If you’re trying to find the best Iowa Medicare Supplement plans, you’ve come to the right place. In this guide, we’ll walk you through how to compare plans and find the best value when shopping for Iowa Medigap plans.
In this article we’ll discuss:
best medicare supplement plans in Iowa
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What does a standardized plan mean?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan N) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan N is from Cigna, Blue Cross Blue Shield, Aetna, or any other Medigap company.
It’s the LAW!
How to save money on medicare supplement plans for Iowa
How much will you pay for your Iowa Medicare Supplement Insurance? You’re not getting more benefits by paying more.
So don’t overpay!
How much can Iowa residents save?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these Plan G savings all come with the same insurance benefits.
Since the benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station.
However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code.
If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
Compare Iowa Medicare Supplements
It is important to know that even though the coverage for Iowa Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing Iowa Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
Iowa Medigap Benefits
Plan G benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same Iowa Medicare Supplement Insurance Coverage.
Outline Of Coverage
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
We’re here to help
Our service is free. We help Iowa Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer Iowa Medigap coverage.
Be an informed buyer and comparison shop your Iowa Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.
Iowa Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in Iowa that I serve. Click here if you’re looking for other Medicare Supplement states.
Ackley Ackworth Adair Adel Afton Agency Ainsworth Akron Albert City Albia Albion Alburnett Alden Alexander Algona Alleman Allerton Allison Alta Alta Vista Alton Altoona Alvord Ames Anamosa Andover Andrew Anita Ankeny Anthon Aplington Arcadia Archer Aredale Arion Arispe Arlington Armstrong Arnolds Park Arthur Asbury Ashton Aspinwall Atalissa Athelstan Atkins Atlantic Auburn Audubon Aurelia Aurora Avoca Ayrshire Badger Bagley Baldwin Balltown Bancroft Bankston Barnes City Barnum Bassett Batavia Battle Creek Baxter Bayard Beacon Beaconsfield Beaman Beaver Bedford Belle Plaine Bellevue Belmond Bennett Benton Berkley Bernard Bertram Bettendorf Bevington Birmingham Blairsburg Blairstown Blakesburg Blanchard Blencoe Blockton Bloomfield Blue Grass Bode Bonaparte Bondurant Boone Bouton Boxholm Boyden Braddyville Bradgate Brandon Brayton Breda Bridgewater Brighton Bristow Britt Bronson Brooklyn Brunsville Buckeye Buck Grove Buffalo Buffalo Center Burlington Burt Bussey Calamus Callender Calmar Calumet Camanche Cambridge Cantril Carbon Carlisle Carpenter Carroll Carson Carter Lake Cascade Casey Castalia Castana Cedar Falls Cedar Rapids Center Junction Center Point Centerville Central City Centralia Chariton Charles City Charlotte Charter Oak Chatsworth Chelsea Cherokee Chester Chillicothe Churdan Cincinnati Clare Clarence Clarinda Clarion Clarksville Clayton Clearfield Clear Lake Cleghorn Clemons Clermont Clinton Clio Clive Clutier Coalville Coburg Coggon Coin Colesburg Colfax College Springs Collins Colo Columbus City Columbus Junction Colwell Conesville