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Human Resources

Health Insurance - General Information

stetoscopeThe State of Iowa's health insurance plans offers you a variety of health benefits, plan designs and out-of-pocket costs that allows you to choose the best health coverage that meets the needs of you and your family.

All of the State-sponsored health insurance plans are provided by Wellmark Blue Cross and Blue Shield.

Health Insurance Plans
Health Plan Choices
2014 Health Insurance Premiums
2014 Health Insurance Side-by-Side Comparisons
2014 Summary of Benefits & Coverage (SBC)
Health Insurance Benefit Booklets
Blue Access and Blue Advantage
Health Plans and ACA Provisions
More Information

Notices - Required by Law

Health Care Reform Notice
HIPAA Privacy Practice Notice
Health Insurance Marketplace Notice
Medicaid & Children’s Health Insurance Program
Women's Health and Cancer Rights Act


Related Website

Health and Dental Insurance General Information

 

Health Insurance Forms

new icon  Health Insurance Opt-Out (552-0770)

 

Health Insurance Plans

There are three types of state-sponsored health plans available for you to elect.

Managed Care Organization (MCO)
Blue Access
Blue Advantage

Comprehensive health care services provided by a network of health care providers.  With Blue Access, you can see any provider in the network without a referral.
Preferred Provider Organization (PPO)
Alliance Select (SPOC-covered only)
Iowa Select
Comprehensive health care services provided by any health care provider but lower coinsurance if you use network providers.

Indemnity
Deductible 3 Plus
Program 3 Plus

Comprehensive health care services provided by any health care provider.

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Health Plan Choices

Depending upon your bargaining status and branch of government, you have a choice of one of the following health plans for 2014.

Health
Plans
AFSCME
covered
Executive
Branch Non-Contract
Judicial
Branch
Legislative
Branch
SPOC
covered
UE/IUP
Covered
Blue Access X   X X   X
Blue Advantage X   X X   X
Iowa Select X   X X   X
Program 3 Plus X   X      
Deductible 3 Plus       X   X
Health insurance plans containing required Affordable Care Act provisions.
Alliance Select         X  
Blue Access   X        
Blue Advantage   X        
Iowa Select   X        
Deductible 3 Plus   X        

 

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2014 Health Insurance Premiums

Executive Branch Executive Branch Non-Contract Employees
AFSCME-covered employees Non-contract employees
UE/IUP-covered employees SPOC-covered Employees
Judicial Branch Health & Dental Insurance Premiums
All Judicial Branch employees  
Legislative Branch  
All Legislative Branch employees  


notice icon  2014 Changes to the Double Spouse Family Health Insurance

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2014 Health Insurance Side-by-Side Comparison

Executive Branch AFSCME, UE/IUP, Judicial Branch, and Legislative Branch
Executive Branch Non-contract
Alliance Select Summary  (SPOC-covered employees only)

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2014 Summary of Benefits & Coverage (SBC)

SBC Notice
Executive Branch AFSCME & UE/IUP
Judicial Branch
Legislative Branch
Executive Branch Non-contract
Blue Access Blue Access
Blue Advantage Blue Advantage
Iowa Select Iowa Select
Program 3 Plus Deductible 3 Plus
Deductible 3 Plus SPOC
  Alliance Select

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Health Insurance Benefit Booklets

Executive Branch AFSCME & UE/IUP
Judicial Branch
Legislative Branch
Executive Branch Non-contract
Blue Access Blue Access
Blue Advantage Blue Advantage
Iowa Select Iowa Select
Program 3 Plus Deductible 3 Plus
Deductible 3 Plus SPOC
  Alliance Select

 

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Blue Access and Blue Advantage

Blue Access and Blue Advantage are managed care plans.  As such, health care services are provided by a state-wide network of participating health care providers.  Providers who participate in these plans are called Wellmark Health Plan Network providers.

Benefits for covered services are available only when received from Wellmark Health Plan Network providers.

It is your responsibility to ensure that providers you seek services from are part of the Wellmark Health Plan managed care network.  Services received from non-participating providers will not be paid by Wellmark.  Visit the Wellmark website to check participating providers in your area.

Services received from out-of-network providers may be covered in the case of accidental injuries or emergencies.

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Health Plans and ACA Provisions

The health insurance plans for executive branch non-contract and SPOC-covered employees must comply with the Affordable Care Act (ACA). 

These health plans are very similar to the health plans offered in 2013.  One difference is the ACA provision requiring that preventive services be provided at no additional cost (i.e., no deductible, no copayment, or coinsurance).  More information about covered preventive services is available at Health Plans with Wellness: Covered Preventive Services.

Another difference is that ACA requires some services be covered that are not covered in the 2013 benefit design.  The additional services are:

Health
Plans
Alliance Select Blue
Access
Blue
Advantage
Deductible 3 Plus Iowa
Select
Smoking cessation counseling X X X X X
Separate gynecological exam X * * X X
Dietary counseling X X X X X
Non-Surgical morbid obesity treatments X X X * *
Smoking prescriptions covered by the prescription drug benefit (copay will apply) X X X X X

      *Covered under the 2013 plan but no copay/coinsurance is now required.

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More Information

For more information about health insurance, please contact Wellmark customer service at 800-622-0043.

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Updated 2014-07-17


This website describes the benefits in effect on January 1, 2014. This site does not meet the requirements of a summary plan description and is not intended to serve as one.  If there are discrepancies between this information and any of the plan documents or State of Iowa policies, the plan documents or State of Iowa policies will govern in all cases.  The benefits described on this website are subject to change.  Nothing herein shall be construed as a guarantee of future benefits.