Wellmark Blue Cross Blue Shield of Iowa – Overview
The Wellmark Blue Cross Blue Shield of Iowa is a private, not-for-profit mutual insurance company in the US. It has over 2 million members spread across Iowa and major parts of South Dakota. It is the state’s largest provider of health insurance plans and is an independent Blue Cross Blue Shield Association licensee. It was founded in 1939 and offered comprehensive medical insurance, including life, health, and dental insurance.
Wellmark Blue Cross Blue Shield has more than 1,700 employees working to improve healthcare initiatives in the state.
Blue Cross Blue Shield Wellmark Medicare Advantage Plans
Wellmark Blue Cross Blue Shield in Iowa offers extensive medical insurance coverage through its various Medicare plans. Let’s take a quick look at the individual plans offered under Medicare Advantage by Wellmark Blue Cross Blue Shield in Iowa:
#1. Blue Medicare Advantage (PPO) Plan – This Medicare Advantage insurance plan from Wellmark comes with zero monthly premium, a no-cost copay for primary care visits to doctors and more. This Medicare plan offers up to USD 40 copay for specialist visits, up to USD 45 as a copay for urgent medical care services, and up to USD 90 as a copay for emergency care services.
Besides this, this PPO Medicare Advantage plan offers up to USD 3,750 per year for in-network and up to USD 6,700 per year for in- and out-of-network healthcare visits. To find out additional benefits of the Blue Medicare Advantage PPO plan, you can check out the official website here https://www.wellmark.com/medicare/advantage/benefits.
#2. Blue Medicare Advantage Enhances PPO Plan – This Medicare Advantage plan from Wellmark Blue Cross Blue Shield of Iowa comes at an affordable USD 49 monthly premium. It has zero medical deductibles and does not require a copayment for visits to primary care doctors.
Under this plan, you will receive up to USD 25 as a copay for visits to a medical specialist, up to USD 35 as a copay for urgent care visits, and up to USD 90 as a copay for emergency room visits. You can find out the wide range of additional benefits under the Wellmark Blue Medicare Advantage Enhanced PPO plan at this link https://www.wellmark.com/medicare/advantage/benefits.
#3. Blue Medicare Advantage HMO Plan – This Medicare Advantage plan comes at zero monthly premiums, medical deductible, and the copay for visits to primary care providers. Besides this, you will also receive up to USD 35 as a copay for visits to a medical specialist, up to USD 45 as a copay for visits to urgent care, and up to USD 90 as a copay when you seek emergency medical care.
In addition, you are also eligible for up to USD 3,450 per year as an out-of-pocket maximum for in-network medical and healthcare services. To find additional details about this plan, you can visit the official link here https://www.wellmark.com/medicare/advantage/benefits.
Blue Cross Blue Shield Wellmark Medicare Supplement Plans
The Wellmark Blue Cross Blue Shield of Iowa offers three different types of Medicare Supplement health insurance plans under MedicareBlue Supplement. These plans act as coverage for unexpected medical expenses that are not covered by Original Medicare, such as coinsurance, deductibles, and copays.
All three Medical Supplement plans offer distinct benefits but share some common advantages, such as predictable premiums, a nationwide network of doctors and hospitals that are members of Medicare, and local customer support services for members round-the-clock.
Let’s take a quick look at the different types of Medicare Supplement plans offered by Wellmark Blue Cross Blue Shield of Iowa:
#1. Plan G – This plan starts at USD 145.80 per month and offers a 10% household discount. Under this plan, you are eligible to receive complete coverage for basic benefits, such as hospitalization, medical, and hospice care costs. It also covers the cost of skilled nursing care facilities through a coinsurance amount for a stay.
Besides this, the insurance plan also pays up to USD 1,600 deductible, Medical Part B Excess charges, and covers foreign travel medical emergencies.
#2. High Deductible Plan G – This Medicare Supplement plan is available starting at USD 58.30 per month and covers complete medical care expenses once you have met the USD 2,780 deductible. This plan also offers all the benefits under Plan G, such as basic benefits, skilled nursing facility charges, Hospital Part A, and Medical Part B Excess.
#3. Plan N – This plan starts at USD 115.20 per month and includes copays for office visits. Under this plan, you get complete coverage for the cost of hospitalization, hospice care and medical care, and staying at a skilled nursing facility. Besides this, Plan F also pays up to USD 1,600 as a deductible and covers emergency care when traveling outside of the United States.
#4. Plan F – This Medicare Supplement insurance plan starts at USD 161.60 per month but is only available to those with Medicare before 1st January 2020. This plan offers complete coverage for the cost of hospitalization, medical care, and hospice (rehabilitative) care. It also offers USD 1,600 deductible towards your payments and pays up to USD 226 as deductible under Medical Part B. This insurance plan also covers the cost of Medical Part B Excess, which are over the Medicare-approved amount. In addition, this insurance plan also offers coverage for emergency medical care while traveling outside the US.
#5. Plan D – The Plan D Medicare Supplement plan starts at USD 145.90 per month premium, which is higher than others but comes with no copays. This insurance plan covers the expenses incurred for medical care, hospitalization and hospice care, besides paying coinsurance for staying at a skilled nursing facility.
Under this plan, you receive USD 1,600 towards your deductible under Hospital Part A and also cover emergency medical care expenses on a trip outside the country.
#6. Plan A – This Medicare Supplement plan from Wellmark starts at USD 237.80 monthly. Though it is comparatively more expensive, it offers basic coverage with guaranteed acceptance. This medical insurance plan completely covers medical care, hospitalization, and hospice care expenses. However, you must copay for additional services, such as a stay at the skilled nursing facility, Medical Part B, Hospital Part A, and Medical Part B Excess expenses.
Conclusion
The Wellmark Blue Cross Blue Shield of Iowa is the state’s largest provider of health insurance plans. It serves millions of individuals of all ages across the state by providing access to top-quality healthcare and medical care services at extremely affordable prices. It offers a plethora of products that fulfill all your medical insurance coverage needs for individuals, families, employers, and groups.
See Also
Blue Cross Blue Shield of New Mexico
Blue Cross Blue Shield of Nebraska
Blue Cross Blue Shield of South Carolina
Blue Cross Blue Shield of Georgia
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