Aetna Medicare Advantage Plans Iowa 2025

If you’re exploring Aetna Medicare Advantage plans in Iowa, you need to know what your choices are and how they fit your health needs. Aetna offers a variety of plan options including HMO, PPO, SNP, and D-SNP, each designed to cater to the diversity of healthcare preferences in Iowa’s communities.

But what does that mean for you? In this article, we’ll dive into the details of each plan type, discuss the network specifics, and unpack additional benefits so you can navigate your Aetna Medicare Advantage plans Iowa choices with confidence.


Key Takeaways

  • Aetna offers a variety of Medicare Advantage plans in Iowa, including HMO, PPO, SNP, and D-SNP, with coverage ranging from hospital services and doctor visits to medications, depending on the specific plan and county availability.


  • Key parameters like CMS Star Ratings, member satisfaction, and network size are vital for comparing Aetna’s Medicare Advantage plans in Iowa, highlighting their quality and performance, with many plans rated 4 stars or higher reflecting high-quality services.


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Aetna Medicare Advantage Plans in Iowa: An Overview

Aetna, a trusted name in healthcare, provides a range of Medicare Advantage plans for Iowa residents through the Aetna Medicare website. These options include:


  • Health Maintenance Organization (HMO)
  • Preferred Provider Organization (PPO)
  • Special Needs Plans (SNP)
  • Dual Eligible Special Needs Plans (D-SNP)


Each of these plans caters to different healthcare requirements and preferences, thereby offering a personalized approach to healthcare coverage. Aetna’s Medicare Advantage plans cover residents in various Iowa counties such as Adair, Adams, Allamakee, Appanoose, Audubon, and Benton, among others.


Aetna Medicare Advantage Plans in Iowa- An Overview

Bear in mind, that not all Aetna Medicare Advantage plans may be accessible to you, depending on your specific location in Iowa. Thus, you should confirm the plan’s availability in your county. Also, Medicare Advantage plus prescription drug plans are part of the offerings in Iowa, where they help cover costs for:


  • hospital services
  • doctor visits
  • lab tests
  • preventive screenings
  • medications.


HMO Plans

Aetna’s HMO Medicare Advantage plans in Iowa stand out due to their specificity in healthcare coverage. As a member of an HMO plan, you are required to utilize a specified network of doctors and hospitals for your healthcare needs. This implies that the members have to choose their healthcare services from a predetermined list of providers, ensuring a streamlined and efficient approach to healthcare management.

In addition to the specific network of providers, members enrolled in Aetna’s HMO plans in Iowa are also required to:


  • Select a primary care physician (PCP) who will manage their care, including providing referrals to network specialists.
  • Receive prescription drug coverage.
  • Receive benefits for over-the-counter health products.


This combination of structured healthcare management, prescription drug coverage, and plan benefits for health products makes HMO plans an attractive choice for many Iowans.


PPO Plans

On the other end of the spectrum, Aetna’s PPO Medicare Advantage plans in Iowa provide the benefit of flexibility. Unlike HMO plans, PPO plans allow members to see any provider without needing a referral, thereby granting them the freedom to choose their healthcare providers. This choice extends to both in-network and out-of-network visits, providing a broad scope of healthcare options.

However, it’s worth noting that accessing out-of-network providers may result in higher costs compared to in-network services. Despite this, the flexibility offered by Aetna’s PPO plans is a significant draw for many. Furthermore, Aetna PPO plans generally include additional benefits such as dental, vision, and hearing, enhancing the value beyond standard Medicare coverage.


SNP and D-SNP Plans

For individuals with specific chronic conditions or special healthcare needs, Aetna offers Special Needs Plans (SNP) in Iowa. These specialized care plans provide a tailored approach to healthcare, addressing the unique needs of each member. SNPs are specifically designed to help manage chronic conditions and ensure that the healthcare services are suited to the member’s health status.

Moreover, Dual Eligible Special Needs Plans (D-SNPs) are available to members who are eligible for both Medicare and Medicaid.

These plans offer additional benefits and services, including Medicaid services, designed specifically for individuals who have both Medicare and Medicaid, addressing their complex health requirements. Such tailored plans demonstrate Aetna’s commitment to providing comprehensive healthcare solutions that cater to the diverse needs of Iowa’s residents.

Comparing Aetna Medicare Advantage Plans in Iowa

The selection of a Medicare Advantage plan requires a comparison of available options using certain key parameters. These parameters include CMS Star Ratings, member satisfaction, and network size. Each of these factors plays a significant role in determining the quality and performance of the plan.


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Aetna’s Medicare Advantage plans in Iowa have received varying CMS Star Ratings, reflecting the plans’ overall quality and performance. Member satisfaction with Aetna Medicare Advantage plans typically reflects the quality of care, customer service, and plan responsiveness.

Moreover, Aetna has an extensive provider network in Iowa, which gives Medicare Advantage plan holders access to numerous doctors and healthcare facilities.

Additionally, Aetna’s Medicare Advantage plans offer various additional perks such as SilverSneakers fitness programs, telehealth services, and vision, dental, and hearing aids coverage. These extra perks provide additional value to the members and go beyond the traditional healthcare coverage offered by Original Medicare.


