There are just over 1,653,000 people in Illinois who are Medicare recipients. This can range from being totally enrolled in all aspects for some, while others are just receiving benefits from some parts of Medicare.

Whether you are about to join Medicare or you’re firmly in all or just a portion of it, the Land of Lincoln has plenty of information available about its supplemental plans and also about Original Medicare.

Illinois Medicare Insurance

  • A little more than 1,400,000 Illinoisans can proudly report that they are enrolled in both Part A & B of Medicare.
  • Just over 1,200,000 of those receive Medicare by aging in.
  • Roughly 180,000 are enrolled through disability.
  • Medicare Part D utilizers account for 1,630,000 Illinois residents. Medicare Advantage plans have 534,000 beneficiaries.

Perusing Medicare Costs in Illinois

Whether you are new to Medicare or currently a user but feel you might need a refresher, the following info should help you get a grip on potential costs surrounding Original Medicare.

Part A of Medicare is free and covers all the costs of hospital visits. This is also known as inpatient care. While it is free to enroll, it’s good to be mindful that a deductible for each benefit period exists. If you have an unexpected emergency room visit or are scheduled for major surgery, Part A would cover you.

The other side of Original Medicare is Part B. Basically any doctor visit not at the hospital uses Part B. Anything from a trip to your general practitioner to a specialist is included, as well as needed medical supplies, vaccines, and more.

If you are 65 years or older and a U.S. citizen, you have access to both parts. If you have a 10-year work history, membership in Part A of Medicare is free.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare in Illinois

To see the reach of Original Medicare, let’s take a quick look at those that are enrolled in both Parts A&B in Illinois. In the Land of Lincoln, a shade over 1,600,000 Illinoisans have at least one part. Of that number, 1,400,000 aged in and 200,000 get it through disability.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Illinois

Even though Parts A&B are good for most people, there might come a time when you decide you require a supplemental Medicare plan to ensure you’re fully insured. Here are some of the different supplements available.

Medigap: If some part of Original Medicare doesn’t offer all the coverage you need, a Medigap plan might be for you. This plan costs the recipient upfront money but can help by further reducing or altogether eliminating co-pays and deductibles. You’re also not tied to just Original Medicare’s approved providers, including coverage if you travel outside of the United States.

Part C/Medicare Advantage: Medicare Advantage is another way Illinois residents can receive their Original Medicare. The way this works is private health care providers have to follow the rules of Original Medicare. You’ll pay an out-of-pocket premium for this. However, depending on what’s offered in your exact area, it could be advantageous to choose this option.

Part D: Medication can be expensive. So a Part D plan, which covers your prescription drugs, is attractive to many senior citizens who want more stabilized costs. Recipients can be in different tiers of Part D coverage based on their individual needs.

Another important note is that if you’re in a Medicare Advantage plan, it’s possible to get Part D included with Parts A&B.

One thing all these supplemental plans have in common is the price will differ depending on what coverage you ultimately choose and where you live within Illinois. So those in Chicago will be eligible for a different rate than their counterparts in Springfield or Rockford, for instance.

Illinois Medicare Resources

The State of Illinois has its SHIP program through the Illinois Department of Aging. In particular, its Good Start Medicare page is a good starting point for figuring out what you need to know about Medicare.

If Medicaid is what you’re in search of, citizens can apply for and find information about that through the Application for Benefits Eligibility (or ABE).

When you’re looking for supplemental health care plans, though, we are the ones who can provide you with those.

Cities in Illinois with Estimated Premiums for Medicare Supplement Coverage

Below, there are charts with the estimated premiums for Medicare Supplement coverage for the following cities:


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

If you are an able-bodied person, you must be 65 years old to enroll in Medicare. However, if you suffer from a disability and have been drawing Social Security Disability Insurance for at least 24 months, you can enter it earlier.

What is the income limit for Medicaid in Illinois?

Indeed, there is. The income limit for Medicaid is $17,775 per year for a single person before taxes. To figure out your exact threshold, add $6,265 for each additional person in your household. If you are at or under the number for your family, you qualify for Medicaid in Illinois

Can I get Medicare at age 62?

You can only get Medicare under extremely specific criteria at age 62. Those include:

  • End-stage renal (kidney) disease
  • Receiving SSDI for at least 24 months, unless you have ALS (also known as Lou Gehrig’s disease). The 24-month requirement is waived in this case.

How to Sign Up for Supplemental Medicare in Illinois

A licensed agent can help you sort through all the different supplemental Medicare plans in the state of Illinois. As the customer, you have a wealth of options, and using a licensed agent will be a huge aid — especially considering the agent is free of charge!

Your health coverage is not a decision to take lightly. So give us a call or click on our rate form to connect with us today and assist you in finding the best plans at affordable prices.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.