Iowa Health Insurance

Health Insurance Overview

Iowa residents have many options for health care coverage. There are numerous Iowa insurance providers to choose from, along with a variety of Iowa medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Iowa health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Iowa medical insurance from the best Iowa insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Iowa health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Iowa health insurance programs, and even details on some of the top Iowa insurance providers.

To compare specific Iowa medical insurance plans offered by the various Iowa insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Iowa health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Iowa health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Iowa? Find your state here.

Iowa Health Insurance Facts & Statistics

Total Iowa Residents – 3,001,300

Total Health Insurance Coverage In Iowa:
Employer – 55%
Individual – 6%
Medicaid – 14%
Medicare – 13%
Other Public – 1%
Uninsured – 11%

Average Individual Monthly Premiums – $210

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 23%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,078

Average adjusted hospital cost per inpatient day – $1,288

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Iowa Medical Insurance Laws, Regulations & Policies

There are several Iowa health insurance laws and regulations that are put in place to protect policyholders living in the state, and Iowa insurance providers are required to follow set guidelines.

According to state law, every Iowa medical insurance plan is guaranteed renewable, which means that insurance companies cannot cancel coverage if a policyholder gets sick or injured. All Iowa health insurance plans must also cover certain medical care, including:

  • Mammograms
  • Medical care for pregnant women
  • Contraceptives
  • Vaccinations for children

Iowa residents who are denied health insurance due to pre-existing conditions can receive coverage through the state’s high risk pool, the Iowa Comprehensive Health Association (HIPIowa-FED).

Individuals looking for coverage after leaving a former employer’s group health plan are protected by the federal law HIPAA. Iowa insurance providers are not allowed to exclude coverage or impose waiting periods for those who are eligible. Iowa residents also have a right to stay on their group plan after they leave a job, for a temporary period, according to the federal law COBRA.

The state also requires Iowa insurance providers to follow mental health parity, which means that coverage limits and maximums for mental health conditions must be set equal to those for physical conditions.

Iowa Health Insurance Resources

Iowa Department of Health Access to Health Care

This page contains a list of services available through the Iowa Department of Public Health. Visit the website.

Iowa Department of Health Divisions, Bureaus and Programs

This page contains an alphabetical listing of divisions, bureaus and programs within the Iowa Department of Public Health. Visit the website.

Iowa Program for Children’s Dental Care

The Iowa Department of Public Health provides funding to child health agencies to improve access to dental services, as well as to provide basic direct dental services to low-income children. Visit the website.

Iowa Insurance Division Consumers Affairs Bureau

Includes information on health care and insurance topics for consumers in Iowa. Visit the website.

Iowa’s Senior Health Insurance Information Program

Iowa’s Senior Health Insurance Information Program can provide answers to questions on Medicare, Medicare supplement insurance, long-term care insurance, and other health insurance issues. Visit the website.

Iowa Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Iowa with pre-existing conditions can get health insurance coverage through the HIPIowa-FED program. This works similar to regular Iowa health insurance plans and requires enrollees to pay monthly premiums and out-of-pocket costs.

Enrollees in the Iowa HIPIowa-FED program pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly cost for Iowa residents ranges from around $117 to $740 a month, with a $1,000 deductible for services which must be met before the program will start covering benefits. Residents who are eligible for the Iowa plan get access to health insurance coverage for hospital and doctor visits, emergency services, prescription drugs, and more.

Individuals may apply for the HIPIowa-FED program if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Iowa health insurance high risk pool visit https://www.hipiowa.com/Default.asp.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Iowa Medical Insurance and Health Care Programs

The state of Iowa offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    The Iowa Medicaid program offers health care coverage for low-income, blind and disabled residents. To learn more about the Iowa program, visit the Iowa Medicaid Enterprise online.
  • hawk-i
    hawk-i is Iowa’s state Children’s Health Insurance Program (SCHIP). Through this program, low-income children under the age of 19 can receive health insurance benefits if they do not qualify for Medicaid. To learn more about this Iowa health insurance program, visit the hawk-i website.
  • Iowa Care For Yourself
    Also known as the Iowa Breast and Cervical Cancer Early Detection Program, this program provides free cancer screening for low-income women. Women who are diagnosed with breast or cervical cancer through this program will also qualify for health care coverage through Medicaid. For more information about this Iowa medical insurance program for women, click here.
  • Iowa Medicare
    Seniors can find Iowa health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

Some trade workers and early retirees may qualify for the Federal Health Coverage Tax Credit to help pay up to 65% of health plan premiums for themselves and their families.

Iowa Insurance Providers

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Companion Life Insurance Company Health Insurance

Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. It has been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

Wellmark Blue Cross and Blue Shield of Iowa Health Insurance

Wellmark Blue Cross and Blue Shield and its subsidiaries provide health insurance to more than 2 million members in Iowa and South Dakota, utilizing its network of more than 60,000 pharmacies nationwide. Wellmark offers various plan types that include PPOs, HSAs, and short-term health insurance.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Iowa Department of Insurance and Department of Public Health

Find the contact information for the Iowa health insurance and public health departments at:

Iowa Insurance Division
330 Maple St.
Des Moines, IA 50319-0065
Phone: (515) 281-5705
http://www.iid.state.ia.us/

Iowa Department of Public Health
321 E. 12th Street
Des Moines, IA, 50319-0075
Phone: (515) 281-7689
http://www.idph.state.ia.us/