You are here

Group Plan F and N

 

QuickLinks

Resources

Group Plan F and N Group Plan F Summary
Eligibility Group Plan F benefit booklet
Group Plan F and N Services Group Plan N Summary
Group Plan F and N Services vs. Regular State Plans Services Group Plan N benefit booklet
Benefits of Enrolling in the Group Programs F or N 2018 Group Plan F and N Premiums
Enrolling in Group Plan F or Group Plan  N State of Iowa Group Retiree Application
Group Plan F and N and Group MedicareBlue Rx Wellmark Automatic Payment Authorization
Extra Help  
For More Information  

Related DAS Benefits Website:

Group MedicareBlue Rx


Group Plan F and N

Medicare Parts A and B pay for many, but not all, health care services and supplies. A Medicare Supplement Insurance policy helps pay some of the health care costs that Parts A and B don’t cover, like copayments, coinsurance and deductibles.

The State offers both Group Plan F and Group Plan N to Medicare-eligible retirees and their Medicare-eligible dependents. The designs of Group Plan  F and Group Plan N are identical to the Medicare Supplement Plan F and N that you can purchase individually. Group Plan F and Group Plan N provide extensive coverage in supplementing your Medicare coverage. They have national coverage with any healthcare provider that accepts Medicare.

return to QuickLinks


Eligibility

You are eligible to enroll in Group Plan F and Group Plan N if you are a Medicare-eligible State of Iowa retiree or a Medicare-eligible surviving spouse of a retiree. If you currently have family coverage and you enroll in Group Plan F and Group Plan N, your dependents must also enroll in Group Plan F or Group Plan N. If your dependents are not eligible for Medicare, they cannot enroll in Group Plan F or Group Plan N and they would be dropped from your coverage. Covered dependents are not allowed to stay on the regular State of Iowa insurance plans if you move to Group Plan F or Group Plan N. If your spouse or dependent is eligible for Medicare, but you are not, they cannot enroll in Group Program F or Group Plan N until you, the retiree, are also eligible for Medicare and enroll in Group Plan F or Group Plan N.

return to QuickLinks


Group Plans F and N Services

This chart shows basic information about the different benefits Group Plan F and Group Plan N policies cover. If a percentage appears, the program covers that percentage of the benefit for eligible Medicare expenses. YOU must pay the rest.

Benefits F Pays N Pays
Comparison of State of Iowa Group Plans F and N
Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) 100% 100%
Medicare Part B coinsurance or copayment 100% 100%*
Blood (first 3 pints) 100% 100%
Part A hospice care coinsurance or copayment 100% 100%
Skilled nursing facility care coinsurance 100% 100%
Part A deductible 100% 100%
Part B deductible 100% 0%
Part B excess charges 100% 0%
Foreign travel emergency (up to plan limits) 80% 80%

 *Group Plan N pays 100 percent of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits not resulting in an inpatient admission. 

return to QuickLinks

Group Plan F and the Group Plan N Services vs. Regular State Plans Services

Group Plan F and Group Plan N only cover Medicare-eligible expenses that are not paid by Medicare. As long as Medicare covers the service, it will be covered by Group Plan F or Group Plan N. Group Plans F and N offer some additional coverage for travel outside the country that Medicare does not cover. You should read the Medicare and You book you received from Medicare and check with Medicare before scheduling services to be sure they will be paid.

return to QuickLinks


Benefits of Enrolling in the Group Plan F or the Group Plan N

  • Lower monthly premiums than the traditional State of Iowa plans.
  • Benefits that are more in line with the benefits and services that Medicare covers.
  • No network restrictions, you can see any provider who accepts Medicare.
  • Ability to move back to the regular State of Iowa plans (Program 3 Plus, Blue Access, etc.) during the next enrollment and change period.
  • Enroll midyear if you need to wait for everyone on your plan to become eligible for Medicare.
  • Includes a foreign travel benefit.

 return to QuickLinks


Enrolling in Group Plan F or Group Plan N

If both you and your spouse are Medicare-eligible, you and your spouse can:

  • Both enroll in Group Plan F, or
  • Both enroll in Group Plan N, or
  • One enrolls in Group Plan F and the other enrolls in Group Plan N.

Complete two applications:

  1. State of Iowa Employer Group Retiree Program N and F Application. Indicate if you want to enroll in Group Plan F or Group Plan N.
  2. Group MedicareBlue Rx PDP Application (Indicate if you want to enroll in Basic or Plus. Complete a new Group MedicareBlue Rx Application even if you are already enrolled in Group MedicareBlue Rx).

  Your spouse will also need to complete both the State of Iowa Employer Group Retiree Program N and F Application and the Group MedicareBlue Rx PDP application.

return to QuickLinks


Group Plan F and Group Plan N and Group MedicareBlue Rx

Coupled with the Group Plan F and Group Plan N programs is a Group MedicareBlue Rx plan. You have the option of two Group MedicareBlue Rx plans:

  • Group MedicareBlue Rx (Basic)
  • Group MedicareBlue Rx (Plus)

There are two main differences between the Group MedicareBlue Rx Basic and the Group MedicareBlue Rx Plus plans:

  1. The copayments (amounts you pay) are different.
  2. Another significant difference is the amount of coverage you have while in the gap or “donut hole.”
  • Group MedicareBlue Rx (Basic): In the current Basic plan, you have coverage for generics only, in the “donut hole.” Select brand name drugs are discounted, according to federal laws regulating these plans, but you will still pay about 50 percent of the cost of brand name drugs, while you are in the “donut hole.”
  • Group MedicareBlue Rx (Plus): In the current Plus plan, you will pay the same copays as in the initial coverage period and in the coverage gap (“donut hole”).

If both you and your spouse enroll in the Group Plan F or Group Plan N, you and your spouse can:

  • Both enroll in Group MedicareBlue Rx Basic, or
  • Both enroll in Group MedicareBlue Rx Plus, or
  • One enrolls in Group MedicareBlue Rx Basic and the other enrolls in Group MedicareBlue Rx Plus.

The Group Plan F and the Group Plan N Plan and the Group MedicareBlue Rx plan is a health insurance package. You cannot elect to just take the Group Plan F or the Group Plan N and not elect a Group MedicareBlue Rx plan.

return to QuickLinks


Extra Help

You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for extra help, call:

Medicare
1-800-MEDICARE (1-800-633-4227)
1-877-486-2048 (TTY/TTD)
24 hours a day, 7 days a week

Social Security Administration
1-800-772-1213
1-800-325-0778 (TTY/TDD)
Between 7:00 am and 8:00 pm, Monday through Friday

Your State Medicaid Office

 return to QuickLinks


For More Information

Contact the Department of Administrative Services, Human Resources Enterprise at 866.895.2464 or email stateretirees@iowa.gov if you have any questions or need additional information.

return to QuickLinks