Membership Benefits
Insurance & Discounts
Insurance Options for Iowa REALTORS®
Iowa REALTORS® understands how difficult it can be for REALTORS® to locate affordable health insurance plans. Therefore, we have partnered with Patton Insurance Benefits to assist our members in their search for the right health insurance plan at the right price. Patton Insurance Benefits has also put together a specialized Group Dental and Vision Insurance program for IAR members with Delta Dental of Iowa. Life Insurance is also offered through The Cincinnati Insurance Companies.
Health Insurance
Group health insurance for groups down to one employee:
- Wellmark Blue Cross & Blue Shield - Wellmark will allow a group plan if you are a W2 employee of your own S Corp or LLC doing taxes as an S Corp.
- Medical Associates (Select Eastern & Central Iowa Counties) - Medical Associates is headquartered in Dubuque and offers a group health plan that uses a Mercy Only network in select areas of the state. Medical Associates will allow Sole-Proprietors, Partnerships, LLC’s and Corporations to apply with correct tax documents.
INDIVIDUAL HEALTH INSURANCE UNDER 65:
- Healthcare Marketplace at Healthcare.gov - We use your estimated taxable income for the upcoming year to see if you qualify for any tax subsidy. Wellmark BC/BS has plans available that use the statewide HMO network. Medica has plans available that use a UnityPoint network. These plans are guaranteed is-sue with no health questions.
- Short-Term Medical - UnitedHealthOne as a short-term policy does not follow the Affordable Care Act rules. These plans you will have to complete medical underwriting. Please note this style of coverage does not cover pre-existing conditions for the first 12 months.
Medicare/Over 65:
- Medicare Supplements - These plans can be quote throughout the year.
- Prescription Drug Plans (Part D) - These plans can be quoted if you are new to Medicare or during the Annual Enrollment Period (AEP) October 15th - December 7th.
- Medicare Advantage (Part C) - These plans can be quoted if you are new to Medicare or during the Annual Enrollment Period (AEP) October 15th - December 7th.
Dental Insurance
Iowa REALTORS® (IAR) is pleased to present an association dental plan for our membership. These dental plans were designed by Delta Dental of Iowa exclusively for IAR members.
Highlights:
- No waiting periods on benefits.
- Level one benefits in the Delta PPO network and level two benefits in the Delta Premier network, giving you a comprehensive network of dentists.
- No underwriting is required.
- *Deductible is waived for diagnostic and preventive services.
Click here for fillable enrollment form for Delta Dental or Delta Vision.
Platinum Plan
- Annual maximum benefit of $2,000.
- Per Person Deductible: $25* PPO Dentist / $100* Premier Dentist
- Level One PPO Benefits: Preventive, Routine, Major: 100%/80%/50%
Monthly Rates for Platinum Plan
| Single | $40.28 |
| Two-Person | $77.92 |
| Family | $145.40 |
Preferred Plan
- Annual maximum benefit of $1,000.
- Per Person Deductible: $50* PPO Dentist / $150* Premier Dentist
- Level One PPO Benefits: Preventive, Routine, Major: 100%/50%/50%
Monthly Rates for Preferred Plan
| Single | $31.56 |
| Two-Person | $60.78 |
| Family | $113.24 |
Preventive Plan
- Annual maximum benefit is Unlimited.
- Per Person Deductible: $50 PPO Dentist / $50 Premier Dentist
- Level One PPO Benefits: Preventive and Routine: 80% / 50%
Monthly Rates for Preventive Plan
| Single | $16.14 |
| Two-Person | $31.18 |
| Family | $63.62 |
Vision Insurance
Iowa REALTORS® is pleased to present an association vision plan for our membership. This vision plan was designed by Delta Dental of Iowa exclusively for IAR members.
Click here for fillable enrollment form for Delta Dental or Delta Vision.
