The Iowa Select Plan is a comprehensive health care program that covers hospital, medical, surgical, outpatient, and other services such as physical therapy. Coverage is also provided for routine physicals, newborn care (including inoculations, scheduled visits, etc.), well-child check-ups, treatment of mental health conditions, treatment of chemical dependency, and prescription drugs.
- Iowa Select Insurance Certificate (pdf)
- Iowa Select Summary of Benefits and Coverages - 2017 (pdf)
- Iowa Select Summary of Benefits and Coverages - 2016 (pdf)
- Prescription Drugs
How an Individual Uses the Iowa Select Plan
Health care under Iowa Select may be obtained from almost any provider you wish. However, there are advantages to using providers in the Wellmark Alliance Select network.
Select providers will accept payment arrangements with Wellmark Blue Cross and Blue Shield of Iowa. When using select providers you also pay a lower coinsurance percentage and the deductible is waived for services in the office setting.
Care by non-participating providers needed due to medical necessity (examples: referrals or ambulance transportation) may involve higher cost to you. Non-participating providers do not have contracts with Blue Cross and Blue Shield. They do not agree to accept payment arrangements and are not responsible for filing claims for you. Non-participating providers may charge more for health care than participating providers. Payment is made to you and you are responsible for paying the provider. Non-participating providers can bill you for the difference between what Blue Cross and Blue Shield will pay for a service and what they charge (balance billing).
In an emergency, if you cannot reasonably reach a participating provider, emergency care received during the course of the emergency will be reimbursed as though the service were received from a participating provider (excludes ambulance transportation).