There are 101,903 Medicare beneficiaries in Davenport, Iowa. Of those beneficiaries, only 33,911 utilized the benefits of a Medicare Advantage plan.
So that more people in the area understand the benefits of supplemental Medicare plans, we will cover some of the options here.
Davenport, Iowa Supplemental Medicare plans
Part A & B plan beneficiaries benefit significantly from an Iowa supplemental Medicare plan. These plans cover the costs that your regular Medicare won’t cover. These quotes are for a 70-year-old female living in Davenport, Iowa.
Cheapest Medicare Advantage plans in Davenport, Iowa
About a third of the beneficiaries of Medicare in Davenport, Iowa have a Medicare Advantage plan. However, there is still a considerable portion of them that could use the support. Two-thirds of people needing these plans have 31 available within Scott County.
UnitedHealthcare has a plan with a $0 monthly premium. It’s a Local PPO plan with a maximum out-of-pocket cost (MOOP) of $6,700 and is the most popular nationwide plan. Medicare rated this plan with 4 out of 5 stars.
Health Alliance is another 4-star plan in the area. This HMO plan also has a $0 monthly premium and a slightly lower MOOP of $5,600. It has no limit on covering pre-existing conditions.
HealthPartners has the best rating of the plans at five stars. It’s another Local PPO plan with a $0 monthly premium. The MOOP of this plan is much lower, at $3,900.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| HealthPartners | $0 | $3,900 | LOCAL PPO | 5 |
| UnitedHealthcare | $0 | $6,700 | LOCAL PPO | 4 |
| Aetna | $0 | $4,900 | LOCAL PPO | 4 |
| Humana | $0 | $4,050 | LOCAL PPO | 4 |
| Health Alliance | $0 | $5,600 | HMO | 4 |
Affordable Medicare Supplement plans
Residents of Davenport know Original Medicare in Iowa won’t always cover all the costs of healthcare you receive. Medigap plans are sold to beneficiaries by private companies to help cover these excess costs. Medigap benefits are identical nationwide, though the rates vary by region.
Plan G is the most popular plan because it covers 100% of healthcare costs. This coverage includes the Part B excess charges and includes premiums ranging from $95.04 to $341.80.
Plan N is an excellent alternative to Plan G. This plan covers all the same items except for the Part B excess charges. The monthly premium is much lower, from $72.56 to $257.50.
Plan G also has a high deductible version, which covers the same things as regular plan G. The only difference is the much higher deductible of $2,700 — the premiums for this plan range from $32.52 to $88.20.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $92.30 | $370.32 |
| PLAN B | $110.82 | $296.50 |
| PLAN C | $127.01 | $364.37 |
| PLAN D | $100.52 | $253.98 |
| PLAN F | $114.09 | $372.60 |
| PLAN HDF | $34.13 | $126.30 |
| PLAN G | $95.04 | $341.80 |
| PLAN HDG | $32.52 | $88.20 |
| PLAN K | $46.40 | $117.93 |
| PLAN L | $59.25 | $241.82 |
| PLAN M | $90.91 | $271.84 |
| PLAN N | $72.56 | $257.50 |
Average Medicare Part D prescription drug plan costs
When Medicare or Medigap plans don’t cover your medications in Iowa, beneficiaries turn to Part D plans. These plans are beneficial when drugs are too expensive for those on a limited income. Medicare Part D plans are stand-alone plans.
Clear Spring has a high monthly premium of $16.60 and a low rating of 2 stars. The deductible for this plan is $480.Copays for generic drugs can be as low as $1.
Aetna has a plan with a much lower monthly premium of $6.80. The rating for this plan is higher, at three stars, and the deductible is also $480. Aetna’s Silver Script plan offers copays as low as $1 for a 30-day supply of some prescriptions.
Humana is a 4-star plan option. It costs $22.70 a month and also has a deductible of $480. It offers access to many common pharmacies around the state of 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 |
Medicare Special Needs Plans
Medicare Special Needs Plans (SNPs) benefit those with chronic diseases or disabilities on Medicare within Davenport, Iowa. They are a subtype of regular Medicare Advantage plans.
Humana is an SNP with a $0 monthly premium and a maximum out-of-pocket cost (MOOP) of $3,450. This plan is a Local PPO plan, and it has dual eligibility. Dual eligibility is open to anyone who qualifies for Medicare and Medicaid.
Aetna is another SNP with a $0 monthly premium. This HMO plan is also dual-eligible. The MOOP of this plan is much higher than Humana, at $7,550.
UnitedHealthcare has a high monthly premium of $38.90. This plan is an HMO plan with institutional eligibility. Only those at a care facility are eligible for this plan. The MOOP is $1,800.
| 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
How do I enroll in Medicare for the first time in Davenport, IA?
It’s a very straightforward process. First, you fill out the online application on the Social Security Administration’s website.
Fill out this form three months before your 65th birthday and up to four months later to avoid any late-enrollment penalties.
What is the most popular Medigap plan in Davenport, IA?
Plans F and G are the most popular supplemental Medicare plans in Davenport, Iowa, and the entire nation. They cover many expenses, even some that other programs don’t.
What are the income requirements for Medicare in Davenport, IA?
There aren’t income requirements with Medicare. Most Medicare beneficiaries will pay $164.90 per month. Higher-income beneficiaries could pay a higher amount through IRMAA.
Do Medigap plans have maximum out-of-pocket in Davenport, IA?
No, Medicare doesn’t have a maximum out-of-pocket cost. However, a Part C Medicare Advantage plan protects you with a maximum out-of-pocket and gives additional benefits Medicare doesn’t include.
Does Medigap cover drugs in Davenport, IA?
No, it doesn’t. A Part D plan covers prescription drugs since Medicare in Davenport, Iowa, doesn’t. Some Medicare Advantage plans include your Medicare prescription drug coverage.
How to Sign Up for Supplemental Medicare in Davenport, Iowa
It’s easy to sign up for Medicare in Davenport, Iowa, and across the US Our licensed insurance agents are here to help compare the prices, deductibles, and coverage to find the right plan for your budget.
We work with all insurance carriers to provide the best service, and our help is free of charge to you!
So if you’re ready, give us a call today. Or please fill out our simple online rate form to receive the best rates for you in your area!
