Iowa Medicare Supplement plans, also known as Medigap plans, are additional healthcare policies that complement the coverage of baseline Medicare. There are 12 different Medigap plans, each labeled with a different letter. They cover costs for emergency hospital visits, blood transfusions, skilled nursing care, and more.
There’s a wide selection of Iowa Medicare Supplement plans to choose from, but each is federally standardized, so they have consistent benefits regardless of who’s offering the policy.
Iowa has 305,743 total Medigap enrollees. And among everyone in Iowa enrolled in fee-for-service Medicare, 58.7% also have a Medigap plan, the second-highest enrollment rate in the United States.
One benefit of the federal government standardizing Medigap coverage is that each plan’s benefits won’t vary from state to state.
So if you love the coverage from your Iowa Medicare Supplement plans but have to move, you’ll receive the same benefits with the same policy in a different location.
| PLAN | A | B | C | D | F | G | K | L | M | N |
| Part A Hospital Coinsurance | X | X | X | X | X | X | X | X | X | X |
| Hospital Reserve Days | X | X | X | X | X | X | X | X | X | X |
| 3 Pints of Blood | X | X | X | X | X | X | 50% | 75% | X | X |
| Part B Coinsurance | X | X | X | X | X | X | 50% | 75% | X | *Copays |
| Hospice Coinsurance | X | X | X | X | X | X | 50% | 75% | X | X |
| Skilled Nursing Facility | X | X | X | X | 50% | 75% | X | X | ||
| Part A Deductible | X | X | X | X | X | 50% | 75% | 50% | X | |
| Part B Deductible | X | X | ||||||||
| Part B Excess Charges | X | X | ||||||||
| Foreign Travel Benefit | X | X | X | X | X | X | X | X | ||
| Preventive Care Coinsurance | X | X | X | X | X | X | X | X | X | X |
| Out of Pocket Limit | None | None | None | None | None | None | $6,940 | $3,470 | None | None |
| *Copays are $20 per office visit, and $50 per ER visit if not admitted to a hospital A checkmark indicates 100% coverage for the specified benefit | ||||||||||
Even though Iowa Medicare Supplement plans remain constant in what they cover regardless of provider and location, the cost of each policy can change dramatically.
Beyond state and insurance providers, several factors will change the overall cost of your Medigap plan, including:
The cost of a Medicare Supplement plan can vary in Indiana, depending on factors such as age, location, and the chosen plan. Generally, premiums for Medigap plans in Indiana range from approximately $68 to $145 per month.
These are the average premium payments for 65-year-old women on the cheapest Iowa Medicare Supplement plans per letter.
| PLAN | A | B | C | D | F | G | K | L | M | N |
| Premium | $84 | $101 | $116 | $91 | $106 | $91 | $42 | $55 | $83 | $68 |
This chart shows the average premium pay rate for a 70-year-old man enrolled in Iowa’s most expensive Medigap coverage. Note that Plan F costs the most on average, despite being Iowa’s most popular Medigap policy.
| PLAN | A | B | C | D | F | G | K | L | M | N |
| Premium | $411 | $335 | $411 | $286 | $413 | $386 | $130 | $268 | $301 | $290 |
The figures below show the average cost of a Medigap plan for a 70-year-old woman in Iowa.
Medico has Iowa’s most affordable Plan F package for this average age and gender demographic with a $111 premium, followed closely behind Manhattan Life at $112. But United States Fire has the best-priced Plan G package, Iowa’s second-most popular Medigap plan.
| CARRIERS | PLAN F | G | N |
| The Capitol Life | $115 | $92 | $68 |
| American Benefit | $116 | $95 | $69 |
| Manhattan Life | $112 | $92 | $71 |
| Medico | $111 | $92 | $71 |
| United States Fire | $113 | $91 | $72 |
Below, there are charts with the estimated premiums for Medicare Supplement coverage for the following cities:
The cost of a Medicare Supplement plan can vary in Indiana, depending on factors such as age, location, and the chosen plan. Generally, premiums for Medigap plans in Indiana range from approximately $68 to $145 monthly.
Plan F costs more than all other Iowa Medicare Supplement plans but provides far more coverage than the other policies. Specifically, Plan F covers your:
But even though Plan F offers the best coverage, the cost might be too much for some enrollees and is no longer available for anyone who gained eligibility after January 1, 2020.
But Plan G includes everything in Plan F aside from deductible coverage, which costs less on average.
You must be at least 65 years old and already have Part A and B Medicare coverage before applying for Iowa Medicare Supplement plans.
Some carriers allow you to apply before turning 65 if you have an eligible disability. However, they generally don’t offer coverage plans as extensive as you would receive for aging into eligibility.
You must enroll in Iowa Medicare Supplement plans as a Medicare Supplement policy.
On top of the criteria discussed above, your monthly Medicare Supplement costs will depend on your selected plan.
For example, Plan F, Iowa’s most enrolled-in Medigap plan, can cost anywhere from $106-$413 per month, depending on age, gender, nicotine usage, etc.
But Plan G is generally more affordable, as the average cost for a tobacco-free 65-year-old woman can be as little as $84.
Plans F and G offer the most extensive coverage of all Iowa Medicare Supplement plans, but they’re far from the only policies providing decent benefits.
Plan D, for example, offers everything included in Plan F except for deductible and excess charge coverage. Plan C is another robust solution, with coverage for everything besides the Part B charges.
And while Plan N isn’t as extensive as C or D, it does offer several insurance benefits at one of the lowest average premium rates of any Medigap plan.
Iowa Medicare Supplement plans give residents access to healthcare services they won’t get with baseline Medicare. And there are plenty of benefits and price points to choose from, with ten different plans and dozens of providers.
Unfortunately, all the different choices can make finding the right Medigap plan a nightmare. But we can easily find your perfect coverage at the ideal price.
Our agents will sort through every plan and provider for you and send you the results so you can decide how to improve your Medicare.
Call our team today, or complete our online rate form to get the best rates in your area today.
Written By:
Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.
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