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When people of Iowa start researching Medicare health plans, they usually find the process extremely overwhelming and confusing. From Medicare Advantage plans to Medicare Supplement plans, there are more than 24,000 different plans available in the US. And once you enter your ZIP code and demographic details in the plan finder tool, you’ll likely be scrolling through more than 30 plans that you’re probably eligible for.

The sheer quantity of the plans and their specifications can be inundating to the clearest of minds, and then the perplexing array of rules and deadlines that Medicare provides is another reason seniors find the task of enrollment daunting.

People work hard their entire lives to make a comfortable living, and in the end, their hard work and planning earn them the right to make memories, enjoy life, and save enough for a pleasant retirement. But an unforeseen medical expense can easily push their plans back, leading to the loss of the funds that they worked hard to save their entire lives.

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What You Need to Know About Medicare Insurance in Iowa

Medicare coverage is automatically activated once any individual who is a US citizen or a permanent resident in the US reaches the age of 65. In addition to that, any person is eligible for Medicare if they have been receiving disability benefits from the Railroad Retirement Board or the security insurance for at least 24 months, as well as those who are on dialysis or have had a kidney transplant.

Original Medicare

Also known as the traditional Medicare, the Original Medicare option includes Medicare Part A and Part B.

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Supplemental Health Insurance – What is Medigap?

Because Original Medicare Part A only covers 80% of the total inpatient care in hospitals and skilled nursing facilities, and Part B covers 80% of the total outpatient care and necessary medical supplies, you have to sign up for a supplemental policy for a complete coverage plan.

Medigap, also known as Medicare Supplement, is a private insurance policy that Medicare enrollees purchase to get coverage for what isn’t covered in the Original Medicare Part A and Part B. These secondary coverage policies are labeled from A through N.

Even though there are ten basic Medigap plans, Plan F, G, and N are the most popular.

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Medigap Premiums in Iowa

Medigap enrollees in Iowa set their premiums in three different ways.

Attained-age Rating

This premium is based on the enrollee’s current age, and the premium goes higher as the person grows older. This premium is the least expensive for younger buyers.

Issue-age Rating

This premium is calculated based on the age the individual is when they buy the Medigap policy. Enrollment premiums are a cheaper option for people who are under 65 than anyone applying for Medicare plans after the age of 80. The overall rates may go up due to inflation and other factors, but not because of your age.

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Medicare Advantage

Before 1997, people of the US only had the option of the original Medicare until the government started the Medicare Advantage program.

When people opt for the Medicare Advantage plan, the government is responsible for paying private insurers a fixed amount which in turn provides the beneficiary extra Medicare benefits..

Now, many people in Iowa prefer the Medicare Advantage plan, also known as Part C, since private insurers that are providing you the Medicare advantages also offer Medicare Part A and Part B of the traditional medicare.

There are also added benefits like prescription drug coverage (Part D), vision, hearing, dental, health and wellness programs, adult day care services, transportation to and from medical facilities, and annual out-of-pocket medical expenses.

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Medicare Enrolment in Indiana

Initial Enrollment

The initial enrollment period starts three months before and three months after your 65th birthday. You can always change or update your Medicare plan if you began receiving the benefits at a younger age.

General Enrollment

People who missed the initial enrollment period get another window that runs from January 1 to March 31. You can enroll yourself in the Original Medicare (Part A and Part B), Medicare Advantage (Part C), Medigap, and Part D plans.

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Why Trust Medicare Hope Insurance Agents at IntegrityNow Insurance?

At Integrity Now Insurance, our Medicare insurance agents are annually certified by America’s Health Insurance Plan (AHIP). Our team of Medicare Insurance Agents is well-versed with the industry’s complexities and jargon, and we make sure to go the extra mile for our clients to help them find the best health insurance coverage plans that suit their budgets.

We have assisted countless clients in finding comprehensive health insurance plans, and with our top-tier network of Medicare Insurance Providers across the US, we assure you your health coverage policies will be the best fit for your specific situation and within your budget.

Give us a call today to talk to one of our qualified representatives and compare quotes to find the perfect Medicare insurance plan for you!

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