CMS Star Ratings

The CMS Star Ratings for Medicare Advantage plans range from 1 to 5, with 5 being the highest possible score. These ratings are an important parameter in assessing the quality and performance of a plan.

In Iowa, 87% of Aetna Medicare Advantage members are enrolled in plans rated 4 stars or higher by CMS. This demonstrates the high quality of Aetna’s Medicare Advantage plans in the state.

Further, the Aetna National PPO contract holds a 4-star rating, while Aetna Health of Iowa Inc. (HMO) has earned a 4.5-star rating for 2024. Aetna Medicare Advantage plans have been notably awarded 5 stars in the category of Care Coordination, an indicator of the high-quality outcomes from strong performance measures. These ratings underscore Aetna’s commitment to providing top-notch healthcare services to its members.


Member Experience

Member experience is a crucial aspect of any healthcare plan. It reflects the quality of care, customer service, and plan responsiveness. Aetna has seen nearly a one-star improvement in the Member Experience (CAHPS) survey domain since the previous year for their Medicare Advantage plans. This improvement indicates the company’s commitment to enhancing its members’ experience and satisfaction.

However, specific insights into member experiences with Aetna Medicare Advantage plans in Iowa are not readily available, indicating a need for more detailed, localized research or surveys. This information would provide a more comprehensive understanding of member satisfaction with Aetna’s Medicare Advantage plans in the state.


Network Size

The size and accessibility of the healthcare provider network are significant factors to consider when choosing a Medicare Advantage plan. Aetna Medicare Advantage plans in Iowa include HMO-POS and PPO options, which offer different levels of network size and flexibility. The range of network types such as HMO-POS and PPO influences the variety of accessible healthcare providers for plan members.

Keep in mind that the networks associated with Aetna’s Medicare Advantage plans may vary across different service areas in Iowa. Consequently, when selecting a plan, you should confirm the network’s size and the availability of preferred providers in your locality.

Extra Benefits of Aetna Medicare Advantage Plans

In addition to regular health coverage, Aetna’s Medicare Advantage plans offer a range of extra benefits. These benefits add value to the plans and enhance the overall healthcare experience for members.

For instance, Aetna D-SNPs in Iowa support members with allowances for everyday expenses such as healthy foods and utilities, with added benefits that may include financial help for rent. This is a testament to Aetna’s commitment to not just physical health, but also the financial well-being of its members.


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Moreover, members of Aetna Medicare Advantage plans also benefit from:

  • $0 copay for covered Part D medications
  • Access to annual Healthy Home Visits and Wellness Visits, strengthening health and wellness support
  • The Extra Supports Wallet feature in Aetna D-SNPs, gives members financial flexibility for a variety of approved expenses, such as mortgage, utilities, and even pet care supplies
  • Aetna’s commitment to preventive healthcare is also reinforced by offering members the ‘Welcome to Medicare’ visit for early engagement in health maintenance within their network.


Resources For Living®

Aetna’s Resources For Living program is an inclusive service that provides support to Medicare Advantage plan members and their loved ones. This program offers speedy referrals to local resources, thereby assisting members in finding a wide range of services, including at-home support, caregiver assistance, and opportunities for social engagement such as meal services and senior center activities.

To access the services referred by Resources For Living, members need to call a designated number, where consultants will provide them with researched options according to their needs. While using the Resources For Living referral service does not incur a charge, members will need to pay for any external services they elect to use following the referral.

This service is an excellent example of Aetna’s comprehensive approach to healthcare, extending beyond traditional medical care and addressing members’ social and practical needs.


SilverSneakers® Fitness Membership

Physical activity is a vital component of healthy aging, and Aetna’s Medicare Advantage plans recognize this by including a SilverSneakers membership. This membership grants access to over 16,000 participating fitness facilities nationwide without any additional fees or copayments included in the plan’s monthly premium.

This means that members can enjoy the amenities typically available to regular gym members, including the use of swimming pools, exercise equipment, and participation in group classes.

The fitness options available through SilverSneakers extend beyond traditional facilities. The SilverSneakers FLEX program offers a variety of classes such as line dance, Latin-style dance, and walking groups. Furthermore, members can utilize the SilverSneakers mobile app to locate gyms, track their fitness progress, and access a range of exercise videos and plans.

For those without nearby facilities, a home exercise kit with a DVD and equipment may be provided. This comprehensive approach to fitness makes the SilverSneakers membership a valuable addition to Aetna’s Medicare Advantage plans.


24-Hour Nurse Line

Health concerns don’t always adhere to a 9 to 5 schedule, and Aetna understands this well. That’s why Aetna Medicare Advantage plan members have access to a 24-hour nurse line that they can call anytime. This service is designed for non-emergency health-related questions and provides guidance but is not equipped for diagnosing or prescribing treatments.

Despite the value of this service for members, it’s crucial to remember it doesn’t replace professional medical advice. Members are recommended to contact their doctor or call 911 in case of urgent or emergency care needs. This precaution ensures that members receive the appropriate level of care when they need it most.


