Medicare Advantage in Iowa

Looking for Iowa Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Iowa state

Information about Medicare Advantage Plans in Iowa

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21 percent of Medicare beneficiaries in Iowa were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

There are 38 different Iowa Medicare Advantage plans in 2019.1 Not every plan is available in each county, so it's important to find out which ones are offered where you live.

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Iowa. Read below to learn more about Medicare in your state.

You can also learn more about other types of Medicare plans:

Average costs of Medicare Advantage in Iowa

The average Medicare Advantage plan premium in 2019 in Iowa was $19 per month.

That average was affected by the 13 available plans that feature $0 monthly premiums.

  • Average monthly premium cost in 2019 (weighted): $19
  • Average in-network out-of-pocket spending limit: $3,666
  • Average deductible in 2019 (weighted): $34.111

Individual plan premiums, deductibles and out-of-pocket costs may vary greatly depending on where you live and the plan you have.

You can view the 2019 average Iowa Medicare Advantage plan monthly premiums by county listed below in this guide.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Iowa Medicare Advantage plan costs

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Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Medicare Eligibility & Enrollment

If you want to enroll in Medicare Advantage in Iowa, you must first be enrolled in Medicare Part A and Part B, often referred to as Original Medicare.

To be eligible for Original Medicare at age 65, you must meet the following requirements:

  • You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You or your spouse must have worked long enough to be eligible for Social Security or Railroad Retirement benefits.

  • You or your spouse must be government employees or retirees who have not paid into Social Security but have paid Medicare payroll taxes.

You may also be eligible for Medicare benefits under 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

It’s important to note that if you have ESRD, you may not qualify for most Medicare Advantage plans. If you have ESRD, you may be able to enroll in a Iowa Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in Iowa

The first time you may be able to enroll in a Iowa Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your Medicare IEP starts three months before your 65th birthday. It includes the month of your 65th birthday and then continues for another three months after your birthday.

Additional times at which you may sign up for a Medicare Advantage plan include:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you're already enrolled in a Part C plan, from January 1 to March 31 every year, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during this period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

From October 15 to December 7 every year, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

You may also drop your existing Medicare Advantage plan and return to Original Medicare.

During AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year for qualifying circumstances.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find a Iowa Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Top-rated Medicare Advantage Plans in Iowa 2019

Each year, the Centers for Medicare & Medicaid Services (CMS) issues Star Ratings for all Medicare Advantage plans using a system of one to five stars.2

In order for a Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

There are 17 top-rated 2019 Medicare Advantage plans in Iowa that are rated four stars or higher.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

Medicare Advantage plans are rated in the following five categories:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, problems receiving services and member retention
  • Customer service

The information for the star ratings is gathered from information that is submitted to Medicare, Medicare’s regular monitoring activities and member surveys.

List of Medicare Advantage Plans Available in Iowa in 2019

To view a list of plans offered in your area within Iowa, use our plan comparison tool.

Find a Iowa Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Private insurance companies offer Medicare Advantage plans in Iowa

Multiple insurance carriers may offer Medicare Advantage plans in Iowa, depending on where you live.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

Call to speak with a licensed insurance agent who can help you compare the Medicare Advantage plans that are sold by insurance companies in your area.

When you’re shopping for Medicare Advantage plans in Iowa, you can compare plans from several different carriers by using some of the following information:

  • The Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

  • Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

Iowa Medicare Advantage plans by county

The chart below provides some more information about 2019 Iowa Medicare Advantage plans by county.1

  • Addair County is home to the highest number of top-rated plans (4 stars or higher) of any county in Iowa in 2019.

