Introduction
Iowa Total Care is more than just a health insurance provider. As part of the Centene Corporation, it offers a wide range of health services tailored for Iowans. From basic check-ups to specialized treatments, they ensure that everyone gets the care they need. In this article, we’ll break down what Iowa Total Care covers and why it’s a top choice for many residents.
What Does Iowa Total Care Cover
Iowa Total Care offers comprehensive health services for Iowa residents, ranging from preventive care, professional office services, inpatient and outpatient hospital services, behavioral health, outpatient therapy, radiology, durable medical equipment, long-term support, to hospice and home health services, ensuring a holistic approach to healthcare.
Comprehensive Coverage Details
Preventive Services
- ACA Preventive Services: Covered by Iowa Total Care to ensure members receive essential preventive services without any additional cost.
- Routine Check-Ups: Regular health check-ups are covered, ensuring members maintain good health.
- EPSDT for individuals up to age 21: Early and Periodic Screening, Diagnosis, and Treatment services are available for younger members.
- Immunizations: Covered with some limitations to ensure members are protected against various diseases.
Professional Office Services
- Primary Care Provider: Members have access to a wide network of primary care providers.
- Office Visit: Regular office visits are covered.
- Allergy Testing and Treatments: Allergy-related services are included.
- Family Planning and Related Services: Comprehensive family planning services are available.
- Podiatry: Covered with specific conditions.
- Routine Eye and Hearing Exams: Annual eye and hearing check-ups are included.
Inpatient and Outpatient Hospital Services
- Preapproval for non-emergent admissions: Necessary for specific treatments and procedures.
- Room and Board, Inpatient Physician Services, Supplies, and Surgery: All essential inpatient services are covered.
- Bariatric Surgery: Covered with certain limitations.
- Outpatient services: Includes Ambulance, Urgent Care Center, and Hospital Emergency Room.
Behavioral Health Services
- Assertive Community Treatment (ACT): Specialized treatment programs for individuals with severe mental health conditions.
- Behavioral Health Intervention Services (BHIS): Interventions to address behavioral challenges.
- Inpatient and Outpatient Mental Health and Substance Abuse: Comprehensive mental health services are available.
Outpatient Therapy Services
- Cardiac, Occupational, Oxygen, Physical, Pulmonary, Respiratory, and Speech Therapy: A wide range of therapy services to cater to various health needs.
Radiology and Laboratory Services
- Mammography, Routine Radiology Screening, Sleep Study Testing, Colorectal Cancer Screening: Diagnostic and preventive screenings are covered.
Durable Medical Equipment
- Medical Equipment and Supplies: Essential medical equipment is covered.
- Diabetes Equipment: Equipment necessary for diabetes management is included.
- Eye Glasses and Hearing Aids: Covered with age-specific conditions.
Long Term Support Services (LTSS)
- Community-Based and Institutional services: Services to support individuals with long-term care needs.
Hospice, Health Homes, and Home Health Services
- Comprehensive care for individuals requiring hospice, health home services, or home health services.
| Service | Price |
| Routine Check-Ups | Covered by Iowa Total Care |
| EPSDT (up to age 21) | Covered by Iowa Total Care |
| Immunizations | Covered with some limitations |
| Office Visit | Covered by Iowa Total Care |
| Allergy Testing | Covered by Iowa Total Care |
| Family Planning | Covered by Iowa Total Care |
| Podiatry | Covered with specific conditions |
| Eye Exams | Covered annually |
| Hearing Exams | Covered annually |
.
Excluded Services
While Iowa Total Care offers a comprehensive range of services, there are certain services that are not covered. Here’s a list of services that are not included:
- Cosmetic Procedures: Procedures intended solely for cosmetic purposes and not deemed medically necessary.
- Experimental Treatments: Treatments not recognized as standard medical practice.
- Over-the-Counter Medications: Medications available without a prescription, unless otherwise specified.
- Travel Vaccinations: Vaccinations required for international travel not part of the routine schedule.
- Weight Loss Programs: Programs intended solely for weight loss without medical necessity.
- Non-Essential Elective Surgeries: Surgeries chosen by the patient for non-medical reasons.
Additionally, some services may:
- Have copays.
- Have coverage limits.
- Require a doctor’s order.
- Need prior approval.