Prescription Mail-Order Delivery

Aetna also offers a prescription mail-order service for eligible medications, ensuring that members have their prescriptions covered. This service allows members to receive a 90-day supply of their medications through the mail, adding convenience and reducing the need for frequent pharmacy visits. To set up the service, members’ doctors can e-prescribe directly to CVS Caremark Mail Service Pharmacy.

However, not every medication is eligible for mail-order delivery. Members can check their plan’s formulary or contact Member Services for eligibility information. Furthermore, the mail-order pharmacy requires member approval before dispatching medications prescribed by their doctor but not personally ordered by the member. Members can opt out of the mail-order service at any time by contacting Member Services or using the number on their mail service packing slip.

This service is another testament to Aetna’s commitment to making healthcare management as convenient as possible for its members.

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Navigating Medicare Resources in Iowa

Navigating the world of Medicare can be a daunting task, which is why the Iowa Insurance Division provides valuable Medicare counseling and resources to help Iowans make informed decisions and prevent Medicare fraud. These resources can be incredibly useful for new and existing Medicare beneficiaries, offering:


  • Guidance and support in understanding and selecting the right Medicare plan
  • Information on Medicare enrollment periods and deadlines
  • Assistance with comparing Medicare Advantage and Medicare Supplement plans
  • Tips for avoiding Medicare fraud and identity theft


By utilizing these resources, Iowans can feel more confident and empowered when making decisions about their Medicare coverage.

Furthermore, the secure website allows Iowa residents to securely log in to their accounts, access Medicare information, and use the contact section for additional support. These resources play a crucial role in helping Iowans navigate the often complex world of Medicare and make the best healthcare decisions for their unique needs.

Choosing the Right Aetna Medicare Advantage Plan

The decision to choose the right Medicare Advantage plan is fundamental and can considerably influence your healthcare experience. In the selection of an Aetna Medicare Advantage plan, it’s important to take into account factors like:


  • The plan type (HMO-POS, PPO, SNP, D-SNP)
  • Associated costs (premiums, deductibles, copays, coinsurance)
  • Availability of networks (in-network and out-of-network providers)
  • Extra benefits (SilverSneakers fitness programs, telehealth services, vision, dental, and hearing aids coverage)


Remember, the best plan for you depends on your individual healthcare needs and preferences. By considering these factors and using the resources provided by Aetna and the Iowa Insurance Division, you can make an informed decision and select a plan that best suits your needs.

It’s all about matching your healthcare requirements with the right Medicare Advantage plan, ensuring that you receive the care you need, when you need it.

Aetna Medicare Advantage Enrollment Process

Once you’ve chosen the suitable Aetna Medicare Advantage plan for your needs, the next step is enrollment. To be eligible for an Aetna Medicare Advantage plan in Iowa, individuals must be enrolled in both Medicare Part A and Medicare Part B, also known as Original Medicare.

Enrollment can be completed in the following ways:


  1. Online: Enter your zip code above on this page to get started. You can even chat with an agent for help!
  2. Over the phone: Call us today at 1-833-641-4938


Remember, existing Medicare Advantage Plan members in Iowa have an opportunity to alter their plans or switch back to Original Medicare during the annual period from January 1 to March 31. This gives you the flexibility to adjust your plan according to your evolving healthcare needs.


In conclusion, understanding the various Aetna Medicare Advantage plans available in Iowa is crucial for making an informed healthcare decision. Whether you prefer the structured approach of an HMO plan, the flexibility of a PPO plan, or require the tailored services of SNP or D-SNP plans, Aetna has an option that can cater to your healthcare needs.

By comparing plans based on CMS Star Ratings, member experience, network size, and additional perks, you can select a plan that fits your specific requirements. Remember, your health is invaluable, and choosing the right Medicare Advantage plan is a significant step toward protecting it.

Frequently Asked Questions



Why are people leaving Medicare Advantage plans?

People are leaving Medicare Advantage plans due to excessive prior authorization denial rates and slow payments from insurers. These issues have become a common concern among members.


What is the most highly rated Medicare Advantage plan?

The most highly rated Medicare Advantage plan is the one offered by Humana, known for its good coverage, affordable costs, and plans with no monthly cost. UnitedHealthcare’s AARP and Blue Cross Blue Shield are also popular choices for their high Medicare star ratings and large provider networks.


What is the difference between Aetna Medicare and Aetna Medicare Advantage?

Aetna Medicare Advantage plans are part C plans run by private insurance companies, like Aetna Medicare, offering extra benefits that Original Medicare doesn’t.


What types of Medicare Advantage plans does Aetna offer in Iowa?

Aetna offers HMO, PPO, SNP, and D-SNP Medicare Advantage plans in Iowa, giving you a range of options to choose from.


How can I compare Aetna Medicare Advantage plans in Iowa?

To compare Aetna’s Medicare Advantage plans in Iowa, consider factors like CMS Star Ratings, member experience, network size, and extra benefits such as fitness programs and telehealth services. These aspects can help you make an informed decision.

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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.