In Joliet, Illinois, 110,725 Medicare beneficiaries enrolled in Part A and B. 26.54% of them, or 29,338 beneficiaries, have Medicare Advantage. At the same time, 81,337 consumers rely on fee-for-service (FFS) Medicare. Below, we’ll discuss Joliet, Illinois, Medicare plans more closely.
Medicare plans in Joliet, Illinois
If you have traditional Medicare in Illinois, you’re paying coinsurance and deductibles out-of-pocket. Enrolling in a supplemental plan like Medigap or Medicare Advantage helps you cover what traditional programs don’t. The quotes below demonstrate typical enrollees in Joliet, Illinois, 70-year-old retired females.
Medicare Advantage plans
Joliet, Illinois, has 110,725 enrollees out of 57,316,561 worldwide. Therefore, it’s ideal that Will and Kendall counties, where Joliet rests, have 54 and 37 Medicare Advantage plans, respectively.
Clear Spring has the cheapest Maximum-out-of-pocket (MOOP) rate for Medicare in Joliet, Illinois, at $2,900. This HMO plan type has a zero-dollar premium. Unfortunately, there’s no star rating at this time.
Blue Cross Blue Shield of Illinois has a higher $3,450 MOOP and a three-star rating. It’s an HMO-POS plan type. Therefore, this zero-dollar premium company covers out-of-network hospitals.
UnitedHealthcare has one of the highest MOOPS of $5,900. However, it covers out-of-network costs as a PPO plan type. It also has a rating of four stars and a zero-dollar premium.
The average cost of Medicare Advantage plans in Joliet, Illinois
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Clear Spring | $0 | $2,900 | HMO | N/A |
| Aetna | $0 | $5,500 | LOCAL PPO | 4 |
| Cigna | $0 | $6,700 | HMO | 4 |
| UnitedHealthcare | $0 | $5,900 | LOCAL PPO | 4 |
| Blue Cross Blue Shield of Illinois | $0 | $3,450 | HMO-POS | 3 |
Medicare Supplement plan
Medicare Advantage in Illinois and Medigap is supplemental plans that cover costs traditional Medicare won’t. While Medigap plans are uniform across the nation, despite carrier, monthly premium costs vary depending on where you reside.
Medigap Plan F has the highest-ranking premiums, from $135.11 to $395.74. It covers Part A and B alongside less-common plans like Part B Deductible, and this plan has no out-of-pocket limit.
Plan N covers most of the same parts except Part B deductible and Part B Excess Charges. Part B Coinsurance requires $20 copays for each doctor’s appointment and $50 copays for ER visits. There’s no out-of-pocket limit, and premiums range from $89.10 to $349.56.
Plan L covers all parts minus Part B Excess Charges and Part B Deductible. However, Part B coinsurance, Hospice Coinsurance, Part A Deductible, Skilled Nursing Facility, and three pints of blood are only covered by 75%. Premiums range from $74.17 to $238.82, with a $3,110 out-of-pocket limit.
The average cost of Medicare Supplement plans in Joliet, Illinois
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $92.30 | $402.08 |
| PLAN B | $128.62 | $320.07 |
| PLAN C | $152.19 | $387.62 |
| PLAN D | $125.49 | $311.73 |
| PLAN F | $135.11 | $395.74 |
| PLAN HDF | $41.16 | $78.91 |
| PLAN G | $110.15 | $367.38 |
| PLAN HDG | $42.00 | $79.31 |
| PLAN K | $58.92 | $143.50 |
| PLAN L | $74.17 | $238.82 |
| PLAN M | $102.81 | $280.52 |
| PLAN N | $89.10 | $349.56 |
Medicare Part D prescription drug plans
Traditional Medicare in Joliet, Illinois, typically covers Part A and B solely, and Medigap doesn’t offer Part D. That leaves beneficiaries searching for an individual Part D plan in Illinois that covers prescription drug costs.
Aetna’s Part D plan offers enrollees a cheap $6.90 monthly premium. It has a $480 deductible, like most other providers. This carrier has three stars.
Wellcare has a slightly larger premium of $11.70. It also has a $480 deductible. Like Aetna, it has three stars.
For a higher four-star rating, Humana is popular. It has a $480 deductible like other Part D plans. However, it consists of a higher $22.70 premium.
The average cost of Medicare Part D plans in Joliet, Illinois
| 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 |
Special Needs plans
Special Needs Plans (SNPs) fall under certain Medicare Advantage plans assisting consumers with chronic illnesses and special needs. Unfortunately, not all carriers offer SNPs, and those that do may not reach all regions.
Humana has a zero-dollar premium and a low MOOP of $2,600. Eligible seniors have chronic or disabling illnesses. However, as an HMO, this carrier covers a smaller region.
Zing Health is also an HMO plan type. It assists seniors with chronic illnesses and disabilities and has a low $3,450 MOOP and zero-dollar premium.
UnitedHealthcare has one of the highest premiums at $26.70 and a $7,550 MOOP. It helps consumers with chronic illnesses and disabilities, and as a Local PPO, it offers state to nationwide coverage.
The average cost of Medicare Special Needs plans in Joliet, Illinois
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Zing Health | $0 | $3,450 | HMO | Chronic or Disabling |
| Humana | $0 | $2,600 | HMO | Chronic or Disabling |
| UnitedHealthcare | $26.70 | $7,550 | LOCAL PPO | Chronic or Disabling |
| Longevity Health | $29.10 | $6,700 | HMO | Institutional |
| Provider Partners | $29.10 | $7,550 | HMO | Institutional |
How to sign up for Medicare plans in Joliet, Illinois
At Medigap, we understand every beneficiary is different. What some seniors may need, others may not. So let us help you get the Supplemental Medicare plan in Joliet, Illinois that fits you.
That’s why our trusted and experienced insurance agents make it their mission to find the right provider and supplemental plans for you.
To take advantage of our free services, call us today. Or submit an entry to our online rate form to get the best rates in Joliet, Illinois, today!
