Find 2018 Medicare Plans in Illinois - IL Medicare Insurance Overview

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Illinois Medicare Insurance

Medicare in Illinois

Medicare offers healthcare coverage to Illinois residents age 65 or older, or to those Illinois residents that suffer from certain medical disabilities. In 2015, 2,066,376 people are enrolled in Medicare in Illinois, accounting for 16% of the population in Illinois. In 2009 about $10,615 was spent per Medicare enrollee in Illinois, approximately 2.41% higher than the national average of $10,365. Between 2015 to 2030 the senior population in Illinois is expected to increase by an estimated 35.71% according to calculations based off of the 2000 Census. Therefore the number of Medicare beneficiaries in Illinois is also projected to increase.

Local Medicare Resources

Illinois provides a free, one-on-one health insurance counseling service for Medicare beneficiaries and their caregivers through the Senior Health Insurance Program (SHIP). Another program, called the Illinois Senior Medicare Patrol (SMP) educates and empowers consumers to identify, avoid, and report instances of Medicare fraud, abuse, and/or waste.

Types of Medicare Coverage

When you are eligible for Medicare you may sign up for Original Medicare (Part A & Part B), which cover hospital services and medical services, respectively, or you may enroll in a Medicare Advantage Plan (Medicare Part C). If you sign up for Original Medicare you also have the option to purchase a separate or stand alone prescription drug plan (Part D). Medicare Advantage and Medicare Part D insurance plans are sold by private insurance companies that have a contract with Medicare. Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. For most Medicare beneficiaries, Part A is already paid through paycheck deductions during their working years (or their spouse's) but most Medicare beneficiaries pay premiums for Part B unless they are eligible for financial assistance. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Many Medicare beneficiaries will elect to enroll in a Medicare Advantage plan that includes prescription drug coverage (MAPD) or purchase a stand alone prescription drug plan to go with their Original Medicare coverage. Most Medicare Advantage plans also include additional health benefits such as vision, dental, or hearing coverage and you have the option to purchase a Medicare Advantage plan with prescription drug coverage (MAPD) in almost all states.

Illinois 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

  • The average total monthly premium for a 2017 Medicare Advantage plan in Illinois is $65.72, 5.19% greater than the national average of $62.48. 18.23% of 2017 Medicare Part C insurance plans in Illinois have a $0 monthly premium.
  • The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $400, but in Illinois the average annual drug deductible for Medicare Part C insurance plans with drug components is $278.42. 27.01% of 2017 Medicare Part C insurance plans with a drug component in Illinois have a $0 annual drug deductible.
  • The average total monthly premium for a 2017 Medicare Advantage plan without a drug component in Illinois is $43.47. 32.45% of 2017 Medicare Part C insurance plans without a drug component in Illinois have a $0 monthly premium.
  • The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in Illinois is $5,208.34. 5.4% of 2017 Medicare Advantage plans in Illinois had a medical out-of-pocket limit of $3,400 or less.

To assist seniors in choosing Medicare plans, CMS assigns star ratings to Medicare Part C and Part D plans each year based on preventive care, chronic condition management, customer service, member satisfaction, and drug pricing. Ratings range from 1 star (a poor plan) to 5 stars (an excellent plan).

  • The average overall CMS star rating assigned to Medicare Part C insurance plans in Illinois was 4 stars in 2017.
  • Among Illinois's 2017 Medicare Advantage plans with CMS star ratings:
    • 0.22% earned a score of 5 stars
    • 66.59% earned a score of 4 or 4.5 stars
    • 26.19% earned a score of 3 or 3.5 stars
    • 4.96% earned a score of 2.5 stars
    • 2.04% of plans are “Not enough data available” or “Too new to be measured”.

Sources:

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

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Illinois Medicare Insurance Companies

There are 24 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in Illinois. Of these, the companies that offer the largest variety of plans to choose from are Humana, Aetna, and Health Alliance Medicare. In Illinois,. The following are all medicare insurance providers in Illinois:

2018 Best Medicare Plans in Illinois

There are 102 medicare plans in Illinois. The following are the 10 highest rated medicare plans in Illinois based on their CMS rating for the plan's overall quality.