  • Polk County had the highest number of Medicare Advantage beneficiaries of any county in the state in 2019.
2019 IA Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Average Monthly Premium Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Adair 200 11% $2 6 2 98%
Adams 21 2% $49 0 0 50%
Allamakee 492 14% $5 5 1 93%
Appanoose 771 22% $1 3 2 99%
Audubon 55 3% $44 0 0 40%
Benton 1333 24% $1 3 0 97%
Black Hawk 9593 35% $1 0 0 99%
Boone 1183 19% $1 0 0 99%
Bremer 1323 24% $1 0 0 99%
Buchanan 1327 30% $1 0 0 98%
Buena Vista 254 7% $1 0 0 98%
Butler 748 19% $2 1 0 97%
Calhoun 180 7% $2 0 0 97%
Carroll 534 11% $1 0 0 99%
Cass 384 10% $0 0 0 99%
Cedar 869 21% $2 3 0 98%
Cerro Gordo 666 6% $14 0 0 90%
Cherokee 333 11% $1 0 0 99%
Chickasaw 275 9% $45 0 0 50%
Clarke 278 13% $45 0 0 50%
Clay 120 3% $0 0 0 100%
Clayton 1157 24% $115 1 0 5%
Clinton 2484 22% $2 0 0 99%
Crawford 358 10% $0 0 0 99%
Dallas 2739 21% $1 1 0 98%
Davis 327 18% $26 0 0 50%
Decatur 252 13% $1 0 0 99%
Delaware 915 24% $52 0 0 57%
Des Moines 1374 14% $0 0 0 99%
Dickinson 293 5% $1 0 0 98%
Dubuque 11004 53% $127 2   0%
Emmet 90 4% $57 0 0 29%
Fayette 991 19% $1 0 0 98%
Floyd 419 10% $10 0 0 87%
Franklin 122 5% $4 0 0 96%
Fremont 206 11% $1 0 0 99%
Greene 413 17% $1 0 0 98%
Grundy 605 20% $2 0 0 98%
Guthrie 589 20% $1 0 0 99%
Hamilton 435 12% $2 0 0 98%
Hancock 83 3% $67 0 0 25%
Hardin 533 12% $3 0 0 96%
Harrison 436 13% $1 0 0 99%
Henry 495 11% $3 1 1 94%
Howard 66 3% $12 0 0 87%
Humboldt 112 5% $61 0 0 33%
Ida 175 10% $2 0 0 97%
Iowa 691 18% $1 0 0 99%
Jackson 1561 31% $118 0 0 9%
Jasper 1726 20% $0 0 0 100%
Jefferson 804 17% $3 0 0 95%
Johnson 4055 19% $2 0 0 99%
Jones 1143 24% $13 1 0 88%
Keokuk 512 20% $1 0 0 98%
Kossuth 119 3% $67 0 0 25%
Lee 605 7% $40 0 0 33%
Linn 13386 31% $2 0 0 98%
Louisa 449 18% $3 1 1 96%
Lucas 452 20% $2 0 0 98%
Lyon 164 7% $2 0 0 97%
Madison 750 22% $1 0 0 99%
Mahaska 913 19% $1 0 0 99%
Marion 1186 16% $0 0 0 99%
Marshall 1844 20% $0 0 0 100%
Mills 533 15% $0 1 0 99%
Mitchell 81 3% $5 2 0 95%
Monona 481 19% $0 0 0 100%
Monroe 408 22% $3 0 0 96%
Montgomery 337 12% $0 0 0 100%
Muscatine 2293 26% $1 0 0 99%
O'Brien 198 6% $1 0 0 99%
Osceola 82 6% $2 1 1 96%
Page 349 8% $0 0 0 99%
Palo Alto 60 3% $40 0 0 33%
Plymouth 818 15% $0 0 0 100%
Pocahontas 91 5% $6 0 0 92%
Polk 21457 27% $1 2 2 99%
Pottawattamie 5855 28% $0 1 0 99%
Poweshiek 666 15% $1 0 0 99%
Ringgold 88 6% $5 0 0 94%
Sac 100 4% $44 0 0 40%
Scott 10031 29% $1 1 1 99%
Shelby 291 9% $0 0 0 100%
Sioux 396 6% $1 0 0 99%
Story 2262 16% $0 1 1 100%
Tama 913 22% $1 0 0 99%
Union 305 10% $2 0 0 98%
Van Buren 321 16% $31 0 0 50%
Wapello 2202 27% $3 0 0 96%
Warren 2378 25% $1 0 0 99%
Washington 791 15% $1 0 0 99%
Wayne 298 18% $2 0 0 97%
Webster 1374 16% $1 0 0 99%
Winnebago 154 6% $6 0 0 93%
Winneshiek 725 15% $1 0 0 98%
Woodbury 4924 25% $0 1 1 100%
Worth 156 8% $7 0 0 92%
Wright 183 6% $2 0 0 97%

IA Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Iowa Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Iowa enrollees (2019)
HMO 98.5%
Local PPO <1%
Regional PPO <1%
PFFS <1%
Other Plans <1%

The major types of Medicare Advantage plans include:

  • HMO
    Health Maintenance Organization (HMO) usually requires patients to use health care providers and pharmacies that are part of the plan’s network (except in the case of emergencies) while also typically requiring a referral from a primary care doctor in order to see a specialist.

  • PPO
    Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) are able to see providers outside of their plan’s network, often at a higher cost.

    Beneficiaries in this type of plan typically pay less out of pocket if they choose to receive medical services from providers within their plan’s network.

    PPO plans typically do not require patients to acquire a referral before visiting with a specialist.

  • PFFS
    A Private Fee-For-Service (PFFS) plan determines how much it will pay to health care providers and how much the patient will pay when care is received.

    With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts your plan’s terms. Not all providers will accept these terms, however.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics.

    Typically, you must receive care from health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care and when someone who has End-Stage Renal Disease (ESRD) needs out-of-area kidney dialysis.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2019 Iowa Medicare Advantage plans that are available where you live.

Local health insurance resources in Iowa

  • The Senior Health Insurance Information Program provides free and confidential counseling to beneficiaries of Medicare and other senior health insurance programs in the state of Iowa. The program, made up of trained volunteers, can be reached at 800-351-4664 (or 800-735-2942 for TTY users).

  • You can also explore more information about the insurance industry in the state by visiting the Iowa Insurance Division website.

  • Iowa Prescription Drug Assistance Programs
    The state of Iowa has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.

Copyright © 2019 TZ Insurance Solutions LLC. All rights reserved.

1 MedicareAdvantage.com's internal analysis of CMS Medicare Advantage landscape source files, accessed May 2019. Data retrieved from www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovGenIn.

Includes 2019 approved contracts/plans. PACE, Special Needs Plans, Part B Only Plans, and Employer sponsored plans (800 series) are excluded. Plans under sanction are not shown.

2 Every year, Medicare evaluates plans based on a 5-star rating system.

MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC is a licensed and certified representative of A Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal.

TZ Insurance Solutions LLC and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. This website does not contain a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call (877) 486-2048), 24 hours a day / 7 days a week or consult www.medicare.gov.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums, and/or copayments/coinsurance may change on January 1 of each year.

Medicare has neither reviewed nor endorsed this information.

Last Updated: 6/28/2019