The Best Medicare Supplement Plans in Emerson, Iowa 2025

2025 Medigap Facts for Emerson

• 43.21% of Medicare beneficiaries are enrolled in a Medigap (Medicare Supplement) plan in Iowa.

• 12 Medicare Supplement plan types exist in Emerson. These include Medicare Supplement Plan A, Plan B, Plan C, Plan D, Plan F, Plan F high-deductible, Plan G, Plan G high-deductible, Plan K, Plan L, Plan M, and Plan N.

• The cost of a Medicare Supplement plan in Emerson ranges from $124 to $1,025 depending on the Plan you choose, your age, sex, whether you smoke, and when you enroll.

• The five most popular Medicare Supplement plans in Emerson, by Medicare beneficiary enrollment, are Plan F, Plan G, Plan N, Plan A, and Plan C.

What is a Medigap Plan? What is Medicare Supplement?

A Medigap and Medicare Supplement plan’s central role? To help cover some or all of the healthcare costs that Original Medicare Part A (hospital services) and Part B (preventive and medical services) don't fully cover. These supplement plans may be called Medigap or Medicare Supplement but refer to the same type of Medicare plan.

Original Medicare does a lot, but it doesn't cover everything. For instance, with Medicare Part B, 80% of the coinsurance costs are covered for Medicare-approved amounts, leaving enrollees to handle the remaining 20% of coinsurance. On top of that, there are deductibles and copayments to consider, and there's no cap on out-of-pocket spending. This is where a Medigap plan steps in.

3 Advantages of Enrolling in a Medicare Supplement Plan

Pairing a Medicare Supplement plan with Original Medicare Parts A and B provides robust coverage, enabling you to focus on enjoying life with less worry about healthcare costs. Here are the top 3 advantages of enrolling in a Medicare Supplement plan:

1. Predictability in Costs:

If you value having a clear picture of your healthcare expenses, a Medicare Supplement plan works with Original Medicare (Parts A and B) to cover some or all out-of-pocket costs, such as deductibles, coinsurance, and copayments.

2. Freedom of Choice:

This plan allows you to seek treatment from any hospital, doctor, or provider nationwide that accepts Medicare, offering unmatched flexibility.

3. Preference:

Medigap becomes an attractive alternative if you prefer not to enroll in a Medicare Advantage plan in Iowa.

What are the Top 5 Medicare Supplement Plans in Iowa?

The five top Medicare Supplement plans in Iowa are Plan F , Plan G , Plan N , Plan A , Plan C . This is based on the Medigap enrollment in Iowa. However, your chosen plan should be tailored to your health and budget needs. The chart below shows which Medigap plans Medicare beneficiaries enroll in most.

2025 Medigap Plan Type Enrollment in Iowa

Most Popular Supplement Insurance Companies in Emerson

According to Medicare beneficiary enrollment in Emerson, Iowa, these five insurance companies enroll the most people in Medicare Supplement plans. Each insurance company offers varying levels of customer service and differing premium costs. These are insurance companies that you could consider when weighing your enrollment options.

The Most Popular Medicare Supplement Plans Offered in Emerson by Most Enrolled Insurance Companies

Now that you know the most popular plans and insurance companies in Emerson, Iowa, see which insurance companies offer the plan you’re interested in.

#	Insurance Company Name	Most Popular Plans Offered by Top Insurance Companies
1	Wellmark Blue Cross and Blue Shield of Iowa	Plan F	Plan G	Plan N	Plan A
2	Aetna Health Insurance Company	Plan F	Plan G	Plan N	Plan A
3	AARP - UnitedHealthcare	Plan F	Plan G	Plan N	Plan A	Plan C
4	Mutual of Omaha	Plan F	Plan G	Plan N	Plan A
5	Medico Life and Health Insurance Company	Plan F	Plan G	Plan N	Plan A

Comparing Popular Medigap Plan Coverage: Plan B, Plan C, Plan F, Plan G, Plan K & Plan N

Medigap Plan F

Before learning about Medigap Plan F, remember that Medigap Plan F is no longer available to people who became Medicare-eligible on or after January 1, 2020. Medigap Plan F could still be possible if you became Medicare-eligible before January 1, 2020. If not, Plan G is the closest alternative to Plan F.

In Iowa, over 170,178 or 57.03% of Medigap enrollees have chosen Medicare Supplement Plan F for their healthcare coverage needs, making it a popular choice among the community. This preference is primarily attributed to the comprehensive coverage that Medigap Plan F offers.

With Medigap Plan F, you'll likely not have to worry about out-of-pocket costs for covered Medicare services. This level of coverage makes Plan F a favored option – it provides peace of mind and security against unforeseen medical bills, which can be particularly reassuring.

