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The ultimate Medicare checklist for Iowa seniors

  • Writer: William Pierce
    William Pierce
  • Mar 19
  • 2 min read

Navigating Medicare can feel overwhelming, but with the right plan in place, you can ensure you’re making the best decisions for your health and finances. Whether you’re turning 65 or reviewing your current coverage, this checklist will guide you through the essential steps Iowa seniors need to take.

Step 1: Understand the Parts of Medicare

  • Medicare Part A (Hospital Insurance): Covers inpatient care, skilled nursing, and hospice. Most people qualify for premium-free Part A.

  • Medicare Part B (Medical Insurance): Covers doctor visits, outpatient care, and preventive services. Part B has a monthly premium.

  • Medicare Part C (Medicare Advantage): Private insurance plans that bundle Parts A and B, often including extra benefits like dental and vision.

  • Medicare Part D (Prescription Drug Coverage): Helps cover the cost of prescription medications. Essential if you don’t have drug coverage through another plan.

  • Medicare Supplement (Medigap): Covers costs like copays, deductibles, and coinsurance not covered by Original Medicare.


Step 2: Know Your Enrollment Periods

  • Initial Enrollment Period (IEP): Starts three months before your 65th birthday and lasts until three months after. This is the best time to sign up to avoid late penalties.

  • Medicare Annual Enrollment Period (AEP): October 15 - December 7 each year. You can switch Medicare Advantage or Part D plans during this time.


Step 3: Compare Your Plan Options

  • Do you travel frequently? A Medicare Supplement plan might be better for nationwide coverage.

  • Do you take regular prescriptions? Compare Medicare Part D or Advantage plans to find the best coverage for your medications.

  • Do you need extra benefits? Medicare Advantage plans often include dental, vision, and hearing benefits that Original Medicare does not cover.


Step 4: Plan for Medicare Costs

  • Premiums, Deductibles, and Copays: Know what you'll be paying each month and out-of-pocket costs.

  • Medicare Savings Programs: Some Iowa seniors qualify for financial assistance to lower Medicare costs.


Step 6: Seek Professional Guidance

Medicare is not one-size-fits-all. Working with a local Medicare specialist, like Pierce Insurance, ensures you get the best coverage for your needs. We can help you compare plans, understand costs, and make confident decisions.

Need help navigating Medicare in Iowa? Call us at 515-257-6663 



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Pierce Insurance

Our expertise allows us to simplify the process, providing clear explanations and tailored options that alleviate the stress from your insurance decisions. Whether you need help with Medicare products, the Affordable Care Act, or life insurance, our licensed agents are here to assist you in navigating your choices. Founded in Ankeny, but serving all of Iowa and nationwide.

Contact us by call or text! (515) 257-6663
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    We do not offer every plan available in your area. Currently, we represent 6 organizations which offer 48 products. Please contact medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Not affiliated with or endorsed by any governmental agency.

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