Conrad Conway Coon Rapids Coppock Coralville Corning Correctionville Corwith Corydon Cotter Coulter Council Bluffs Craig Crawfordsville Crescent Cresco Creston Cromwell Crystal Lake Cumberland Cumming Curlew Cushing Cylinder Dakota City Dallas Center Dana Danbury Danville Davenport Davis City Dawson Dayton Decatur City Decorah Dedham Deep River Defiance Delaware Delhi Delmar Deloit Delphos Delta Denison Denver Derby Des Moines De Soto De Witt Dexter Diagonal Dickens Dike Dixon Dolliver Donahue Donnellson Doon Douds Dougherty Dow City Dows Drakesville Dubuque Dumont Duncombe Dundee Dunkerton Dunlap Durango Durant Dyersville Dysart Eagle Grove Earlham Earling Earlville Early East Peru Eddyville Edgewood Elberon Eldon Eldora Eldridge Elgin Elkader Elkhart Elk Horn Elkport Elk Run Heights Elliott Ellston Ellsworth Elma Ely Emerson Emmetsburg Epworth Essex Estherville Evansdale Everly Exira Exline Fairbank Fairfax Fairfield Farley Farmersburg Farmington Farnhamville Farragut Fayette Fenton Ferguson Fertile Floris Floyd Fonda Fontanelle Forest City Fort Atkinson Fort Dodge Fort Madison Fostoria Franklin Fraser Fredericksburg Frederika Fredonia Fremont Fruitland Galt Galva Garber Garden Grove Garnavillo Garner Garrison Garwin Geneva George Gibson Gilbert Gilbertville Gillett Grove Gilman Gilmore City Gladbrook Glenwood Glidden Goldfield Goodell Goose Lake Gowrie Graettinger Graf Grafton Grand Junction Grand Mound Grand River Grandview Granger Grant Granville Gravity Gray Greeley Greene Greenfield Greenville Grimes Grinnell Griswold Grundy Center Gruver Guernsey Guthrie Center Guttenberg Halbur Hamburg Hamilton Hampton Hancock Hanlontown Hansell Harcourt Hardy Harlan Harper Harpers Ferry Harris Hartford Hartley Hartwick Harvey Hastings Havelock Haverhill Hawarden Hawkeye Hayesville Hazleton Hedrick Henderson Hepburn Hiawatha Hills Hillsboro Hinton Holland Holstein Holy Cross Hopkinton Hornick Hospers Houghton Hubbard Hudson Hull Humboldt Humeston Huxley Ida Grove Imogene Independence Indianola Inwood Ionia Iowa City Iowa Falls Ireton Irwin Jackson Junction Jamaica Janesville Jefferson Jesup Jewell Junction Johnston Joice Jolley Kalona Kamrar Kanawha Kellerton Kelley Kellogg Kensett Kent Keokuk Keomah Village Keosauqua Keota Keswick Keystone Kimballton Kingsley Kinross Kirkman Kirkville Kiron Klemme Knierim Knoxville Lacona Ladora Lake City Lake Mills Lake Park Lakeside Lake View Lakota Lambs Grove Lamoni Lamont La Motte Lanesboro Lansing La Porte City Larchwood Larrabee Latimer Laurel Laurens Lawler Lawton Leando Le Claire Ledyard Le Grand Lehigh Leighton Leland Le Mars Lenox Leon Le Roy Lester Letts Lewis Libertyville Lidderdale Lime Springs Lincoln Linden Lineville Linn Grove Lisbon Liscomb Littleport Little Rock Little Sioux Livermore Lockridge Logan Lohrville Lone Rock Lone Tree Long Grove Lorimor Lost Nation Lovilia Lowden Low Moor Luana Lucas Luther Lu Verne Luxemburg Luzerne Lynnville Lytton McCallsburg McCausland McClelland Macedonia McGregor McIntire Macksburg Madrid Magnolia Malcom Mallard Maloy Malvern Manchester Manilla Manly Manning Manson Mapleton Maquoketa Marathon Marble Rock Marcus Marengo Marion Marne Marquette Marshalltown Martelle Martensdale Martinsburg Marysville Mason City Masonville Massena Matlock Maurice Maxwell Maynard Maysville Mechanicsville Mediapolis Melbourne Melcher-Dallas Melrose Melvin Menlo Meriden Merrill Meservey Middletown Miles Milford Millersburg Millerton Millville Milo Milton Minburn