It's important to note that Plan F is considered one of the more premium options in terms of cost, with monthly premiums ranging between $124 - $1,025 per month. However, many find that the price is justified by the breadth of coverage it offers. Investing in Plan F can be seen as safeguarding against potential medical expenses that could significantly impact your finances, providing a safety net that many Medicare enrollees value.

In addition to Medigap Plan F covering 80% of foreign travel health emergencies, Plan F covers 100% of the following costs:

• Part A coinsurance and hospital stay costs.

• Part B copays and coinsurance.

• Blood (first three pints).

• Part A hospice care coinsurance or copayment.

• Skilled nursing facility care coinsurance.

• Part A deductible.

• Part B deductible.

• Part B excess charges.

• 80% foreign travel health emergencies. Deductible and limitations apply.

Medigap Plan G

In Iowa, many Medicare enrollees are making a wise choice for their healthcare needs. Over 111,255 or 37.29% of Medigap enrollees in Iowa have turned to Medicare Plan G, making it a standout option in the community.

But what's the draw? Plan G shields enrollees from surprising and often substantial medical expenses. It achieves this by covering the costs that Original Medicare does not, except for the Medicare Part B deductible. Once you’ve met your Part B deductible, Medigap Plan G will cover copayments, coinsurance, and deductibles for Medicare Parts A and B. If you’re not eligible for Plan F, Plan G offers the second most comprehensive coverage and is often the most popular Plan F alternative.

Each coverage choice is made by considering the costs. Fortunately, Plan G is designed with affordability in mind. Medicare Supplement Plan G premiums range between $102 - $938 per month. While premiums can vary based on factors like your age, gender, smoking history, and more, many find Medigap Plan G a cost-effective solution. Shopping around and comparing plans from different insurance companies is essential to get the best rate.

In addition to Medigap Plan G covering 80% of foreign travel health emergencies, Plan G covers 100% of the following costs:

• Part A coinsurance and hospital stay costs.

• Part B copays and coinsurance.

• Blood (first three pints).

• Part A hospice care coinsurance or copayment.

• Skilled nursing facility care coinsurance.

• Part A deductible.

• Part B excess charges.

• 80% foreign travel health emergencies. Deductible and limitations apply.

Medigap Plan N

In Iowa, Medigap Plan N is a popular option among Medicare beneficiaries looking for supplementary Medicare insurance. With approximately 9,157, or 3.07% of Medigap enrollees choosing Plan N, it's clear that this plan has struck a chord with those seeking additional coverage. While it may not offer comprehensive coverage, like Plan F or Plan G, Medigap Plan N provides considerable protection at a cost that many find reasonable.

Plan N's appeal stems from its ability to protect against medical expenses without breaking the bank. Medicare Supplement Plan N premiums range from $75 - $586 per month. Plan N represents a middle ground for those who need more than what Original Medicare offers but are looking for a more affordable option. As you consider your insurance needs, remember the importance of weighing the benefits against the costs to find the right plan for you.

This is what Medigap Plan N covers at 100%:

• Part A coinsurance and hospital stay costs.

• Part B coinsurance (copayments are up to $20 per office visit and up to $50 per emergency room visit; waived if admitted).

• Blood (first three pints).

• Part A hospice care coinsurance or copayment.

• Skilled nursing facility care coinsurance.

• Part A deductible.

• 80% foreign travel health emergencies. Deductible and limitations apply.

Other Popular Medigap Plans

Medigap Plan C

In Iowa, Medigap Plan C is a highly regarded option among Medicare beneficiaries seeking additional coverage. Its comprehensive benefits and robust protection against out-of-pocket costs have become a favorite for those looking to enhance their Original Medicare coverage. While Medigap Plan C is not available to individuals newly eligible for Medicare after January 1, 2020, those already eligible before that date can still enroll and enjoy its extensive benefits. If not, Medigap Plan D and Plan G are your closest Medigap alternatives.

Medigap Plan C stands out for its ability to cover a wide range of medical expenses, offering peace of mind to policyholders. Medicare Supplement Plan C premiums generally range from $159 - $840 per month, depending on factors such as location and provider. Plan C balances comprehensive coverage and predictable costs for those who qualify, making it a solid choice for Medicare beneficiaries focused on reducing financial uncertainty. When evaluating your options, understanding a plan's benefits and costs is critical in determining the best fit for your healthcare needs.

This is what Medigap Plan C covers at 100%:

• Part A deductible.

• Part A coinsurance and hospital costs.

• Part A hospice care coinsurance or copayment.

• Part B deductible.

• Part B coinsurance or copayment.

