There are 58,104 Medicare beneficiaries in Cedar Rapids, Iowa receiving Part A and B benefits. Fee-for-service coverage enrollees make up 38,969 people, while 19,135 (32.93%) receive Medicare Advantage benefits. Keep reading as we detail plans and costs for supplemental Medicare in Cedar Rapids, Iowa.
Cedar Rapids, Iowa Supplemental Medicare plans
By enrolling in an Iowa Supplemental Medicare plan in Cedar Rapids, Medicare beneficiaries can save more on necessary in-patient and outpatient healthcare. A Medicare Advantage or Supplemental Medigap plan will cover additional Part A and Part B services.
Of all Cedar Rapids supplemental Medicare enrollees, 55.01% are female, and 44.99% are male. The following quotes are for a 65-year-old male looking for insurance.
Average Medicare Advantage plans in Cedar Rapids, Iowa
Around 19,135 people enrolled in Medicare Advantage in Cedar Rapids. There are several Iowa Medicare Advantage plans available for purchase. Currently, Linn County residents have 20 plans to cover expenses that Original Medicare doesn’t handle.
HealthPartners (Local PPO) is one of the best options because of its low costs and excellent value. It features a five-star rating and a zero-dollar monthly premium. Enrollees pay up to $3,900 in maximum out-of-pocket expenses.
Aetna (HMO POS) offers Medicare Advantage plans with $6,700 MOOP and no premium. Its four-star rating and included Part C benefits make it a worthwhile choice.
Wellmark (HMO) currently has no star ratings but offers the lowest maximum out-of-pocket costs at $3,600. Its association with Blue Cross Blue Shield gives them a trustworthy name. You’ll pay no monthly premiums.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $6,700 | LOCAL PPO | 4 |
| Aetna | $0 | $6,700 | HMO POS | 4 |
| Wellmark | $0 | $3,600 | HMO | N/A |
| UnitedHealthcare | $0 | $3,900 | LOCAL PPO | 4 |
| HealthPartners | $0 | $3,900 | LOCAL PPO | 5 |
Cheapest Medicare Supplement plans in Cedar Rapids, IA
Medicare Supplement or Medigap plans are cheap healthcare plans available across the United States and Cedar Rapids. They cover expenses that Original Medicare in Iowa doesn’t handle. Medigap plans feature the same benefits no matter your location, but monthly premiums vary.
Medigap Plan G is the most popular plan, featuring a low premium of $91.50 and a high premium of $341.80. People with this plan don’t pay a Part A deductible or Part B excess charges but do pay the Part B deductible.
Another affordable plan is Medigap Plan HDF. It features the same benefits as Plan F, but you pay a higher deductible. By paying a higher deductible, you’ll significantly lower your monthly premium. This plan’s premium ranges from $28 to $108.50.
People choose Medigap Plan N because it lacks out-of-pocket limits and features minimal copays for Part B services. The lowest premium you’ll pay is $68.28. The highest possible premium is $257.50.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $84.31 | $302.73 |
| PLAN B | $101.37 | $296.50 |
| PLAN C | $116.95 | $364.37 |
| PLAN D | $91.99 | $201.54 |
| PLAN F | $106.68 | $365.50 |
| PLAN HDF | $28.00 | $108.50 |
| PLAN G | $91.50 | $341.80 |
| PLAN HDG | $28.00 | $75.90 |
| PLAN K | $42.07 | $106.37 |
| PLAN L | $55.92 | $223.75 |
| PLAN M | $83.16 | $218.59 |
| PLAN N | $68.28 | $257.50 |
Affordable Medicare Part D
Iowa Medicare Part D is standalone insurance that covers prescription drugs. You can get it through Medicare-approved private insurance providers. Some Medicare Advantage plans offer prescription coverage, while no Medigap plans cover them.
Aetna offers an affordable $6.80 premium and $480 deductible. Its three-star rating shows a relatively good balance between coverage and costs.
Humana is a popular option for prescription coverage. It features a four-star rating, and patients will pay $22.70 each month and have a $480 deductible.
UnitedHealthcare offers a well-rounded Part D plan. You’ll pay a $29.30 monthly premium and have a $310 deductible.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.80 | $480 | 3 |
| Wellcare | $10.60 | $480 | 3 |
| Clear Spring | $16.60 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| UnitedHealthcare | $29.30 | $310 | 4 |
Medicare Special Needs Plans
Medicare Special Needs Plans (SNPs) cover medical treatment and services for people with special needs or chronic disabilities. In many cases, you must have a qualifying condition to be eligible.
Humana (Local PPO) requires dual eligibility for special needs coverage. Enrollees pay no premium and up to $3,450 in maximum out-of-pocket costs.
Amerigroup Iowa (HMO) is a local SNP also requiring dual chronic and disabling conditions. Max out-of-pocket costs are up to $7,550. There is no monthly premium.
UnitedHealthcare (Local PPO) features a $38.90 premium for special needs coverage. You’ll cover only $1,800 out-of-pocket. To be eligible, patients must have a condition that requires institutional care.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Humana | $0 | $3,450 | LOCAL PPO | Dual |
| Amerigroup Iowa | $0 | $7,550 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| UnitedHealthcare | $38.90 | $1,800 | LOCAL PPO | Institutional |
FAQs
What is the Medicare monthly premium in Cedar Rapids, IA?
Your monthly premium varies per person. You may pay no premium, while others could pay up to $164.90 or more.
What Medicare region is Cedar Rapids?
There are 26 Medicare regions. Cedar Rapids, IA, is in Region 19.
Is Medigap better than Medicare Advantage plans in Cedar Rapids, IA?
Medigap may be better than Medicare Advantage, depending on your health needs in Cedar Rapids. Medicare Advantage offers a low premium, while Medicare Supplement plans fill the gaps in Original Medicare’s coverage.
Is Medicare Part A and Part B free in Cedar Rapids, IA?
Medicare Part A and Part B aren’t free in Cedar Rapids. However, you may have a zero-dollar premium or lower expenses than others.
How do I enroll in Medicare in Cedar Rapids, IA, for the first time?
Enrolling in Medicare in Cedar Rapids is easy. Contact your Social Security office to start the process. You can enroll in Medicare online, in person, or over the phone.
How to sign up for Supplemental Medicare in Cedar Rapids
If you’re looking for supplemental Medicare in Cedar Rapids, Iowa, contact us for updated information and compare rates from all carriers.
Our licensed insurance agents help you find the best plan for your needs.
So give us a call today. Or easily fill out our online rate form to be connected with the best rates in your area!
