About Health Insurance in Iowa
There are three key insurance companies in Iowa, and East Coast Health Insurance will direct you to the one that works the best for your personal needs. We offer the services of Coventry, Humana One, and United Health One.
- Total Population: 2,973,300
- Total Uninsured Population: 345,000 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,288
- Average State Premium for Individual Health Insurance: $210
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Iowa
East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our knowledgeable staff to find the best rates for you over the phone at 888-803-5917.
Iowa Health Insurance Market & Laws
Health insurance laws in Iowa are fairly strict, such as the guaranteed renewability provision, which protects the consumer from losing their policy at the end of a term. As long as you have not violated your policy terms, missed any premium payments, or had any lapses in coverage, your insurer must renew the same plan you had previously.
Pre-existing conditions are considered to be an illness you have received treatment for or were diagnosed with in the range of six months prior to enrolling in a health plan. An insurance company in Iowa is allowed to give you an exclusion period of up to 12 months, where they will not pay for any medical expenses relating to that illness.
Exclusion periods are not permitted when changing insurance companies. If you are getting coverage under a new insurer and you have received continuous coverage, your previous coverage acts as a credit applied toward your exclusion period costs.
Insurance companies in Iowa have the ability to deny you coverage based upon your health and age, as well as deciding your premium costs. Unlike other states, however, there are limits to how much they can charge. Insurance companies are also not allowed to cancel your health plan due to acquiring a certain condition during the course of the insurance plan.
If you have received continuous coverage on another health insurance plan for over 12 months, you are permitted by law to qualify for a basic or standard individual health plan in the state of Iowa.
In the state of Iowa, federal law requires health insurance to cover the following services:
- Maternity care
- Immunizations for children
- Breast cancer screenings
For more information on health insurance laws in Iowa, visit the Iowa Insurance Division.
1. Kaiser Family Foundation, “Iowa – State Health Facts”. www.statehealthfacts.org
2. Iowa Insurance Division. http://www.iid.state.ia.us/
3. Iowa Department of Public Health. http://www.idph.state.ia.us/
4. Health Insurance In-Depth, “Iowa Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Iowa.html