• Skilled nursing facility care coinsurance.

• First three pints of blood.

• 80% of foreign travel healthcare emergencies (deductible and limitations apply).

Medigap Plan K

In Iowa, Medigap Plan K is a viable option for Medicare beneficiaries seeking supplementary Medicare insurance at a lower cost. With its focus on cost-sharing, Plan K appeals to individuals seeking affordable coverage while maintaining some financial responsibility for their care. Though it doesn't provide comprehensive coverage of options like Plan F or Plan G, it strikes a balance for those looking to save on premiums while still receiving essential medical support.

Medigap Plan K stands out due to its lower premium rates, which typically range from $49 - $325 per month, making it one of the more budget-friendly options. Covering a percentage of certain costs rather than the full amount, Plan K can reduce out-of-pocket expenses without committing to higher monthly premiums. Plan K is worth considering for those comfortable with some cost-sharing and seeking an affordable path to extra coverage.

Here’s what Medigap Plan K covers:

• 50% coverage for the Part A deductible.

• 100% coverage for Part A coinsurance and hospital stay costs.

• 50% coverage for Part A hospice care coinsurance or copayment.

• 50% coverage for Part B coinsurance or copayment.

• 50% coverage for skilled nursing facility care coinsurance.

• 50% coverage for blood (first three pints).

Additionally, Plan K includes an out-of-pocket annual limit, which provides a financial safety net. Once this limit is reached, Plan K will cover 100% of the services for the remainder of the year. This feature ensures peace of mind for beneficiaries facing higher medical costs within a year.

Medigap Plan B

In Iowa, Medigap Plan B is a reliable choice for Medicare beneficiaries seeking supplementary Medicare insurance. With a smaller but significant number of enrollees opting for Plan B, this plan offers a straightforward and valuable option for additional coverage. While it doesn't provide as extensive coverage as Plans F or G, Medigap Plan B strikes the right balance for those looking for essential protection at a manageable cost.

Medigap Plan B appeals to beneficiaries who prefer simplicity and targeted coverage. The monthly premiums for Medigap Plan B typically range from $138 - $831 per month, offering an affordable option for those who seek more than what Original Medicare covers without taking on comprehensive supplemental insurance. Evaluating your healthcare needs against the benefits of each Medigap plan is critical to making the best choice for your circumstances.

Here’s what Medigap Plan B covers at 100%:

• Part A deductible.

• Part A coinsurance and hospital stay costs.

• Part A hospice care coinsurance or copayment.

• Blood (first three pints).

• Skilled nursing facility care coinsurance.

2025 Coverage of All Medigap Plans in Emerson, Iowa

2025 Costs of the Top 5 Medicare Supplement Plans in Emerson, Iowa

A notable feature of Medigap plans is their standardization by Medicare. This means that the basic benefits of a particular Medigap plan are the same across all insurance companies.

However, while coverage is standardized, costs are not. The monthly premium for a Medigap plan can vary based on factors such as your age, gender, the insurance company you choose, and your state of residence.

These are the top five Medicare Supplement plans in Emerson, by enrollment. Click on the links below to review more details about the plan.

2025 Costs of Top 5 Medicare Supplement Plans in Emerson, Iowa

2025 Costs of All Medicare Supplement Plans in Emerson, Iowa

When to Enroll in Medicare Supplement in Emerson, Iowa

The Medigap Open Enrollment Period is the best time to enroll in a Medigap (Medicare Supplement) plan. This enrollment period only happens once, will never repeat, and is unique to you. It’s the 6-month window beginning when you turn 65 or older and are enrolled in Original Medicare Part B. However, you can apply 60 days before your 65th birthday.

The Medigap Open Enrollment Period is the best enrollment time because you have guaranteed issue rights. Guaranteed Issue Rights means you cannot be denied a policy due to current or past medical conditions. When your Medigap Open Enrollment Period ends, your options to purchase a Medigap policy could be limited, cost more, or be denied coverage due to medical underwriting.

Where to Sign Up for Medicare Supplement (Medigap) in Emerson, Iowa

You could sign up for a Medigap plan in several ways. You could choose your plan through Medicare’s website, speak with someone from a local SHIP, enroll directly with an insurance company, or enroll with an insurance broker or agent. We know you have options, and we hope that you’ll contact a local licensed Connie Health agent to speak about your Medicare healthcare needs.

With Connie Health, you can compare Medigap plans online or by speaking with a licensed Connie Health agent in your community. A local licensed agent can discuss your Medigap plan options via phone, in person (a local place of your choosing), or via video chat, whichever you prefer. Call 1-888-814-11201-888-814-1120 to schedule an appointment or review your Medicare Supplement options online.