Monthly CostPlan NameCMS Rating
from $0Humana - Humana Gold Plus H1468-013 (HMO) - Cook County
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from $0Humana - Humana Gold Plus H1468-016 (HMO) - Dupage County
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from $0Essence HealthCare - Essence Advantage (HMO) - Madison County
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from $19Humana - Humana Gold Plus H1468-014 (HMO) - Kane County
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from $19Humana - Humana Gold Plus H1468-015 (HMO) - Boone County
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from $30Humana - Humana Gold Plus H1468-007 (HMO) - Knox County
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from $79Essence HealthCare - Essence Advantage Plus (HMO) - Madison County
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from $0Humana - HumanaChoice H5216-012 (PPO) - Cook County
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from $0Health Alliance Medicare - Health Alliance Medicare HMO Basic (HMO) - Boone County
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from $0Humana - HumanaChoice H5216-140 (PPO) - Madison County
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Best Illinois Medicare Plans for Managing High Blood Pressure

The following are the 5 highest rated medicare plans in Illinois based on their CMS rating for the plan's ability for controlling high blood pressure.

Monthly CostPlan NameCMS Rating
from $137Humana - HumanaChoice R5361-002 (Regional PPO)
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from $0Humana - HumanaChoice R5361-001 (Regional PPO) - Adams County
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from $86Aetna - Advantra Option 2 (HMO) - Bond County
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from $41Aetna - Advantra Option 1 (HMO-POS) - Bond County
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from $0Aetna - Advantra Value (PPO) - Boone County
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Best Illinois Medicare Plans for Managing Diabetes

The following are the 5 highest rated medicare plans in Illinois based on their CMS rating for the plan's ability for diabetes care including: eye exam, kidney disease monitoring, blood sugar controlled and cholesterol controlled.

Monthly CostPlan NameCMS Rating
from $72Aetna - Aetna Medicare Standard Plan (PPO) - Cook County
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from $0Aetna - Aetna Medicare Value Plan (PPO) - Cook County
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from $79Essence HealthCare - Essence Advantage Plus (HMO) - Madison County
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from $0Essence HealthCare - Essence Advantage (HMO) - Madison County
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from $142Medical Associates - Medical Associates Freedom Plan (Cost) - Jo Daviess CountyNot Rated
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Best Illinois Medicare Plans for Managing Rheumatoid Arthritis

The following are the 5 highest rated medicare plans in Illinois based on their CMS rating for the plan's ability for rheumatoid arthritis management.

Monthly CostPlan NameCMS Rating
from $0Meridian Health Plan - MeridianCare Essential (HMO) - Dupage County
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from $118Blue Cross Blue Shield of Illinois - Blue Cross Medicare Advantage Elite (HMO-POS) - Dupage County
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from $83Blue Cross Blue Shield of Illinois - Blue Cross Medicare Advantage Premier Plus (HMO-POS) - Cook County
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from $70UnitedHealthcare - AARP MedicareComplete Choice Plan 2 (PPO) - Madison County
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from $30UnitedHealthcare - AARP MedicareComplete Choice Plan 1 (PPO) - Madison County
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Best Illinois Medicare Plans for Managing Osteoporosis

The following are the 5 highest rated medicare plans in Illinois based on their CMS rating for the plan's ability for osteoporosis management.

Monthly CostPlan NameCMS Rating
from $142Medical Associates - Medical Associates Freedom Plan (Cost) - Jo Daviess CountyNot Rated
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from $142Medical Associates - Medical Associates Community Plan (Cost) - Jo Daviess CountyNot Rated
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from $112Medical Associates - Medical Associates SmartPlan (Cost) - Jo Daviess CountyNot Rated
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from $11Cigna-HealthSpring - Cigna-HealthSpring Primary (HMO) - Cook County
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from $0Cigna-HealthSpring - Cigna-HealthSpring Premier (HMO-POS) - Cook County
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Most Popular Medicare Doctors in Illinois

The following are the most popular medicare doctors in Illinois based on the provider utilization and payment data published by the U.S. Department of Health & Human Services.

NameSpecialtyLocation
Internal MedicineSCHAUMBURG, IL
RadiologyGLENVIEW, IL
Thoracic Surgery (Cardiothoracic Vascular Surgery)MAYWOOD, IL
OtolaryngologyCHICAGO, IL
Internal MedicineARLINGTON HEIGHTS, IL
Internal MedicineELK GROVE VILLAGE, IL
Neurological SurgeryLIBERTYVILLE, IL
Thoracic Surgery (Cardiothoracic Vascular Surgery)ELK GROVE VILLAGE, IL
Internal MedicineNAPERVILLE, IL
Thoracic Surgery (Cardiothoracic Vascular Surgery)CHICAGO, IL
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Browse Medicare Plans by Cities

  1. Chicago, IL
  2. Aurora, IL
  3. Rockford, IL
  4. Joliet, IL
  5. Naperville, IL
  6. Springfield, IL
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