The Best Iowa Medicare Supplement Plans (2022)

There are 10 Medicare Supplement plans in Iowa that you can choose from, but some plans may not be available depending on when you became eligible to enroll. Aetna is the best provider for Medicare Supplement plans (or Medigap) in Iowa.

In Iowa and other states, if you have a Medicare Advantage plan, you cannot also purchase a Medicare Supplement plan. Medicare Advantage plans in Iowa replace your entire Medicare plan, including Original Medicare.

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Last Updated: 7/1/2022
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Medigap plans in Iowa cost an average of $120 per month for a 65-year-old and $191 per month for a 75-year-old. Plan F and Plan G are the most purchased plan types since they offer the most comprehensive protection.

Plan G in Iowa costs an average of $102.20 per month, while Plan F costs $235.40 per month. You can only purchase Plan F if you were eligible for Medicare before 2020. Plan N, which costs $107.90 per month on average, is the third most popular plan since it offers similar coverages except for Part B excess charges.

MoneyGeek ranked the best providers for Medigap Plans F, G and N using data on average premiums and benefits. You can learn more about different plan types and their benefits by referring to our guide on how to find the best Medicare Supplement Plan type.

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Best Medicare Supplement Plans in Iowa

Best Medicare Supplement Plan G in Iowa

If you are looking for the best Medicare Supplement plan in Iowa, Aetna offers the best Plan G at an average monthly cost of $115.81. Aetna also has a high-deductible version of Plan G, which costs $45.78 monthly but has far greater out-of-pocket costs.

MoneyGeek ranked the best providers using data for companies where online quotes were available. There may be other providers in Iowa with better rates who are not in our ranking because they do not offer online quotes.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $115.81

Aetna’s Plan G costs $115.81 per month on average, which is $10.09 cheaper than the average cost of Plan G Medigap plans in Iowa, at $125.90 per month.

One of the benefits of the Plan G Medigap plan from Aetna is coverage for emergency foreign travel expenses. With this feature, Aetna will cover emergency medical expenses incurred while traveling.

You can also opt for the high-deductible Plan G from Aetna, which has a lower average monthly premium of $45.78. However, with this type of plan, you must pay for typically Medicare-covered costs, such as coinsurance, deductibles and copayments, up to a deductible of $2,490.

MORE ABOUT PLAN G IN IOWA

Navigate to learn more about Medigap Plan G in Iowa, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Iowa

The average cost of Plan G Medigap plans in Iowa is $125.90 per month, but costs tend to vary depending on the provider you choose. The cheapest provider for Plan G in Iowa for a 65-year-old is Aetna at an average cost of $80.80 per month, which is $50.80 cheaper than the average rate from UnitedHealthcare, the most expensive option, at $131.60 per month.

The cost of Medigap Plan G in Iowa may also depend on your current age, how old you were when you first bought the plan, medical underwriting factors and if you qualify for any discounts.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Aetna
    $81
  • Wellmark
    $109
  • UnitedHealthcare
    $132

Providers Offering Plan G in Iowa

In Iowa, you can buy Plan G Medigap from any of the 47 providers in the state that offer this plan. Some providers may not offer quotes online, but MoneyGeek collected contact information for all providers to help you find the best company for your needs. We also analyzed the pricing methods used by providers to help you understand which insurers tend to increase premiums as you age.

Providers Offering Plan G in Iowa

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Avera
    1-888-322-2115
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Catholic United Financial
    1-800-568-6670
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan G Cover?

All Medicare Supplement plans in Iowa and other states, including Plan G, are standardized, so you will get similar core benefits across providers. Plan G typically covers Part A coinsurance and hospital costs, Part B coinsurance, hospice care, skilled nursing facility care and more, but does not cover Medicare Part B deductibles.

Some providers will offer additional benefits with their Medigap Plan G offerings. For instance, Aetna offers coverage for emergency medical expenses incurred while traveling if those charges are not covered by your Medicare plan. However, this coverage will be subject to your plan limit.

Required Benefits of Plan G in Iowa
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Iowa

Aetna’s Plan F, which costs an average of $158.27 per month, is the best option if you are shopping for Plan F Medigap in Iowa.

Since MoneyGeek rankings are only for companies where online quotes were available, there may be other providers in Iowa who do not offer online quotes but have cheaper rates for Medigap Plan F.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $158.27

If you purchase Medigap Plan F from Aetna, you will pay roughly $77.13 less than the average monthly cost of Plan F Medigap plans in Iowa, which is $235.40 per month.

Plan F from Aetna includes coverage for emergency medical expenses that you may incur while on foreign travel. This coverage will pay up to 80% of your emergency medical expenses while you are outside the country, up to the plan limit.

MORE ABOUT PLAN F IN IOWA

Navigate to learn more about Medigap Plan F in Iowa, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Iowa

In Iowa, Medigap Plan F costs an average of $235.40 per month. However, costs tend to vary depending on the provider. Aetna is the cheapest option for Plan F in Iowa for a 75-year-old at an average of $158.27, while UnitedHealthcare is the most expensive at $304.40 on average, meaning you can save around $146.13 monthly by comparing rates from different providers.

Plan F costs may also vary depending on factors such as your current age, how old you are when you buy the plan and medical underwriting factors.

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75

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  • Company
    Sample Monthly Rate
  • Aetna
    $127
  • Wellmark
    $172

Providers Offering Plan F in Iowa

In Iowa, there are 46 providers that offer Medigap Plan F. We collected contact information from all these providers to help you compare rates and find the best option for your profile and needs. MoneyGeek also collected data on pricing styles used by different providers to calculate premiums to help you figure out which companies charge more depending on how old you are.

Providers Offering Plan F in Iowa

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Avera
    1-888-322-2115
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Catholic United Financial
    1-800-568-6670
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan F Cover?

