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Premium rates are determined according to the HIPIOWA plan you select, your age, your gender and whether or not you use tobacco.PLAN E is a Medicare eligible preferred provider plan for persons under 65 that are enrolled in Medicare. The plan pays secondary to Medicare and has an annual deductible of $1,000.
PLANS B, C, D, F and G are preferred provider plans that require you to obtain services from a participating network provider in order to receive maximum benefits they offer five different deductibles ranging from a $1,000 to a $10,000 deductible
Premium payment cycles. During the application process, you will need to decide upon a premium payment cycle. HIPIOWA offers several different payment cycles, including monthly bank draft (premium is automatically deducted from your bank account), quarterly, semi-annually and annually.
If you choose the monthly bank draft, you will also need to complete the automatic bank withdrawal authorization form which can be downloaded from this web site.
Use the rate tables to determine your premium rates. First, select a plan and deductible level and then locate the correct rate table. Next, locate your age group, gender and your premium rate. The premium rates listed are monthly. If you plan to pay quarterly, multiply the rate by three; semi-annually multiply by six and annually multiply by twelve.
Premium rates will generally change every year on January 1. Notice of premium rate changes will be posted to our website and mailed to you at least 30 days prior to their effective date.