Iowa Health Insurance
As a resident of Iowa, you have plenty of Iowa health insurance options to choose from. There are multiple insurance companies in Iowa that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Iowa. See some of the state's top health insurance companies and read about the important Iowa health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Iowa health insurance programs.
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Resources on this page
Iowa Health Insurance Laws and Regulations
Public Health Insurance Programs for Iowa Residents
Iowa Health Insurance High Risk Pools
Iowa Health Insurance Companies
Contact Info for the Iowa Department of Insurance and Department of Health Services
Iowa Health Insurance Laws and Regulations
Under state law, Iowa health insurance companies must follow certain guidelines and regulations. For instance, Iowa health insurance plans are guaranteed renewable in the state meaning insurance companies cannot cancel health coverage if a policyholder gets sick or injured.
For Iowa residents who are denied health insurance, they can receive coverage through the state's high risk pool, the Iowa Comprehensive Health Association.
Individuals looking for coverage after leaving a former employer's group health plan are protected by the federal law, HIPAA. This law forbids insurers from imposing coverage waiting periods or exclusion periods for those who are HIPAA-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.
Iowa health insurance laws also require that all health plans cover certain medical care, such as:
- Mammograms
- Care for pregnant women
- Contraceptives
- Vaccinations for children
In Iowa, insurers must also follow mental health parity, which means mental health conditions receive the same benefits as physical ailments.
Iowa Public Health Insurance Programs
There are a few different public Iowa health insurance programs that help low-income residents get health insurance coverage.
- Medicaid
Through Medicaid, low-income, blind, and disabled residents of Iowa can get health coverage. For more information, visit the Iowa Medicaid Enterprise online.
- hawk-i
This is Iowa's state Children's Health Insurance Program (SCHIP) which provides health insurance for low-income children under the age of 19 if they do not qualify for Medicaid. To learn more about the Iowa health insurance program, hawk-i, visit them online.
- Iowa Care For Yourself
This program, also known as the Iowa Breast and Cervical Cancer Early Detection Program, provides free cancer screening for low-income women. If a woman is diagnosed with breast or cervical cancer through this program, they qualify for health coverage through Medicaid. For more information about this Iowa health insurance program, visit the program online. - Iowa Medicare
Seniors can find Iowa health insurance through Medicare Advantage, Supplement and Original Medicare.
Also, the Federal Health Coverage Tax Credit pays for 65 percent of health plan premiums for Iowa trade workers and early retirees. Find out more online here.
Iowa Health Insurance High Risk Pools
Iowa residents with pre-existing conditions will be able to get health insurance coverage from the temporary high risk pools set up by the Patient Protection and Affordable Care Act.
The Iowa health insurance program will be referred to as HIPIowa-FED. The program will run similar to Iowa health insurance plans and require enrollees to pay monthly premiums and out-of-pocket costs.
HIPIowa-FED will cost Iowa residents around the same that people without pre-existing conditions pay for health insurance. The estimated monthly cost for Iowa residents will range from around $117 to $740 a month. The deductible for the plan will be $1,000 which must be met before the program will start covering benefits.
Iowa residents with pre-existing conditions will have health insurance coverage for prescription drugs, doctor and hospital visits, emergency services and more.
Individuals are eligible to apply for the Iowa program if they are a United States citizen, have been uninsured for six months and have a pre-existing condition.
For more information on the Iowa health insurance high risk pool visit http://www.healthcare.gov/index.html.
The following list of companies offer health insurance plans in Iowa:
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 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. They have 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, a 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, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Standard Security Life Health Insurance
Started in 1978, IAC offers management services to large companies who self-insure.
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 UnitedHealthcare company, has been offering affordable health insurance solutions for over 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 over 2 million members in Iowa and South Dakota, utilizing their network of over 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.
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/
