Best Medicare Supplement Plans in Illinois

Medicare Supplement plans in Illinois, also called Medigap, help pay for deductibles and coinsurance that Original Medicare doesn’t cover.

There are 10 Medicare Supplement plans, each designated by a different letter: A, B, CD, F, G, K, L, M, and N.

Even though you have ten plan options, we found Medicare Supplement Plan G to be the best plan in Illinois based on the most comprehensive coverage and affordable rates.

The best rates on Plan G in Illinois are with Mutual of Omaha, coming in at $123.00 per month for a 65-year-old- female.

We also found the second best plan to be Medicare Supplement Plan N. Mutual of Omaha offers the best rates on Plan N, at $87.00 per month.

Each company must offer the same benefits for a given plan.

Medicare Supplement plans can be used with any doctor or healthcare institution in the U.S. that accepts Original Medicare.

Medicare Supplement Plan options in Illinois:

In 2023, 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 they have pre-existing conditions.

Medicare Supplement Plan G

Medigap Plan G covers the following:

– Allows you to see a U.S. doctor that accepts Original Medicare

– All Medicare Part A coinsurance, copays, and deductibles

– Part B coinsurance and copayments

Plan G does not cover the Part B deductible.

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.

Medicare Supplement Plan N

Medigap Plan N in Illinois is the second most popular of the Medicare plans available for Illinois residents enrolled in the Medicare program.

It has more coverage & benefits than simple plans like Plan A but is cheaper than Plan G or Plan F. It does require some cost sharing, but top companies like Blue Cross Blue Shield often offer very reasonable monthly premiums for this plan.

  • It does NOT cover Part B Deductible.
  • In addition, it does NOT cover Excess Charges for Part B.
  • Requires a $20 copay for office visits
  • Requires a $50 copay for emergency room visits

Medicare Supplement High Deductible Plan G

  • Same Benefits as Medicare Plan G
  • Annual Deductible of $2,700
  • Significantly Cheaper than Medicare Plan G
  • High Deductible Plan G is Considerably Cheaper than High Deductible Plan F yet Covers everything in high deductible F except for the Part B Deductible. 

Medicare Supplement Plan F

Before 2021, Plan F was one of Illinois’s best Medicare Supplement plans for full coverage. It is available to those eligible for Medicare coverage before 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.

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.

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

The number of enrollees in each plan is 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

Top-rated Medicare Supplement Plan Providers 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 and $0 premium Medicare Advantage plans for their customers.

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

How Much Does Medicare Supplement Insurance Cost in Illinois?

Medicare Supplement Plans in Illinois cost an average of $129.00 per month, but rates can vary depending on the Insurer.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

Pricing is based on factors such as community ratings that price 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.

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 any state can be purchased anytime. 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 losing a Medicare Advantage plan.

In Illinois, if you’ve received SSDI for two 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.

FAQ

Does Medicare pay for assisted living in Illinois?

Medicare generally only covers shorter stays in a skilled nursing or rehabilitation center while an adult is recovering from an illness or injury. However, 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 2023. If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $499 in 2023. If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $274 in 2023.

The standard Medicare Part B premium is $170.10 in 2023 (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

Ready To Learn More?

My Medigap Plans specializes in educating Medicare beneficiaries on their options and guiding them through the plan selection process. 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.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.