Minden Mingo Missouri Valley Mitchell Mitchellville Modale Mondamin Monmouth Monona Monroe Montezuma Monticello Montour Montrose Moorhead Moorland Moravia Morley Morning Sun Morrison Moulton Mount Auburn Mount Ayr Mount Pleasant Mount Sterling Mount Union Mount Vernon Moville Murray Muscatine Mystic Nashua Nemaha Neola Nevada New Albin Newell Newhall New Hampton New Hartford New Liberty New London New Market New Providence New Sharon Newton New Vienna New Virginia Nichols Nodaway Nora Springs Northboro North Buena Vista North English North Liberty North Washington Northwood Norwalk Norway Numa Oakland Oakland Acres Oakville Ocheyedan Odebolt Oelwein Ogden Okoboji Olds Olin Ollie Onawa Onslow Orange City Orchard Orient Orleans Osage Osceola Oskaloosa Ossian Osterdock Otho Oto Ottosen Ottumwa Owasa Oxford Oxford Junction Oyens Pacific Junction Packwood Palmer Palo Panama Panora Panorama Park Parkersburg Park View Parnell Paton Patterson Paullina Pella Peosta Perry Persia Peterson Pierson Pilot Mound Pioneer Pisgah Plainfield Plano Pleasant Hill Pleasanton Pleasant Plain Pleasantville Plover Plymouth Pocahontas Polk City Pomeroy Popejoy Portsmouth Postville Prairieburg Prairie City Prescott Preston Primghar Princeton Promise City Protivin Pulaski Quasqueton Quimby Radcliffe Rake Ralston Randalia Randall Randolph Rathbun Raymond Readlyn Reasnor Redding Redfield Red Oak Reinbeck Rembrandt Remsen Renwick Rhodes Riceville Richland Rickardsville Ricketts Ridgeway Rinard Ringsted Rippey Riverdale Riverside Riverton Robins Rock Falls Rockford Rock Rapids Rock Valley Rockwell Rockwell City Rodman Rodney Roland Rolfe Rome Rose Hill Rossie Rowan Rowley Royal Rudd Runnells Russell Ruthven Rutland Ryan Sabula Sac City Sageville St. Ansgar St. Anthony St. Charles St. Donatus St. Lucas St. Marys St. Olaf St. Paul Salem Salix Sanborn Sandyville Saylorville Scarville Schaller Schleswig Scranton Searsboro Sergeant Bluff Seymour Shambaugh Shannon City Sharpsburg Sheffield Shelby Sheldahl Sheldon Shell Rock Shellsburg Shenandoah Sherrill Shueyville Sibley Sidney Sigourney Silver City Sioux Center Sioux City Sioux Rapids Slater Sloan Smithland Soldier Solon Somers South English Spencer Spillville Spirit Lake Spragueville Springbrook Spring Hill Springville Stacyville Stanhope Stanley Stanton Stanwood State Center Steamboat Rock Stockport Stockton Storm Lake Story City Stout Stratford Strawberry Point Struble Stuart Sully Sumner Superior Sutherland Swaledale Swan Swea City Swisher Tabor Tama Templeton Tennant Terril Thayer Thompson Thor Thornburg Thornton Thurman Tiffin Tingley Tipton Titonka Toledo Toronto Traer Treynor Tripoli Truesdale Truro Turin Udell Underwood Union Unionville University Heights University Park Urbana Urbandale Ute Vail Valeria Van Horne Van Meter Van Wert Varina Ventura Victor Villisca Vincent Vining Vinton Volga Wadena Wahpeton Walcott Walford Walker Wallingford Wall Lake Walnut Wapello Washington Washta Waterloo Waterville Waucoma Waukee Waukon Waverly Wayland Webb Webster Webster City Weldon Wellman Wellsburg Welton Wesley West Bend West Branch West Burlington West Chester West Des Moines Westfield Westgate West Liberty West Okoboji Westphalia West Point Westside West Union Westwood What Cheer Wheatland Whiting Whittemore Whitten Willey Williams Williamsburg Williamson Wilton Windsor Heights Winfield Winterset Winthrop Wiota Woden Woodbine Woodburn Woodward Woolstock Worthington Wyoming Yale Yetter Yorktown Zearing Zwingle