Compare All Iowa Health Plans

You may want to print this plan comparison to help guide you as you apply online or speak with an agent. Click here for a quick quote.


Plan Snapshot

When determining the best health plan for you, you may first want to review Wellmark's three overall plan types:
  Blue Advantage® Plans (HMO)  Alliance SelectSM Plans (PPO) 
Plan Overview
 Lower premiums. Covers in-network services. Generally, there are no out-of-network benefits except for emergency services and accidental injuries. Covers most in- and out-of-state medical expenses with minimal cost-sharing for office services.

Provider Network

To see which networks your doctors are in, Find a Doctor or Hospital.

Blue Advantage Network

  • You must select a Primary Care Practitioner (PCP) for your care. Women can also select an OB/GYN.
  • No benefits for out-of-network services unless care is for a medical emergency, accidental injury, Wellmark-approved referrals, or guest membership.
  • 96% of physicians and 100% of hospitals in Iowa participate in the network.
  • Available in all Iowa counties except Allamakee, Fayette, and Winneshiek.

Alliance Select Network

  • You can see in- or out-of-network providers, but your costs are lower when care is received from providers in the Alliance Select network.
  • 99% of physicians and 100% of hospitals in Iowa participate in the Alliance Select network
Underwritten by Blue Advantage plans are underwritten by Wellmark Health Plans of Iowa, Inc. Alliance Select Plans are underwritten by Wellmark Blue Cross and Blue Shield of Iowa.

 

Plan Detail

Within the three overall plan types are several plan designs to choose from that meet a variety of needs, lifestyles, and budgets. The following includes plan information about a few key benefits. See the Outlines of Coverage below to compare details about the plans such as plan benefits, limitations and exclusions. See rates and apply for a plan.

  Blue Advantage PremierSM Blue Advantage HSASM Qualified Blue Advantage StandardSM Alliance Select ComprehensiveSM Alliance Select EnhancedSM Alliance Select ValueSM Blue Priority HSASM Blue BasicsSM
Maternity Coverage          
Complications only. Optional maternity benefit available for additional premium Complications only Complications only Covered Complications only Complications only Complications only. Optional maternity benefit available for additional premium Complications only
Prescription Drugs
See Outlines of Coverage below for complete drug benefit information.
Choose between a limited-coverage drug plan (Blue Rx Value) or a more complete drug plan (Blue Rx Complete) Includes Blue Rx Complete Choose between a limited-coverage drug plan (Blue Rx Value) or a more complete drug plan (Blue Rx Complete) Covered Covered Covered Covered Covered - generics only (with exceptions)
Mental Health & Chemical Dependency Treatment      
14 inpatient days/20 outpatient visits per benefit period Limited coverage Not covered Not covered Not covered Deductible followed by 50% coinsurance; other limitations apply
Preventive Care
Covered. Services must be received from your designated PCP or OB/GYN Covered at no charge for Alliance Select providers
Contraceptive Coverage Covered under all plans.

Covered under all plans
Dental Coverage (Optional) Available for an additional premium Availailable for an additional premium.
Outlines of Coverage Blue Advantage OOC pdf  Alliance Select OOC pdf 
Blue Basics OOC pdf image 
Blue Priority HSA OOC pdf image 


Get Rates & Information or Apply for Coverage 


  
 
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Wellmark Blue Cross and Blue Shield is an Independent Licensee of the Blue Cross and Blue Shield Association doing business in Iowa and South Dakota.
 
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