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Employee Benefits

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for times of transition, limited benefitsEmployee Benefits

Travel Health Plans

when traveling abroad, don’t go without coverageEmployee Benefits

Supplemental Plans

Dental & Vision Plans, Hospital/Doctor Indemnity Plans, Accident, Critical Illness, Telehealth, RX Discount Plans – pays benefits in addition to your regular health insuranceEmployee Benefits

Employee Beneits

Medicare Insurance Plans in Iowa and other Supplemental Insurance
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Medicare Insurance

Woman getting healthy with Medicare Insurance Plans in Iowa


Whether you need to supplement your original Medicare to lower your out-of-pocket costs, or you may be seeking more coverage from  your Medicare plan, we provide FREE unbiased support to help you compare Medicare insurance plans and your many options.


Our focus is on providing a great customer experience:

  • Informative, easy process for assessing your needs.
  • As an independent agent, we provide a fair and honest approach which means you get the right plan, for your needs, at the right price.
  • We’ll notify you of annual renewal times and keep you informed when new plans are available that may better fit your needs.
  • Contact you from time-to-time to make sure your plan is still meeting your needs.
  • Assist with difficult claims or pre-authorizations, when needed.
Click the toggles below to learn more about Medicare and the Types of Medicare Plans We Offer.

Medicare Advantage Plans

Medicare Advantage Plans are offered by private carriers and replace your original Medicare Parts A and B, as they are rolled into one plan.  You can select between an HMO or PPO, and most plans may cover more of your healthcare costs and have additional benefits, such as prescription drug coverage. Some may have dental or vision benefits. Premiums vary based on coverage, carrier and geographical location.


Ultimately, the best Medicare Advantage Plan is one that is purchased from a quality carrier, has no or a low premium and leaves you with the least or no out of pocket expenses.

Medicare Supplements

Medicare Supplement Insurance policies complement your Original Medicare Parts A and B. They cover some, if not all, of the expenses that Part A and B do not cover, like co-pays, deductibles and other charges.


There are many different types of Medicare Supplement policies available, however they are regulated so the benefits for these various policies (known as Plan A through N), are all the same regardless of the carrier. However, premiums can vary greatly among carriers.


Ultimately, the best Supplement Plan is one that is purchased from a quality carrier, has a low premium and leaves you with the least or no out of pocket expenses.

Medicare Part D (Prescription Drug Coverage)

Part D adds prescription drug coverage to Medicare insurance plans.  It is offered by private carriers that contract with Medicare. Because premiums vary greatly, you should carefully weigh your prescription costs against all variables of these plans. Selecting the wrong plan can wind up costing you thousands.  Some Medicare Advantage plans may offer prescription coverage as well.


Please note that you should sign up for Part D (even if you do not have prescriptions) when you first turn 65, as waiting may result in a costly monthly penalty added to your premium.

More About Medicare & Eligibility

To sign up for original Medicare Parts A & B, along with Part D, most people will have an Initial Enrollment Period which is a 7 month period around the time they turn age 65. This period begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.

Once your Initial Enrollment Period is over, if you wish to change or purchase Advantage or Part D Plans, you must act during the open enrollment period.


NOTICE: Once you are eligible for Medicare, do not wait to enroll in a Medicare Part D Plan or you could end up paying a penalty every month.

Open Enrollment
Oct 15th through Dec 7th

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Disclaimer:  Healthfirm Benefits is a licensed health insurance agent authorized to market Medicare Insurance Plans. This is a solicitation for insurance.  Please note a sales agent may call as a result of your inquiry for a quote.  The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. Please note you have no guarantee issue.


Healthfirm Benefits is not part of the Federal Medicare System.