Medicare Advantage in Illinois

Looking for Illinois Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Illinois state

Information about Medicare Advantage Plans in Illinois

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26 percent of Medicare beneficiaries in Illinois were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

There are 90 different Illinois Medicare Advantage plans in 2019.1 Not every plan is available in each county, so it's important to find out which ones are offered where you live.

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Illinois.

Read below to learn more about Medicare in your state.

You can also visit these pages to learn more about other types of Medicare plans:

Average costs of IL Medicare Advantage plans

Medicare Advantage beneficiaries in Illinois paid an average premium of $13 per month in 2019.

That average was affected by the 35 available plans that feature $0 monthly premiums.

  • Average monthly premium cost in 2019 (weighted): $13
  • Average in-network out-of-pocket spending limit: $3,612
  • Average deductible in 2019 (weighted): $62.851

The cost of a Medicare Advantage plan can vary depending on where you live.

You can view the average Illinois Medicare Advantage plan premiums in 2019 listed by county below.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Illinois Medicare Advantage plan costs

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Illinois Medicare Eligibility & Enrollment

Before you can enroll in a Medicare Advantage plan, you must first sign up for Medicare Part A and Part B, commonly known together as Original Medicare.

In order to enroll in Medicare at age 65, you must meet the following requirements:

  • You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You or your spouse must have worked long enough to be eligible for Social Security or Railroad Retirement benefits.

  • You or your spouse must be government employees or retirees who have not paid into Social Security but have paid Medicare payroll taxes.

If you are under 65, you may be eligible for Medicare if you meet the following criteria:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

You may not qualify for most Medicare Advantage plans if you have ESRD, but you may be able to enroll in an Illinois Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in Illinois

The first time you may be able to enroll in an Illinois Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your Medicare IEP is a seven-month period when you typically will first become eligible for Medicare. Your IEP begins three months before your 65th birthday, includes the month of your birthday and continues on for three more months.

Additional times at which you may be able to sign up for a Medicare Advantage plan include:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

From Jan. 1 to March 31 every year, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during this period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

The Annual Enrollment Period is sometimes also called the Annual Election Period.

During AEP, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

You may also drop your existing Medicare Advantage plan and return to Original Medicare.

During AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year, but only for certain qualifying circumstances and limited situations.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find an Illinois Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Top-rated Medicare Advantage Plans in Illinois 2019

Each year, the Centers for Medicare & Medicaid Services (CMS) issues Star Ratings, which use a system of one to five stars to rate all available Medicare Advantage plans.2

In order for a Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

There are 41 top-rated 2019 Medicare Advantage plans in Illinois that are rated four stars or higher.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

The five categories by which Medicare Advantage plans are rated include the following:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, problems receiving services and member retention
  • Customer service

The information for the star ratings is gathered from information that is submitted to Medicare, Medicare’s regular monitoring activities and member surveys.

List of Medicare Advantage Plans Available in Illinois in 2019

To view a list of plans offered in your area within Illinois, use our plan comparison tool.

Find an Illinois Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Private insurance companies offer Medicare Advantage plans in Illinois

Certain insurance carriers may offer Medicare Advantage plans in Illinois, but the availability of plans where you live may vary.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

You can call to speak with a licensed insurance agent who can help you compare the Medicare Advantage plans that are sold by one or more insurance companies where you live.

When you’re shopping for Medicare Advantage plans in Illinois, you can use some of the following information to help guide your decision:

  • The Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

Illinois Medicare Advantage plans by county

The chart below provides some more information about 2019 Illinois Medicare Advantage plans by county.1

  • There were more $0 premium plans in Cook County than in any other Illinois county in 2019, with 11 such plans.

