Medicare Plans for Managing Osteoporosis

The following are the 5 highest rated medicare plans in Iowa based on their CMS rating for the plan's ability for osteoporosis management.

Monthly CostPlan NameCMS Rating
from $145Medical Associates - Medical Associates Freedom Plan (Cost) - Clayton CountyNot Rated
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from $145Medical Associates - Medical Associates Community Plan (Cost) - Clayton CountyNot Rated
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from $145Medical Associates - Mercy Iowa City Senior Plan (Cost) - Cedar CountyNot Rated
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from $145Medical Associates - Genesis Health Network Senior Plan (Cost) - Cedar CountyNot Rated
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from $145Medical Associates - Clinton Community Health Senior Plan (Cost) - Cedar CountyNot Rated
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Most Popular Medicare Doctors in Iowa

The following are the most popular medicare doctors in Iowa based on the provider utilization and payment data published by the U.S. Department of Health & Human Services.

NameSpecialtyLocation
Orthopaedic SurgeryAMES, IA
Internal MedicineDAVENPORT, IA
Orthopaedic SurgeryIOWA CITY, IA
RadiologyDES MOINES, IA
Internal MedicineAMES, IA
Neurological SurgeryCEDAR RAPIDS, IA
OphthalmologyWEST DES MOINES, IA
Internal MedicineWATERLOO, IA
Internal MedicineCLINTON, IA
OphthalmologyBETTENDORF, IA
See all doctors accepting Medicare in Iowa

Browse Medicare Plans by Cities

  1. Des Moines, IA
  2. Cedar Rapids, IA
  3. Davenport, IA
  4. Sioux City, IA
  5. Waterloo, IA
  6. Iowa City, IA
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