Best Medicare Supplement Plans in Iowa (2026)

Monthly premiums for Medicare Supplement coverage are from $74 to $187 for seniors aged 65, 

Transamerica has the best rates across several popular plans, including Plan K at $74 per month and Plan L at $110 per month. 

The company also offers Plan D at $165 and Plan B at $187 per month. State Farm provides Plan A coverage, while Philadelphia American handles Plans C and M, and MedMutual Protect covers Plans F, G and N. These low-cost options save Iowa seniors $19 to $112 per month compared to average state rates.

*These rates reflect Medigap premiums for 65-year-olds.

Your specific needs may differ. Find the best Iowa Medicare Supplement company that matches your specific situation.

At age 65 in Iowa, Medicare Supplement insurance costs from $93 to $277 a month on average. Rates vary by insurer and within the state.

Plan G is Iowa’s most popular plan at $210 per month. Plan K is the cheapest at $93 monthly, while Plan C is the most expensive at $277. Plan N averages $160 a month. And other lower-cost picks include Plan M at $133, Plan L at $163 and Plan A at $180 monthly.

Medicare Supplement plans in Iowa are standardized by federal law. Each plan type helps you balance premiums and out-of-pocket costs.

Learn More: What Does Medicare Cover and Not Cover?

Finding the right Iowa Medicare Supplement company requires comparing multiple providers in your area. These factors determine which insurer offers the best value for your coverage needs.

If you live in Iowa and need support selecting Medicare Supplement coverage, these organizations specialize in Medicare guidance and consumer protection: 

• Senior Health Insurance Information Program (SHIIP): Iowa's version of SHIP connects Medicare beneficiaries with trained volunteers who explain coverage options without charging fees or selling insurance. SHIIP volunteers compare Medicare Supplement plans, Medicare Advantage options and Part D prescription drug coverage during one-on-one counseling sessions. Schedule appointments by calling (800) 351-4664 or contact your local Area Agency on Aging.
• Iowa Insurance Division: File complaints about claim delays, billing errors or coverage denials with Medicare Supplement insurers. The Consumer Protection Bureau investigates disputes between policyholders and insurance companies, mediates resolutions and enforces Iowa insurance laws. Submit complaints online or call (877) 955-1212 toll-free. The division also publishes rate comparison guides for Medicare Supplement policies sold in Iowa.
• Iowa Department on Aging: Coordinates aging services through 13 Area Agencies on Aging that serve all 99 Iowa counties. Each agency connects seniors to local programs including Medicare counseling through SHIIP, nutrition assistance, transportation services and caregiver support. Find your local Area Agency on Aging by calling (515) 725-3333 or visiting the department's website.
• Medicare beneficiaries can also compare coverage options statewide using Medicare.gov's plan finder tool to search Medicare Supplement plans available in their ZIP code.

Frequently asked questions about Medigap coverage for Iowa residents answered below.

MoneyGeek collected data for all Medicare plans in Iowa for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Iowa based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.