Find 2019 Medicare Plans in Illinois - IL Medicare Insurance Overview

Medicare Insurance in Illinois

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Illinois Medicare Insurance

Illinois Medical Insurance Stats

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 2016, 1,994,000 people are enrolled in Medicare in Illinois, accounting for 15.8% 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

There are 28 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,Humana has the largest selection of Medicare Advantage plans while Humana offers the most Medicare Part D plans. The following are all medicare insurance providers in Illinois:

Humana

19 Plans

Aetna

17 Plans

WellCare

3 Plans

Senior Preferred

3 Plans

Cigna

3 Plans

UNITEDHEALTHCARE INS. CO. & UHC INS. CO. OF NY

2 Plans

OMAHA HEALTH INSURANCE COMPANY

2 Plans

Clear Spring Health

2 Plans

allwell

1 Plans

Sunrise Advantage Plan (HMO SNP)

1 Plans

MeridianComplete

1 Plans

Lasso Healthcare

1 Plans

HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, Medicaid or an individual health insurance plan, we will help you find the right healthcare option and save on your out of pocket healthcare costs. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. If you select a plan presented on our site, you will be directed (via a click or a call) to one of our partners who can help you with your application. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan.