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Comparing Medicare Supplement Insurance Plans in Iowa

Best Medicare Supplement Plans in Iowa (Medigap)

For Medigap plans in Iowa, there are several choices, but what are the best Medicare Supplement Plans Iowa 2023?  The answer to that question is “It depends”.  I know that is not exactly what you are looking for but please keep reading for a full explanation or call us anytime at 844-528-8688 for a personal consultation on what Medicare Supplement Plan in Iowa fits you the best.

No matter where you live in Iowa when you enter Medicare, you need Medicare supplemental coverage that fits your lifestyle and budget. Medicare Supplement Plans Iowa are readily available without any clinical underwriting throughout your open enrollment period.  See our Medicare Supplement Guide for information on entering into Medicare.

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First Things First, You Need Iowa Medicare

To be eligible for an Iowa Medicare Supplement Plan, you need to have Medicare Parts A and B.

Medicare Part A Hospital Insurance

Medicare Part A Hospital Insurance

This part of Medicare helps pay for care in a hospital, skilled nursing facility, some home health care, and hospice care.

Part A is $0 for most people

Has a “Per Period” Deductible


Medicare Part B

Medicare Part B Medical Insurance

This part of Medicare helps pay for doctor bills, outpatient hospital care, and other medical services not covered by Part A.

Part B is $164.90 per month for most 

Has an annual deductible


Enrolling in Medicare Iowa

There are two different scenarios when it comes to Medicare eligibility in Iowa, to find out what you need to do to enroll in Medicare, see below to find which fits your situation.


If You Are Currently Receiving Social Security

If you are currently receiving Social Security Payments, you will receive your Medicare card in the mail, approximately 90 days prior to your 65th birthday.


If You Are NOT Currently Receiving Social Security

If you are not receiving Social Security Payments you will need to Enroll in Medicare with the Social Security Dept.  You can call 1-800-772-1213, Online at www.SocialSecurity.gov, or visit your local Social Security Office.

Finding Your Iowa Medicare Supplement Plan

Now that you understand signing up for Medicare, it is time to find the best Iowa Medicare Supplement Plan for you.  While rates for Medicare Supplement Plans Iowa are very important, you need to also look at the company and the rate increase history.  What might be the absolute cheapest monthly premium now, could end up very costly down the road.

Medicare Supplement Companies tend to come into an area with a very low “introduction price” in essence, they are buying new business.  After building the book of business, they will raise the rates significantly to cover the losses.  This is just one of the reasons we at Medicare Solutions Team carry over twenty Medicare Supplement Plans Iowa providers.



Medicare Supplement Plans, sometimes called Medigap Plans, are set and standardized by CMS (Medicare).  They offer ten plans, but the three most popular are Plan F, Plan G, and Plan N.

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Iowa Medicare Supplement Plan F

The Plan F Medicare Supplement Plan Iowa, simply put, covers everything.  On the face, that seems like a great idea, but there are a few reasons why.

  1. It is the most expensive Plan on the Market
  2. It has the highest rate increases of all the Medicare Supplement Plans
  3. The Medicare Supplement Plan F will no longer be available to new enrollment as of 2020.

**The Medicare Supplement Plan F High deductible plan will not be changed in 2020.

Iowa Medicare Supplement Plan G

The Medicare Supplement Plan Iowa that offers the most coverage for the lowest premium is Medigap Plan G.  The Medicare Supplement Plan G offers the exact same benefits as Plan F except that you will pay the Part B deductible.  Medicare sets the Part B deductible and can change, but at this time, it is $226.00 per year. 

The Iowa Medicare Supplement Plan G is normally $300.00 to $400.00 per year less in premium than Plan F and historically has much lower rate increases.  

Once the Part B deductible ($233.00 for 2022) is paid, your benefits will be identical to the Medicare Supplement Plan F.  Why would anyone want to pay an insurance company $300.00 to $400.00 a year more just to pay a $233.00 deductible.

Medicare Supplement Plans Texas

View Plan G Quotes-

View Plan G Quotes-

Iowa Medicare Supplement Plan N

Medicare Supplement Plan N is one of the lowest cost Medicare Supplement Plans, but you will take on a little more risk and out-of-pocket costs.  With a Medigap Plan N, you will have a copay of $20.00 for doctor visits and $50.00 for an emergency room visit.

Paying a copay is something that most people are used to, and it does add some cost if and when you go to the doctor, but there is another fact of the Plan N that you need to be aware of.

Plan N does not cover Medicare Part B excess charges; now, this could be a big deal or nothing at all.  If a doctor accepts Medicare but is not assigned by Medicare, he can legally charge you 15% over the Medicare approved amount.  You would then be responsible for that extra cost.

Medicare Supplement Plans Texas

View Plan N Quotes-

View Plan N Quotes-

Medicare Assignment

Medicare Assignment means that your doctor, provider, or supplier agrees (or is required by law) to accept the Medicare-approved amount as full payment for covered services.

Now the excess charges could end up not being a problem at all, in fact, some states do not allow the excess charges, and sadly Iowa is not one of them.  As of the last report, approximately 93% of doctors across the United States accept Medicare Assignment. If you do your due diligence when looking for a doctor or having a procedure done, it should not be a problem.

For complete details on Medicare Supplement Plans Iowa, you can reach us by email on our contact us page or by calling 844-528-8688.  Remember, there is never a fee for our services.

Frequently Asked Questions

Is Medicare Supplement Plan G worth it?

Yes, Plan G is worth the cost because it covers most out-of-pocket expenses. Plan G is especially financially helpful when your health starts declining, or you need routine care to manage a chronic illness.

Should I switch from F to G?

Since Medicare Supplement plan F has the highest monthly premium that generally increases yearly, changing to Medicare Supplement Plan G would be more cost-effective.

What company has the best Medicare Supplement plan?

Picking the best Iowa Medicare Supplement plan depends on your health circumstances and monthly budget. Most health insurance brokers consider UnitedHealthcare, AARP, Mutual of Omaha, and Aetna as go-to insurance companies.

What are the Popular Medigap Plans in Iowa?

If you consider coverages and rates, we’ve found that Medigap Plans F, G, and N are the most popular plans in Iowa.

What are Medicare Supplement (Medigap) Plans in Iowa?

Medigap plans, also known as Medicare Supplement Insurance, are private insurance policies designed to help cover out-of-pocket costs that Original Medicare (Parts A and B) does not fully cover. These expenses can include deductibles, copayments, coinsurance, and additional benefits such as coverage during foreign travel. The federal government standardizes Medigap plans into 10 different plan types, labeled A through N, which differ in their covered benefits and costs.

How much does Medigap cost in Iowa?

The cost of Medigap plans in Iowa, like in any other state, can vary depending on the specific plan type, the insurance company, the beneficiary’s age, and other factors such as location, underwriting, and any discounts available. To obtain accurate and up-to-date pricing information for Medigap plans in Iowa, it is recommended that you compare rates from multiple insurance providers by contacting a licensed independent agent.

What is the best Medicare Supplement provider in Iowa?

It’s challenging to single out the “best” Medicare Supplement provider in Iowa, as individual needs and preferences can vary significantly. Several factors should be taken into account when selecting a provider, such as financial stability, customer service quality, plan offerings, and premium costs. Some well-known providers operating in Iowa include AARP/UnitedHealthcare, Mutual of Omaha, and Aetna.

What is the cost of Medicare Supplement plans in Iowa?

The cost of Medicare Supplement plans in Iowa can vary depending on several factors, such as the specific plan type, the insurance company, the beneficiary’s age, and other factors like location, underwriting, and any available discounts. Generally, these plans’ premiums can range from around $50 to over $300 per month.

View Mediagap Quotes-Enter Your Zip Code:

View Mediagap Quotes-Enter Your Zip Code:

Have Questions?

We can Help!

Talk to one of our licensed Medicare supplement agents about the options available to you in your area.  


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