Key Takeaways
- Iowa requires a 6-month open enrollment period for Medicare Supplement starting at age 65
- Iowa does NOT have a Birthday Rule like California
- Medicare Supplement plans must be standardized (Plans A through N)
- Guaranteed issue rights apply in specific situations
Last updated: January 2026
Iowa Medicare Supplement (Medigap) Regulations
Iowa follows federal Medicare Supplement standards.
Open Enrollment Period
Iowa provides a 6-month open enrollment period for Medicare Supplement:
When It Begins
The 6-month period starts:
- First day of the month you are 65 or older AND
- Enrolled in Medicare Part B
Protections During Open Enrollment
- Guaranteed issue - Must be accepted regardless of health
- No pre-existing condition exclusions during this period
- Standard rates - Cannot be charged more for health conditions
Standardized Plans
Iowa requires Medigap plans to be standardized per federal requirements:
| Plan | Benefits |
|---|---|
| Plan A | Basic benefits only |
| Plan B | Basic + Part A deductible |
| Plan G | Like F without Part B deductible |
| Plan K | 50% cost sharing, out-of-pocket max |
| Plan L | 75% cost sharing, out-of-pocket max |
| Plan N | Cost sharing, copays for visits |
Guaranteed Issue Rights
Beyond open enrollment, Iowa provides guaranteed issue rights when:
- Losing employer coverage
- Leaving Medicare Advantage
- Medicare Advantage plan leaves area
- Medigap insurer becomes insolvent
Test Your Knowledge
Does Iowa have a Birthday Rule for Medicare Supplement like California?
A
B
C
D
Test Your Knowledge
How long is the open enrollment period for Medicare Supplement in Iowa?
A
B
C
D