Here are some highlights of the Delta Vision plan:
- $10 copay for Vision Exam (every 12 months)
- $150 allowance on Frames (every 12 months)
- $25 copay for Standard Plastic Lens (every 12 months)
- $150 allowance on Contact Lenses (every 12 months)
- Access to the EyeMed Vision Care network, a nationwide network.
- Lasik & PRK Benefit of 15% off retail price or 5% off promotional price
- No underwriting is required.
- No waiting periods on benefits
Monthly Rates for Delta Vision of Iowa
| Single | $8.84 |
| + Spouse | $15.92 |
| + Children | $17.90 |
| + Family | $23.32 |
Rates are for the period of 6/1/24 through 5/31/25
Rates include a monthly ACH free.
Life Insurance
As a member of Iowa REALTORS® you now have the opportunity to purchase individual life insurance simplified issue:
- up to $100,000 for ages 18-50
- up to $75,000 for ages 51-60
- up to $25,000 for ages 61-70
No Medical Examination required.
This plan gives you a lifetime of protection as you have the option to purchase a Level 20 Year Term or Level 10 Year Term policy, a Whole Life Insurance plan or a Term 20 Return of Premium policy. You also have the opportunity to purchase coverage for your spouse and/or children. The offer is through Cincinnati Life Insurance, which has a high financial strength rating of A+ from A.M. Best, Fitch and Standard & Poor’s.
You own your policy; therefore, you may continue your coverage at the same premium, even if you leave real estate or retire.
Please contact Patton Insurance Benefits if you have any interest or questions about the available IAR programs.
Laura R. Patton, LUTCF
President
Licensed Broker since 1982
Discounts
Hotel Discounts
Members are invited to take advantage of the following hotel discounts when conducting business or attending association events in the Des Moines area. All hotels are located within approximately two blocks of Iowa REALTORS® office building.
The Rewind West Des Moines,
Tapestry Collection by Hilton
- $139.00 (King or Double Queen)
- Discount offered 7 days a week and black out dates apply
- Does not include breakfast at Johnny’s
- Complimentary standard wifi
- Call (515)333-5666
Hyatt Place West Des Moines/Jordan Creek
- $109 (Nov-March & Oct-Nov)
- $139 (April-Sept)
- Rate Plan Code: IAREAL
- Corporate Record (CR#): 1002431
- Reservations made by individuals; By Calling 1-888 HYATT HP (1-888-492-8847) (Hyatt Place) By going online to Hyatt.com and entering reservation using 1002431 as the group/corporate number
- Account: IA ASSOCIATION
Element West Des Moines
- King Suite: $139 (Jan-March, Nov-Dec) and $159 (April-Oct)
- Complimentary parking, wifi, breakfast, happy hour (monday-thursday)
- Kitchenette in rooms
- Pool
- Fitness center
- Call hotel and mention Iowa REALTORS to book (515) 661 - 4345)
Hertz
Save up to 25% off Hertz® base rates every day. Plus, enjoy free travel perks when you join Hertz Gold Plus Rewards®.
OOP Business Solutions
Save up to 75% off on office, home and school supplies online at OOP Business Solutions (formerly Office Depot Business Solutions)! Enjoy exclusive pricing and discounts on office essentials, toner, paper, cleaning products, breakroom items and more.
Access Contract Pricing and Deepest Discounts Online:
- Up to 75% off Best Value Products – plus thousands of items discounted below retail
- Ink and Toner Discounts – up to 20% off the products you need
- Low Copy/Print Pricing – save 60% off black & white copies | 34% off color copies
- Cleaning & Breakroom Items – 400+ products with savings up to 51%
- Free Delivery on Orders Over $50 – Or order online & pick up at any Office Depot OfficeMax store
Store Discount Program: Receive a standard discount on select product categories when shopping at any Office Depot OfficeMax store. Simply show your store discount card or mobile QR code at checkout.
NAR Member Benefits
Members also receive numerous benefits through the National Association of REALTORS® (NAR), including discounts on travel, technology products and services, insurance, and marketing services.