2020 ACA Plan Comparison Guide for Small Groups | Iowa
To find the right plan, start by considering where you and your employees live and work. Wellmark offers four network options to meet your needs.
Consider this network if your employees live and work in select Iowa counties.
Wellmark ValueSM Health Plan HMO Network coverage is available in more than 40 counties.1 This network provides members with access to the Mercy Health Network and its affiliates. Out-of-network coverage is available in emergency and accidental injury situations.1This coverage is available in Sioux, O’Brien, Plymouth, Woodbury, Monona, Audobon, Adair, Ringgold, Madison, Dallas, Boone, Hamilton, Polk, Decatur, Wayne, Warren, Franklin, Hardin, Jasper, Marion, Monroe, Appanoose, Davis, Keokuk, Grundy, Butler, Floyd, Mitchell, Howard, Chickasaw, Bremer, Blackhawk, Benton, Davis, Washington, Johnson, Linn, Buchanan, Fayette, Cedar, Jackson, Clinton and Scott county.
Consider a state-based network if your employees live throughout Iowa.
A great thing about plans available on the Wellmark Blue HMOSM Network is the accessibility. Your employees have access to 100 percent of hospitals and 97 percent of doctors in all of Iowa's 99 counties, as well as in Iowa's bordering counties.2 Employees are also covered if they're out-of-network in case of emergency and accidental injury situations.
Wellmark Blue HMO Network plans are offered in all 99 counties in Iowa.
If your employees live in Iowa and would like out-of-network protection, consider a state and national network.
New in 2020, point-of-service (POS) plans provide a network option for groups who prefer the lower cost of the state-based HMO network, but would like protection from out-of-network costs.
Plans available on the Wellmark Blue POSSM Network offer your employees network flexibility by providing in-network coverage from local doctors and hospitals that members know and trust, while allowing out-of-network coverage from participating doctors at a higher cost-share.
Consider a preferred provider organization (PPO) if your employees travel frequently for business or pleasure and are more likely to need medical care out-of-state. The Wellmark Blue PPOSSM network provides access to more than 96 percent of hospitals and 95 percent of doctors throughout the country.33 Consortium Network Compare Findings as of September 2019.