Stats in Your State
Smart consumers know when they see a good deal because they’ve already researched premium prices and other important factors that should be considered when purchasing health insurance. That said, below are essential statistics and graphs that will help you see where Iowa stacks up compared to other states.
More than 350,000 children were enrolled in Chip and Medicaid programs in 2010, according to the Census data. The number of children enrolled increased about 9% from the previous year.
Individual Health Insurance Premiums
The average cost of health care insurance premiums for single employees in Iowa is $1,078, which is relatively on par with the national average. Iowa’s premiums for singles isn’t as low as its neighbor Kansas, but it is much lower than Minnesota.
Family Health Insurance Premiums
The average family health insurance premium per employee in Iowa costs a total of $13,030, about $2,000 less than the national average. Although the average premium isn’t as low Kansas, it isn’t as high as other midwestern states.
SAHIE Health Insurance Uninsured
More than 270,000 residents went without insurance in 2010. Although the number of uninsured didn’t jump substantially from the year before, the number of people without coverage slowly increases with each year. Nonetheless, this number is set to change with the passing of the federal Affordable Healthcare Act.
Rules in Your State
Specific rules and regulations regarding state and private health insurance vary slightly from state-to-state but will become more unified thanks to the federal Affordable Care Act . So that you’re caught up to speed with some of the rules Iowa has set forth, read our brief list of health insurance laws providers and customers must abide by.
According to the Iowa Insurance Division:
- There is no law in effect that states how soon an insurer provider should pay a claim, however longer than 30 days is unusual.
- Insurers can deny treatment for up to 12 months for customers with pre-existing conditions.
- If an employee who receives insurance through a group health plan under his or her employer, and the employee is terminated, the employer may be required to offer continued health insurance coverage for a short time under the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA).
Provides healthcare insurance coverage to residents who are financially struggling yet are still not eligible for Medicaid or Medicare. IowaCare covers adults ages 19 through 64 who can prove:
- They are a U.S. citizen or lawful resident.
- Their family income is no more than 200% above the federal poverty line.
- Are uninsured.
Alcohol & Your Health Insurance
Each state has different regulations regarding the treatment of patients with alcohol-related illnesses and treatments. To learn what is acceptable in Iowa, read below:
Losses Due to Intoxication:
Iowa is one of 17 states where the denial of benefits is prohibited.
Health Insurance Parity for Alcohol-Related Treatment:
Iowa is one of 8 states that do no mandate alcohol-related parity provisions.
Iowa Health and Wellness Plan
Here are some highlights of the Health and Wellness Plan, to read about the program in detail refer to this publication.
- Iowans with an annual income up to 100% of the federal poverty line are eligible for Medicaid and can receive the same benefits as state employees without having to pay a premium.
- Iowans with yearly salaries between 101% and 138% of the federal poverty lines are required to seek private health insurance coverage via the state-federal insurance exchange, provisions set by the federal Affordable Care Act.
Representatives & Resources in Your State
Knowing how the Iowa healthcare and insurance industry currently operates is useful, but as the Affordable Healthcare Act and other healthcare-related litigations come into fruition, it can be difficult to keep up with all of the new rules and regulations. If you have any confusion, complaints, or questions regarding changes to the health insurance industry, below is a list of resources and representatives that can assist you.
Iowa Comprehensive Health Association
8 AM to 5 PM Central Time, Monday – Friday
Claims Fax: 1-620-792-0535
Premium Billing & Enrollment Fax: 1-620-793-1199
Children’s Health Insurance Program (Chip)
Iowa Health Care Association and Iowa Center for Assisted Living
1775 90th Street
West Des Moines, IA 50266-7726