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.
Medicare plans in Cedar Rapids, Iowa
Enrolling in an Iowa Supplemental Medicare plan in Cedar Rapids allows Medicare beneficiaries to 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.
Medicare Advantage plans
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.
The average cost of Medicare Advantage plans in Cedar Rapids, Iowa
| 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 |
Medicare Supplement plans
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.
The average cost of Medicare Supplement plans in Cedar Rapids, Iowa
| 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 |
Medicare Part D prescription drug plans
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 monthly 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.
The average cost of Medicare Special Needs plans in Cedar Rapids, Iowa
| 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 |
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 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.
The average cost of Medicare Special Needs plans in Cedar Rapids, Iowa
| 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 |
How to sign up for Medicare plans 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!
