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Medicare Supplement Plans in Illinois

The best Medicare Supplement insurance plans in Illinois for 2022 cover Medicare-approved, out-of-pocket expenses that you are expected to pay when you are enrolled in Medicare Part A and Part B. There are 10 Medicare Supplement plans, each designated by a different letter: A, B, C, D, F, G, K, L, M, and N. Depending on the plan you choose, some or all of these expenses are covered:

•    Copayments.

•    Deductibles.

•    Coinsurance.

Unlike Original Medicare insurance that is underwritten by the federal government, Medicare Supplement plans are sold by private insurance companies. The Illinois Department of Insurance regulates these companies and stipulates which Medicare Supplement plans in Illinois are offered.

Because these plans fill in the gaps in coverage of Original Medicare, they are also known as Medigap plans. Each company must offer the same benefits for a given plan. However, companies can set their own rates for a plan, so it pays to compare.

Medicare Supplement plans can be used with any doctor or healthcare institution in the U.S. that accepts Original Medicare. There are no preferred providers or geographical restrictions.

What is the Best Medicare Supplement Plan in Illinois?

In 2022, the most popular Medicare Supplement plan in Illinois is Plan G. Enrollees like this Medicare Supplement plan for its well-rounded benefits and affordable rates, even if you have pre-existing conditions.

Plan G: Best comprehensive medical coverage

The Medigap Plan G covers the following:

– Allows you to see a U.S. doctor that accepts Original Medicare
– All of Medicare Part A coinsurance, copays, and deductibles
– Part B coinsurance and copayments

Plan G does not cover Part B deductible. With Plan G, those will be your only out-of-pocket costs. For Medicare coverage for a Prescription drug plan, you will need Medicare Part D Plan. See below:

– Medicare Part D Plan covers outpatient retail prescriptions

– Plan G does offer prescription drug coverage for all Part B medications

Other basic benefits of Plan G include:

  • The ability to change doctors anytime
  • The freedom to go to any hospital or facility for health care that takes Original Medicare
  • Covers 100% Excess Charges
  • Covers foreign travel emergency

Also, no referrals are needed with this plan, and you can go outside of the network.

Plan F: Best full coverage

Before 2021, Plan F was one of the best Medicare Supplement plans in Illinois for full coverage. It is available to those who were eligible for Medicare coverage prior to 1/1/2020.

Plan F includes Medicare Part B deductible as part of its cost, so you do not have to pay this expense. If you do not qualify for Plan F, then Plan G will be the next best Medigap policy to choose. The only difference is Plan G does not include the Medicare Part B deductible.

Illinois Medigap popularity by plan:

As of 2018, the population of Illinois was 12,741,080. Approximately 15.2 percent of the population is over age 65. In 2016, the state ranked seventh in the nation in the number of Medicare beneficiaries, at 2,108,645, or 16 percent of the state population. Approximately 86 percent were enrolled because of age, and 14 percent were enrolled because of disabilities. Approximately 36 percent of all Medicare beneficiaries in Illinois, or 748,367 people, were enrolled in Medigap policies.

Nationwide, Illinois ranked seventh in total Medicare spending, at $22,520 million. The state ranked 14th in spending per Medicare beneficiary, at $11,116.

The number of enrollees in each plan are as follows:

•    Plan F: 445,870 57%

•    Plan G: 237,502 30%

•    Plan N: 55,003 7%

•    Plan D: 13,499

•    Plan C: 14,144

How Much does A Medicare Supplement Plan in Illinois Cost?

The average cost for a Medigap plan in Illinois will depend on the insurer. Pricing is based on factors such as community ratings that prices for any age, issue age that prices for the age you are when you purchase a plan and attained age whose premiums increase with age.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan F$170.00 - $370.00
Plan G$93.00 - $349.00
Plan N$71.00 - $333.00

When Can I Apply for a Medigap Plan?

An application can occur whenever but is best within the six-month Medigap Open Enrollment period. During this time, you can compare plan options and gain the best pricing for your Medicare benefits. See below for age specifics.

65 or older: When you enroll in Part B (it can’t be changed or repeated), you can get a Medigap Plan in Illinois.

Turning 65: Medicare beneficiaries can be enrolled on the first day of the month you turn 65. At this time, your six-month enrollment period begins. Being enrolled in Part B will be necessary.

Under 65: Eligibility may not be possible under 65. For some, it will depend on their state because some states are required to sell Medigap insurance to those under 65. These policies are generally more expensive.

Medicare supplement plans do not have enrollment periods. A Medigap plan in Illinois or in any state can be purchased at any time. Enrollment periods only apply to Part D Plans or Medicare Advantage plans. They also apply to someone aging into the Federal Medicare Program, retiring from group coverage, or someone losing a Medicare Advantage plan.

In Illinois, if you’ve been receiving SSDI for 2 years, you are automatically eligible to enroll in Medicare Parts A, B, and D.

It is important to remember that you have guaranteed issue rights. This means that an insurance company can’t refuse you a Medigap policy if your Medicare Advantage Plan leaves Medicare, stops providing in your area, or you move out of one service area and into another.

What Companies Sell Medicare Supplement Plans in Illinois?

1. Cigna – For a Medigap plan in Illinois, this company is trusted by many and is very knowledgeable about the Medicare enrollment process. Cigna has over 165 million customers and is well established.

2. Aetna – As one of the largest insurance companies, Aetna has extensive extra benefits along with more $0 premium Medicare Advantage plans for their customers.

3. Mutual of Omaha – MOH is known for customer satisfaction and is considered financially stable for their customers. Also, they have local agents you can visit in person if needed.

Most Popular Medigap Companies Ranked By Enrollment in Illinois

How do I apply for a Medigap Plan in Illinois?

My Medigap Plans specializes in educating Medicare beneficiaries on their options and guiding them through the process of plan selection. We work closely with top companies. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart.

FAQ

Does Medicare pay for assisted living in Illinois?

Medicare generally only covers a shorter stays in a skilled nursing or rehabilitation center while an adult is recovering from an illness or injury. It can also cover in-home rehab care performed by a home health nurse or therapist.

It does not cover non-medical care services such as:

  • Assisted living
  • Long-term care in a nursing care community
  • Residential care homes
  • Non-medical home care

 

How Much does Medicare cost in Illinois?

Most people don’t pay a monthly premium for Medicare Part A (sometimes called “premium-free Part A“). If you buy Part A, you’ll pay up to $499 in 2022. If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $499 in 2022. If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $274 in 2022.

The standard Medicare Part B premium is $170.10 in 2022 (or higher depending on your income)

Learn more about Illinois Medicare cost

 

How old do you have to be to qualify for Medicare in Illinois?

Medicare is a federal health insurance program for individuals age 65 and older, individuals under age 65 with certain disabilities and individuals of any age with End-Stage Renal Disease (ESRD).

 

Learn more about Qualifying for Medicare in Illinois

Related Topics

Key Take Aways
  • In Illinois, you can choose between 10 Medicare Supplement Plans.
  • In Illinois, Medigap Plan G is the most robust plan.
  • Supplemental Plans do not use a provider network.
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