Iowa Medicare Part D Plans

Making sense of Iowa Medicare Part D Plans for 2014Iowa Medicare Part D

If you spend any amount of time comparing Medicare Part D Plans, the first thing you’ll notice is that they are not the same. There are significant differences between the 29 Part D Plans available in Iowa for 2014.

Differences between plans include:

  • A wide range of monthly premiums
  • Deductibles ranging from $0 to $310
  • Different copayment and coinsurance amounts
  • Formularies (list of covered drugs) vary from plan to plan
  • Differences in networks, mail order and ancillary coverage

Given the differences between Medicare drug plans, choosing the wrong plan could be very costly. Each year people mistakenly choose a Part D Plan based on premium alone. This often leaves people locked into a plan for the calendar year that may not cover their prescriptions or cost them significantly more than a n alternative option.

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The following list gives important details on all 32 Part D Plans available in Iowa. Review the following list as a starting point to narrow your options in order to find the best Part D Plan for your circumstances.

 

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Iowa Medicare Part D for 2014


Aetna Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Aetna CVS/pharmacy Prescription Drug Plan (PDP)Basic $31.40 $310.00No Gap CoverageComing Soon
Aetna Medicare Rx Premier (PDP)Enhanced $140.60 $0Few GenericsComing Soon



Cigna Medicare Rx

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna Medicare Rx Secure (PDP)Basic $31.80 $310.00No Gap CoverageComing Soon
Cigna Medicare Rx Secure-Max (PDP)Enhanced $117.90 $0Many Generics, Some BrandsComing Soon
Cigna Medicare Rx Secure-Xtra (PDP)Enhanced $70.10 $0No Gap CoverageComing Soon



Cigna-HealthSpring

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna-HealthSpring Rx -Reg 25 (PDP)Basic $50.00 $310.00No Gap CoverageComing Soon



EnvisionRx Plus

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
EnvisionRxPlus Silver (PDP)Basic $33.40 $310.00No Gap CoverageComing Soon



Express Scripts Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Express Scripts Medicare – Choice (PDP)Enhanced $70.60 $0No Gap CoverageComing Soon
Express Scripts Medicare – Value (PDP)Basic $41.70 $310.00No Gap CoverageComing Soon



First Health Part D

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
First Health Part D Essentials (PDP)Basic $50.50 $310.00No Gap CoverageComing Soon
First Health Part D Premier Plus (PDP)Enhanced $105.20 $0Some Generics, Some BrandsComing Soon
First Health Part D Value Plus (PDP)Enhanced $39.90 $0No Gap CoverageComing Soon



HealthMarkets Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
HealthMarkets Value Rx (PDP)Basic $30.70 $310.00No Gap CoverageComing Soon



Humana Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Humana Enhanced (PDP)Enhanced $43.40 $0Few BrandsComing Soon
Humana Preferred Rx Plan (PDP)Basic $22.80 $310.00No Gap CoverageComing Soon
Humana Walmart Rx Plan (PDP)Enhanced $12.60 $310.00No Gap CoverageComing Soon



Stonebridge Life Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Transamerica MedicareRx Choice (PDP)Enhanced $55.70 $0No Gap CoverageComing Soon
Transamerica MedicareRx Classic (PDP)Basic $48.30 $310.00No Gap CoverageComing Soon



Symphonix Health

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Symphonix Value Rx (PDP)Basic $30.30 $310.00No Gap CoverageComing Soon



UniCare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
MedicareRx Rewards Standard (PDP)Basic $59.30 $310.00No Gap CoverageComing Soon



United American Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
United American – Enhanced (PDP)Enhanced $72.40 $20.00No Gap CoverageComing Soon
United American – Select (PDP)Basic $42.60 $310.00No Gap CoverageComing Soon



United Healthcare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
AARP MedicareRx Enhanced (PDP)Enhanced $105.10 $0Some Generics, Some BrandsComing Soon
AARP MedicareRx Preferred (PDP)Enhanced $46.40 $0No Gap CoverageComing Soon
AARP MedicareRx Saver Plus (PDP)Basic $26.90 $310.00No Gap CoverageComing Soon




WellCare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
WellCare Classic (PDP)Basic $23.00 $0No Gap CoverageComing Soon
WellCare Extra (PDP)Enhanced $56.20 $0No Gap CoverageComing Soon



Wellmark Blue Cross and Blue Shield of Iowa

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
MedicareBlue Rx Premier (PDP)Enhanced $106.30 $0Many GenericsComing Soon
MedicareBlue Rx Standard (PDP)Basic $41.90 $160.00No Gap CoverageComing Soon



 
 

Stand-Alone Part D is not the only way to get Medicare drug coverage

The above list is relevant if you choose to receive your health coverage from original Medicare or if you have purchased a Medigap policy. But you may choose to enroll in a Medicare Advantage Plan. Many Medicare Advantage Plans include Part D coverage. If you have decided to enroll in an Advantage Plan be sure to review the Part D formulary for that plan as it may vary from a stand-alone plan offered by the same company.

In either case, the plan’s formulary is the most important aspect of the plan. Choosing a plan that does not include your prescription drugs would not make any sense and could cost you a lot of money.

When comparing 2014 Iowa Medicare Part D plans take some time to visit each plan’s website to review the formulary, pharmacy network and mail order options available.

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