It’s crucial for members to consult the official Iowa Total Care documentation or speak with a representative to get a complete understanding of all exclusions.
Iowa Total Care Coverage Costs
Here’s a detailed breakdown of the services covered by Iowa Total Care and their associated costs:
| Service | Cost with Iowa Total Care |
| ACA Preventive Services | Covered |
| Routine Check-Ups | Covered |
| EPSDT (up to age 21) | Covered |
| Immunizations | Covered (with some limitations) |
| Primary Care Provider Visit | Covered |
| Allergy Testing | Covered |
| Family Planning | Covered |
| Podiatry (specific conditions) | Covered |
| Eye Exams | Covered annually |
| Hearing Exams | Covered annually |
| Preapproval for non-emergent admissions | Necessary for specific treatments |
| Room and Board, Inpatient Services | Covered |
| Bariatric Surgery (with limitations) | Covered |
| Outpatient Ambulance Service | Covered |
| Urgent Care Center Visit | Covered |
| Hospital Emergency Room Visit | Covered |
| Assertive Community Treatment (ACT) | Covered |
| Behavioral Health Intervention Services (BHIS) | Covered |
| Inpatient Mental Health | Covered |
| Outpatient Mental Health | Covered |
| Substance Abuse Treatment | Covered |
| Cardiac Therapy | Covered |
| Occupational Therapy | Covered |
| Oxygen Therapy | Covered |
| Physical Therapy | Covered |
| Pulmonary Therapy | Covered |
| Respiratory Therapy | Covered |
| Speech Therapy | Covered |
| Mammography | Covered |
| Routine Radiology Screening | Covered |
| Sleep Study Testing | Covered |
| Colorectal Cancer Screening | Covered |
| Medical Equipment and Supplies | Covered |
| Diabetes Equipment | Covered |
| Eye Glasses | Covered (with age-specific conditions) |
| Hearing Aids | Covered (with age-specific conditions) |
Cheapest Iowa Health Insurance Comparison
Comparing Iowa Total Care with other health insurance providers in Iowa:
| Provider | Monthly Premium | Deductible | Out-of-Pocket Maximum |
| Medica | $280 | $6,500 | $8,150 |
| Wellmark Blue Cross Blue Shield | $300 | $6,750 | $8,200 |
| Oscar | $320 | $7,000 | $8,500 |
| Iowa Total Care | $250 | $6,000 | $7,900 |
Potential Savings with Iowa Total Care
Comparing the average costs of services in Iowa with the costs under Iowa Total Care:
| Service | Average Cost in Iowa | Cost with Iowa Total Care | Savings |
| Routine Check-Up | $120 | Covered | $120 |
| Allergy Testing | $250 | Covered | $250 |
| Family Planning | $150 | Covered | $150 |
| Podiatry Visit | $200 | Covered | $200 |
| Eye Exam | $100 | Covered | $100 |
| Hearing Exam | $150 | Covered | $150 |
| Inpatient Hospital Stay (per day) | $2,500 | Covered | $2,500 |
| Outpatient Ambulance Service | $800 | Covered | $800 |
| Urgent Care Center Visit | $250 | Covered | $250 |
| Behavioral Health Intervention Services (BHIS) | $300 | Covered | $300 |
| Cardiac Therapy Session | $500 | Covered | $500 |
| Mammography | $300 | Covered | $300 |
This comprehensive section provides a clear picture of the costs associated with Iowa Total Care and the potential savings when compared to other providers and average healthcare costs in Iowa.
Conclusion
Iowa Total Care stands as a beacon of comprehensive healthcare coverage in the state of Iowa. With its wide array of services, from preventive care to specialized treatments, it ensures that its members receive the best possible care without the burden of exorbitant costs.
Its commitment goes beyond just medical treatments; it encompasses a holistic approach to health, ensuring both physical and mental well-being. By offering such extensive coverage, Iowa Total Care not only addresses immediate health concerns but also invests in the long-term health of Iowa’s residents.
In a landscape where healthcare costs can be unpredictable, having a provider that prioritizes its members’ health and financial well-being is invaluable. As we’ve delved into the specifics of what Iowa Total Care covers, it’s evident that their mission is to ensure that every resident of Iowa has access to quality healthcare, fostering a healthier and happier community.
