In Chicago, Illinois, 180,180 out of 308,565 seniors have supplemental Part A and Part B from an Original Medicare plan. The remaining 41.61% or 128,385 individuals benefit from a Medicare Advantage plan. We’ll delve into leading supplemental Medicare in Chicago, Illinois, its benefits, and drawbacks.

Chicago, Illinois Supplemental Medicare Plans

Beneficiaries with out-of-pocket costs from Original Medicare take advantage of Supplemental Medicare plans that provide more coverage. Supplemental Medicare in Illinois consists primarily of Medicare Advantage (MA) plans and Medigap. The below quotes reflect male recipients of Supplemental Medicare around 70 years of age.

Cheapest Medicare Advantage plans in Chicago, IL

Exactly 128,385 Chicago residents are part of an Illinois Medicare Advantage plan. Chicago, located in Cook and DuPage counties, has 56 and 50 supplemental plans, respectively.

One top plan for Medicare in Chicago, Illinois, is Humana, with a four-star rating. It has one of the lowest maximum out-of-pocket (MOOP) rates of $2,600 and a zero-dollar premium. As a local PPO, it has a limited service area.

UnitedHealthcare is another four-star rated local PPO Medicare Advantage plan. It has a higher MOOP of $5,900. This provider also has a zero-dollar premium.

Blue Cross Blue Shield of Illinois (HMO-POS) allows consumers to receive care outside their network. It has a zero-dollar premium and a $3,450 MOOP. Compared to the former two, it has a slightly lower three-star rating.

PLAN PREMIUM MOOP Plan Type Star Rating
Blue Cross Blue Shield of Illinois $0 $3,450 HMO-POS 3
Wellcare $0 $3,450 LOCAL PPO N/A
UnitedHealthcare $0 $5,900 LOCAL PPO 4
Cigna $0 $4,400 LOCAL PPO 3
Humana $0 $2,600 HMO 4

Affordable Medicare supplement plans in Chicago, Illinois

Supplemental Medicare in Chicago covers what traditional or fee-for-service (FFS) Original Medicare in Illinois doesn’t. Beneficiaries with an additional plan count on supplemental Medicare or Medigap to lower out-of-pocket costs. While Medigap benefits remain constant across all states, monthly premiums may differ depending on location.

The most popular supplemental plan is Plan F. Although it has one of the highest premiums ranging from $155.38 to $456.40, it covers all medical costs. That includes Part B Deductible and Part B Excess Charges, unlike most other plans.

Plan G is closest in benefits to Plan F. For enrollees who already have a Part D deductible, this slightly cheaper plan is ideal. Monthly premium costs range from $163.30 to $414.30.

The High-Deductible Plan F (HDF) offers the same coverage as Plan F. However, Plan HDF has a monthly deductible. That lowers the premium from $47.34 to $87.21 monthly.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $104.36 $446.62
PLAN B $147.86 $407.08
PLAN C $170.43 $453.43
PLAN D $140.50 $396.36
PLAN F $155.38 $456.40
PLAN HDF $47.34 $87.21
PLAN G $126.67 $414.30
PLAN HDG $49.00 $87.29
PLAN K $67.75 $162.25
PLAN L $85.53 $265.22
PLAN M $116.18 $311.58
PLAN N $102.47 $394.68

Average Medicare Part D in Chicago, Illinois

Covering prescription drugs in Illinois out of pocket adds up. Unfortunately, traditional Medicare in Chicago, Illinois (Part A and Part B) and Medigap don’t cover these costs. Instead, consumers need a Part D plan from a private company to cover drug plans.

With a four-star rating, Humana offers Part D with a $480 deductible. It has one of the highest premiums of $22.70.

Blue Cross Blue Shield of Illinois is another four-star private company offering Part D. There’s a slightly lower premium of $20.20. The deductible mirrors Humana’s at $480.

For a smaller premium, consider Aetna. Aetna has a marginally lower rating of three stars. However, it has a $6.90 premium and a $480 deductible.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $6.90 $480 3
Wellcare $11.70 $480 3
Clear Spring $17.70 $480 2
Blue Cross Blue Shield of Illinois $20.20 $480 4
Humana $22.70 $480 4

Medicare Special Needs Plans in Chicago, Illinois

Special Needs Plans (SNPs) are a smaller subcategory of supplemental Medicare in Chicago, Illinois. SNPs help those with cancer, arthritis, and other chronic disabilities or special needs. While they may not be accessible in all areas, the following carriers provide quality plans.

Humana is an HMO plan type. It has the cheapest MOOP of $2,600 for those with chronic or disabling illnesses. This carrier has a zero-dollar premium.

UnitedHealthcare has a Local PPO plan type. It has a high MOOP of $7,550 and a $26.70 premium. Those with chronic illnesses or disabilities are eligible for this plan.

MoreCare (HMO) has a lower MOOP of $3,450. It has a zero-dollar premium. Institutional eligibility makes this plan unique.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Chronic or Disabling
Zing Health $0 $3,450 HMO Chronic or Disabling
Humana $0 $2,600 HMO Chronic or Disabling
MoreCare $0 $3,450 HMO Institutional
UnitedHealthcare $26.70 $7,550 LOCAL PPO Chronic or Disabling

FAQs

What Medicare jurisdiction is Chicago, Illinois, in?

Illinois falls under Jurisdiction 6. The National Government Services (NGS) provide Medicare insurance to the Centers for Medicare & Medicaid Services under this jurisdiction.

How do I apply for Medicare if I was a teacher in the City of Chicago, Illinois?

Retired teachers in Chicago should contact the Social Security Administration (SSA) after turning 65. The SSA decides who is eligible for Part A and B and whether there’s a monthly premium fee. Send an ineligibility statement from SSA to TRS if you’re not eligible.

At what age can you get Medicare A and B in Chicago, IL?

Anyone 65 or older is eligible for Medicare A and B in Chicago. While some may be penalized for signing up later, others may benefit from it.

Which Medigap plans are community-rated in Chicago, IL?

Community-rated plans mean all individuals in an area receive supplemental Medicare for the same monthly premium despite age. AARP’s UnitedHealthcare is the most popular example.

What are some Chicago, IL, City retirees not eligible for Medicare?

A three-year phase-out ending in Chicago in 2016 put an end to retiree health plans for anyone who retired after August 23, 1989. With no city health plan, new retirees must apply for supplemental Medicare to receive Parts A and B.

How to Sign Up for Supplemental Medicare in Chicago

Whether you’re in the information-gathering stage or ready to make a choice, we can help the residents of Chicago, Illinois, get Supplemental Medicare coverage.

Our licensed insurance agents will assist you in sorting through Medigap plans, Part D, and even Medicare Advantage. Their knowledge is unmatched and their time with you is free of charge.

Give us a call today. Or complete our form to find the best rates in your area today!

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. 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.