  • Boone County had 12 top-rated Medicare Advantage plans in 2019, which was the most in any county in the state.
2019 IL Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Average Monthly Premium Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Adams 2397 15% $37 5 2 50%
Alexander 165 9% $39 0 0 67%
Bond 746 20% $21 3 0 59%
Boone 3054 29% $4 18 5 91%
Brown 211 19% $64 0 0 25%
Bureau 1356 16% $48 2 0 17%
Calhoun 235 18% $30 1 0 31%
Carroll 1176 26% $46 1 0 36%
Cass 538 20% $57 0 0 11%
Champaign 13771 45% $59 2 1 27%
Christian 1799 22% $87 0 0 3%
Clark 804 21% $77 0 0 7%
Clay 277 8% $60 0 0 27%
Clinton 1422 18% $11 0 0 75%
Coles 2210 22% $62 0 0 4%
Cook 240019 28% $7 24 11 76%
Crawford 456 10% $53 0 0 7%
Cumberland 556 22% $73 0 0 10%
De Witt 923 25% $91 0 0 7%
DeKalb 3643 22% $37 0 0 5%
Douglas 1341 32% $88 0 0 10%
DuPage 37515 22% $8 4 3 84%
Edgar 794 18% $103 0 0 3%
Edwards 154 9% $69 0 0 23%
Effingham 951 12% $79 0 0 6%
Fayette 658 14% $53 0 0 31%
Ford 701 22% $97 0 0 2%
Franklin 2088 20% $51 0 0 3%
Fulton 2134 25% $40 1 0 35%
Gallatin 213 14% $71 0 0 40%
Greene 446 14% $18 0 0 64%
Grundy 1206 13% $44 2 0 1%
Hamilton 233 12% $39 0 0 67%
Hancock 660 13% $75 0 0 15%
Hardin 157 13% $71 0 0 40%
Henderson 288 16% $44 0 0 38%
Henry 3402 28% $34 1 1 44%
Iroquois 1080 15% $95 0 0 4%
Jackson 2559 24% $56 0 0 2%
Jasper 332 14% $63 0 0 25%
Jefferson 1232 14% $60 0 0 27%
Jersey 1151 21% $11 0 0 75%
Jo Daviess 3157 47% $126 4 1 0%
Johnson 751 23% $48 0 0 10%
Kane 19964 24% $17 5 1 37%
Kankakee 4848 21% $26 2 0 29%
Kendall 3677 21% $20 0 0 11%
Knox 4126 32% $5 1 1 84%
La Salle 3605 14% $45 0 0 15%
Lake 18803 16% $8 0 0 85%
Lawrence 327 10% $49 0 0 10%
Lee 1536 18% $53 0 0 36%
Livingston 1879 23% $17 0 0 81%
Logan 1633 26% $102 0 0 3%
Macon 3775 15% $66 0 0 9%
Macoupin 2040 17% $24 0 0 70%
Madison 20095 36% $7 2 1 84%
Marion 1117 11% $60 0 0 27%
Marshall 633 20% $6 0 0 92%
Mason 639 17% $80 0 0 11%
Massac 391 10% $39 0 0 67%
McDonough 1612 26% $60 0 0 3%
McHenry 8344 15% $22 0 0 21%
McLean 8227 30% $32 0 0 66%
Menard 919 32% $87 0 0 7%
Mercer 1355 32% $32 0 0 54%
Monroe 2781 39% $5 0 0 89%
Montgomery 1118 16% $53 0 0 10%
Morgan 1805 22% $92 0 0 4%
Moultrie 497 15% $77 0 0 6%
Ogle 2978 26% $15 0 0 80%
Peoria 12305 33% $7 1 1 85%
Perry 1136 24% $48 0 0 7%
Piatt 1452 38% $64 0 0 26%
Pike 550 14% $63 0 0 25%
Pope 222 19% $71 0 0 40%
Pulaski 194 12% $39 0 0 67%
Putnam 318 21% $56 0 0 25%
Randolph 1823 26% $32 0 0 34%
Richland 498 13% $70 0 0 10%
Rock Island 12213 38% $32 1 1 42%
Saline 1123 18% $52 0 0 2%
Sangamon 15384 36% $87 0 0 2%
Schuyler 313 18% $71 0 0 21%
Scott 222 20% $55 0 0 29%
Shelby 627 11% $53 0 0 31%
St. Clair 18169 36% $5 0 0 87%
Stark 347 25% $11 0 0 86%
Stephenson 4880 40% $2 0 0 98%
Tazewell 8441 28% $10 0 0 86%
Union 1076 22% $71 0 0 40%
Vermilion 7015 38% $70 0 0 19%
Wabash 336 12% $69 0 0 23%
Warren 773 21% $39 0 0 44%
Washington 535 16% $19 1 0 65%
Wayne 340 8% $69 0 0 23%
White 475 12% $71 0 0 40%
Whiteside 2689 19% $24 0 0 69%
Will 26725 24% $8 1 1 81%
Williamson 3105 20% $59 0 0 1%
Winnebago 21452 35% $4 6 4 86%
Woodford 1799 22% $14 2 1 83%

IL Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Illinois Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Illinois enrollees (2019)
HMO 96.7%
Local PPO 2.4%
Regional PPO <1%
PFFS <1%
Other Plans <1%

The major types of Medicare Advantage plans include:

  • HMO
    With a Health Maintenance Organization (HMO), you are usually required to use health care providers and pharmacies that are part of the plan’s network (except in the case of emergencies).

    You are also typically required to get a referral from a primary care doctor in order to see a specialist if you have an HMO plan.

  • PPO
    Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) can typically see providers outside of their plan’s network, often at a higher cost.

    PPO plan beneficiaries typically pay less out of pocket if they choose to receive medical services from providers within their plan’s network.

    PPO plans typically do not require patients to acquire a referral before visiting with a specialist.

  • PFFS
    A Private Fee-For-Service (PFFS) plan determines how much it will pay to health care providers when care is received.

    With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts Medicare and your plan’s terms. Not all providers will accept these terms, however.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics.

    A Medicare SNP is required to provide prescription drug coverage.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2019 Illinois Medicare Advantage plans that are available where you live.

Local health insurance resources in Illinois

  • The Illinois Senior Health Insurance Program is a free service for Medicare beneficiaries in the state of Illinois.

    The program provides counseling and assistance to both beneficiaries and their caregivers in the hopes of helping people take better advantage of their benefits and exercise their rights and options.

    The program may be reached at 800-252-8966.     

  • You can also explore more information about the insurance industry in Illinois by visiting the state’s Department of Insurance website.

  • Illinois Prescription Drug Assistance Programs
    The state of Illinois has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.

Copyright © 2019 TZ Insurance Solutions LLC. All rights reserved.

1 MedicareAdvantage.com's internal analysis of CMS Medicare Advantage landscape source files, accessed May 2019. Data retrieved from www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovGenIn.

Includes 2019 approved contracts/plans. PACE, Special Needs Plans, Part B Only Plans, and Employer sponsored plans (800 series) are excluded. Plans under sanction are not shown.

2 Every year, Medicare evaluates plans based on a 5-star rating system.

MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC is a licensed and certified representative of A Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal.

TZ Insurance Solutions LLC and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. This website does not contain a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call (877) 486-2048), 24 hours a day / 7 days a week or consult www.medicare.gov.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums, and/or copayments/coinsurance may change on January 1 of each year.

Medicare has neither reviewed nor endorsed this information.

Last Updated: 6/27/2019