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

Quick links:

There are 151 different Illinois Medicare Advantage (Medicare Part C) plans in 2022.1 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.

Average costs of IL Medicare Advantage plans

Though the average premium for a Medicare Advantage in Illinois is $70.62 per month in 2022, you may be able to find plans where you live that feature $0 premiums.

  • Average in-network out-of-pocket spending limit: $4,944.40
  • Average drug deductible (weighted): $392.722

The cost of a Medicare Advantage plan can vary depending on where you live. 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 to speak with a licensed insurance agent. We accept calls 24/7!

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.

If you have ESRD, you may be able to enroll in a Medicare Advantage plan or 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 $0 premium Illinois Medicare Advantage plans

Compare Plans

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

Top-rated Medicare Advantage Plans in Illinois 2022

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.

55% of 2022 Medicare Advantage plans in Illinois are rated four stars or higher.1

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 2022

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

Find $0 premium Illinois Medicare Advantage plans

Compare Plans

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

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

Learn more about Medicare Advantage plans in some of Illinois' most populous counties.

IL Medicare Advantage plans by plan type

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 2022 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.

 

1 Freed M. et al. (Nov. 2, 2021). Medicare Advantage 2022 Spotlight: First Look. Kaiser Family Foundation. Retrieved from www.kff.org/issue-brief/medicare-advantage-2022-spotlight-first-look.

2 MedicareAdvantage.com's The Best States for Medicare report.

3 Medicare evaluates plans based on a 5-star rating system.