Best Medicare Supplement Companies in Illinois

Medicare Supplement Costs in Illinois

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The State of Illinois Department on Aging Senior Health Insurance Program provides a comparison guide to help seniors shop for Medicare supplement plans. For a male 65-year-old non-smoker, plan A annual premiums range from $1,100 to $2,300. In Illinois, plan G might be a good choice because it covers all Medicare Supplement benefits except Part B deductible costs, with a reasonable monthly premium.

Illinois Medicare Supplement Costs by Plan (Annual Premiums)
Plan	Monthly Premiums (Range)
Plan A	$85 – $411
Plan B	$121 – $407
Plan D	$119 – $396
Plan G	$98 – $509
Plan G High	$32 – $90
Plan K	$56 – $175
Plan L	$70 – $274
Plan M	$96 – $265
Plan N	$76 – $483

For a 65-year-old person. Data collected on Medicare.gov. Prices are accurate as of publication.

When budgeting for your coverage, be sure to consider can monthly premiums and yearly deductibles. Illinois residents under 65 who enroll in Medicare supplemental plans will pay higher premiums overall. Premiums will vary depending on your insurer and how your premium is rated.

When Should You Enroll in an Illinois Medicare Supplement Plan?

New in 2022, if an Illinois resident is between age 65 and 75, and has an existing Medicare supplement policy, the individual is entitled to a new annual open enrollment period. The individual can sign up for a new Medigap policy (from the same provider) without medical underwriting. Blue Cross Blue Shield of Illinois offers Medicare supplement guaranteed issue rights at any time. You might get guaranteed issue rights in other citations, such as moving outside the coverage area or your plan coverage ends through no fault of your own. Illinois also allows you to change from Medicare Advantage to Original Medicare within the first year of your enrollment. Browse the state’s complete list of special enrollment periods to determine what applies to you. In Illinois, the Medicare initial enrollment period is three months before and after your 65th birthday. Individuals with disabilities or End-Stage Renal Disease (ESRD) can also enroll, even if they’re under 65. Open enrollment in a Medicare supplement plan, or Medigap, lasts six months from when your Medicare Part B becomes active. During this one-time election period, enrollees have guaranteed issue rights, which means insurers cannot turn down applicants or charge more based on medical history. After this six-month window, Illinois residents can still sign up for Medicare supplement plans, but Medigap applicants will be subject to medical underwriting and can be denied or charged higher premiums based on medical history.

Medicare Enrollment in Illinois

Illinois partners with the Centers for Medicare and Medicaid to contract health plans and coordinate delivery of services for participating enrollees. Illinois residents who sign up for Medicare supplement plans have a 30-day “free look” period to review the policy, cancel the plan, and receive a full refund if they choose. All standardized Medicare supplement plans are renewable for life.

Illinois Medicare Supplement Company Reviews

Helpful Resources

• Do All Doctors Accept Medicare Supplement (Medigap) Plans?
• Do Medicare Supplement Plans Cover Foreign Travel?
• How are Medicare Supplement Plan Premiums Calculated?
• Medicare Supplement (Medigap) Guaranteed Issue Rights
• Medicare Advantage vs. Medicare Supplement Insurance Plans