In Des Moines, Iowa, there are 202,958 Medicare beneficiaries. Only 24% of these beneficiaries have a Medicare Advantage plan. So that more people know about the benefits of these plans, we will look deeper into them.

Supplemental Medicare Plans in Des Moines, IA

Iowa Supplemental Medicare plans support Part A and B plans nicely. They take care of any costs that your regular Medicare plan won’t cover. We based the following Medicare Advantage quotes on a 70-year-old male living in Des Moines, Iowa.

Affordable Medicare Advantage Plans in Des Moines, IA

Under 50,000 people have an Iowa Medicare Advantage plan in Des Moines. It may sound like a lot, but this is a very low number compared to the 200,000+ that use Part A & B Medicare. For the remaining 75% who need to sign up for Medicare Advantage, there are 10 plans available in Des Moines County.

Aetna is one of the top plans in the nation. It has a $0 monthly premium and a maximum out-of-pocket cost (MOOP) of $4,300. Medicare gave this Local PPO plan a 4-star rating.

Another one of the top plans in the US is from UnitedHealthcare. This plan has a $0 premium and a slightly lower MOOP of $3,900. It is an HMO plan with a 4-star rating.

Medigold has an even lower MOOP of $3,500. It also has a $0 monthly premium and a 4-star rating. Medigold is an HMO plan. It covers various medical devices, including hearing aids and eyeglasses.

PLAN PREMIUM MOOP Plan Type Star Rating
Aetna $0 $4,300 LOCAL PPO 4
Humana $0 $3,850 HMO 4
UnitedHealthcare $0 $3,900 LOCAL PPO 4
Wellmark $0 $3,900 LOCAL PPO N/A
Medigold $0 $3,500 HMO 4

Average Medicare Supplement Plans in Des Moines, IA

Original Medicare in Iowa won’t cover all the costs of your healthcare. A Medigap plan will cover those excess charges. Though the benefits of these plans are the same throughout the country, the rates vary by region and county.

Plan G is one of the three most popular plans in the nation. It offers coverage for everything, except for the Part B deductible. Plan G has relatively high monthly premiums, ranging from $106.92 to $386.35.

Plan N is an excellent alternative to Plan G because it has much lower premiums. These premiums range from $81.96 to $290.87. This plan covers the same things as Plan G, except it doesn’t cover the Part B excess charges.

Plan K is one of the cheapest plans because of the even lower premiums. These premiums range from $52.77 to $130 monthly. It covers 50% of things like Part B copay, Blood, Part A copay, Part A deductible, and nursing care coinsurance, but 100% of most other things.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $104.36 $411.37
PLAN B $130.83 $335.12
PLAN C $150.76 $411.62
PLAN D $118.58 $286.77
PLAN F $128.36 $413.88
PLAN HDF $38.51 $142.70
PLAN G $106.92 $386.35
PLAN HDG $36.58 $99.80
PLAN K $52.77 $130.00
PLAN L $73.33 $268.58
PLAN M $107.31 $301.95
PLAN N $81.96 $290.87

Cheapest Medicare Part D in Des Moines, IA

Iowa Part D plans cover prescriptions when Medicare or Medigap doesn’t. They help those with limited incomes afford expensive medications and are entirely separate from Medicare Part A, Part B, or Advantage plans.

Clear Spring has a higher premium of $16.60 and a deductible of $480. This plan has a low 2-star rating. It covers over-the-counter costs as well.

Wellcare has a lower monthly premium of $10.60 and a higher 3-star rating from Medicare. The deductible for this plan is also $480. Its Over-The-Counter benefit allows you to purchase many medical supplies through insurance.

Aetna is the cheapest plan, with a $6.80 monthly premium. This 3-star plan has the usual deductible of $480. If your income is over a certain amount, there may be extra charges.

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 in Des Moines, IA

The Special Needs Plans (SNPs) offered by Medicare are a distinct type of Medicare Advantage plan sold in Des Moines, Iowa. They are available to people with special needs, disabilities, or chronic illnesses.

Humana has a plan in the area with a $0 monthly premium. It has a maximum out-of-pocket cost (MOOP) of $3,450. It is a Local PPO plan with dual eligibility. Dual eligibility means it is available to anyone who qualifies for both Medicare and Medicaid.

Aetna also has a plan in the area with a $0 premium. The MOOP of this plan is much higher at $7,550. This HMO plan is also open to Medicare and Medicaid-qualifying individuals.

UnitedHealthcare is another SNP in the area. It has a monthly premium of $38.90, significantly higher than the others. Its MOOP is $1,800 for the year, which is lower than Humana or Aetna. This Local PPO plan is only available to those in an institution or nursing home.

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

Where do I sign up for Medicare in Des Moines, IA?

Applying to Social Security to receive benefits from them also counts as your application to Medicare. Otherwise, go to the Medicare website to sign up.

What are the income requirements for Medicare in Des Moines, Iowa?

It is $170.10 a month for singles applying to Medicare if their income is under $91,000. Between $91,000 and $114,000, and again in similar brackets upward, the cost per month increases by about $75 per bracket.

What are the four types of Medicare Advantage plans in Des Moines, IA?

There are four standard plan types. Providers structure each plan differently to meet different needs. While there are other types of plans, these are just the most common.

Do Medigap premiums increase with age in Des Moines, IA?

Everyone pays the same premium, regardless of their age. Medicare doesn’t base premium rates on age.

Do Medigap plans in Des Moines cover drugs?

No. Medigap plans do not cover prescriptions. Instead, consider a Part D plan that does cover prescription drugs.

How to Sign Up for Supplemental Medicare in Des Moines, Iowa

Supplemental Medicare is a great way to get the health coverage you need without having to pay for a full-blown healthcare plan.

In Des Moines, Iowa, and across the United States, agents work with all major insurance carriers free of charge so that you can find the best supplemental Medicare plan for your budget.

Please give us a call today. Or fill out our online rate form today to get started!

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.