When you purchase Medigap plans in Iowa or any other state, benefits are standardized with certain minimum benefits included. Medigap Plan F is one of the most comprehensive Medicare Supplement plans that you can buy, as it covers nearly all expenses from Parts A and B.

Some companies may include other benefits in Plan F aside from the standard coverages. For example, Aetna’s Plan F typically covers emergency travel expenses that are not covered by your Medicare plan.

Required Benefits of Plan F in Iowa
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Iowa

Aetna offers the best Medigap Plan N in Iowa at an average monthly cost of $84.75. However, you may find other providers in Iowa with better rates for Plan N since MoneyGeek’s analysis only ranked companies that offer online quotes. Some providers do not have online quotes, so you would need to contact them by phone or visit an agent to get a quote.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $84.75

Compared to the average monthly cost of $136.80 for Plan N Medigap plans in Iowa, Aetna’s Plan N is $52.05 cheaper, at $84.75 monthly.

Besides the standard Plan N benefits, Aetna includes coverage for emergency foreign travel expenses. This coverage protects you in case you incur expenses following a medical emergency while traveling outside the country.

MORE ABOUT PLAN N IN IOWA

Navigate to learn more about Medigap Plan N in Iowa, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Iowa

In Iowa, you will pay an average of $136.80 per month for Medigap Plan N. However, the actual rate will depend on the provider you choose since rates can vary widely depending on the company.

For example, you will pay an average of $84.75 monthly for Plan N for a 65-year-old from Aetna, the cheapest option. A similar plan from Wellmark, the most expensive option, will cost about $35.15 more, at an average of $119.90 per month.

Plan N rates in Iowa may also depend on medical underwriting factors, your current age, how old you are when you buy the plan and if you are eligible for discounts.

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65

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  • Company
    Sample Monthly Rate
  • Aetna
    $85
  • UnitedHealthcare
    $119
  • Wellmark
    $120

Providers Offering Plan N in Iowa

In Iowa, you can buy Medigap Plan N from 44 providers. Some providers may not offer online quotes, so MoneyGeek collected contact information for all the companies offering this plan to help you compare rates and benefits when looking for the best Medicare Supplement plan in Iowa for your needs.

MoneyGeek also highlighted the providers’ pricing methods to help you understand which companies will charge higher premiums depending on age.

Providers Offering Plan N in Iowa

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Avera
    1-888-322-2115
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Catholic United Financial
    1-800-568-6670
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan N Cover?

All Medigap plans in Iowa and other states are standardized, including Plan N, and must have certain benefits. Plan N Medigap typically does not cover Medicare Part B excess charges or deductibles, although it does provide a wide range of coverage for other Part A and B expenses.

Some providers may offer additional benefits in addition to the standard coverages. Aetna, for instance, offers emergency foreign travel coverage, which can be useful if you travel frequently outside the country and want to be protected in the event of a medical emergency.

Required Benefits of Plan N in Iowa
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Iowa: Other Plan Types

There are other Medicare Supplement plans available in Iowa apart from Plans F, G and N. However, these other Medigap plans are not as popular because the coverage they offer is not as comprehensive.

Based on MoneyGeek’s ranking, UnitedHealthcare is the best provider for Medigap Plans A, C, K and L in Iowa, while Wellmark is the best provider for plan D. Aetna is the best company for Plans B, F, G and N.

As a reminder, you cannot buy Plan C in Iowa or any other state if you became eligible for Medicare after January 1, 2020.

The Best Medicare Supplement in Iowa - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $97.44

  • B

    Aetna

    $122.48

  • C

    UnitedHealthcare

    $303.32

  • D

    Wellmark

    $155.20

  • F

    Aetna

    $158.27

  • G

    Aetna

    $115.81

  • K

    UnitedHealthcare

    $49.86

  • L

    UnitedHealthcare

    $103.54

  • N

    Aetna

    $84.75

How to Find the Best Medicare Supplement Plans in Iowa

Figuring out the different Medicare Supplement plans in Iowa can be complex. That’s why MoneyGeek created a simple comparison chart for plan types in Iowa to make it easier. If you want to compare Medicare Supplement plans in Iowa, you can use MoneyGeek’s chart, which includes plan types and average rates.

Iowa Medicare Supplement Plans Comparison Chart

The level of coverage that you get in your Medigap plan depends on the plan type that you purchase — different Medigap plans offer varying types of coverage. Sometimes, you may be ineligible for certain Medigap plans depending on when you became eligible for Medicare. For instance, Plans F and C are unavailable to new enrollees. These two plans have been replaced by Plan G and Plan D.

You can compare coverages and average rates using the chart below.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Iowa

The cost of Medicare Supplement plans in Iowa largely depends on the plan type and the provider you choose. For the most popular plan types in Iowa, Aetna is the cheapest option with the lowest rates for Medigap Plans F, G and N. That said, UnitedHealthcare is the cheapest for Plans A, B, L and K.

Medicare Supplement plan providers in Iowa use the following pricing methods:

  • Issue-Age: The issue-age pricing method involves calculating premiums based on your age at enrollment. With issue-age pricing, those who enroll at a younger age typically pay lower premiums for their Medigap plan. Premiums do not change due to age, but other factors such as inflation may impact rates. This is the most common pricing method in Iowa.

  • Community-Rated: Community-rated pricing does not factor in age. In this pricing method, everyone pays the same monthly premium, regardless of age. This is the second most popular pricing model among Medigap providers in Iowa.

Average Cost of Medicare Supplement in Iowa

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $97
  • Aetna
    $108
  • Wellmark
    $252

FAQs About Medicare Supplement Plans in Iowa

Here are the answers to some of the most frequently asked questions about Medigap plans in Iowa to help you find the best option.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Iowa for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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