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.

Supplemental 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.

Average Medicare Advantage plans in Joliet, Illinois

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.

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

Cheapest Medicare Supplement plan in Joliet, Illinois

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.

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

Affordable Medicare Part D

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.

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

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.

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

FAQs

What is the Joliet, Illinois, Medicare income limit?

Medicare doesn’t have an income limit. However, if you’re a higher-income Medicare beneficiary you could be subject to an IRMAA.

Where do I sign up for Medicare in the Joliet, Illinois, area?

Sign up for Medicare using an online form on your desired carrier’s page. Contact us for assistance in deciding on the proper Medicare plan, and a qualified agent will walk you through the process.

What are the four types of Medicare in Joliet, Illinois?

Parts A, B, C, and D comprise the four parts of Medicare in Joliet, Illinois. Parts A and B cover inpatient and outpatient costs, respectively. Medicare Advantage (Part C) includes additional Medicare benefits not covered by Medicare. Part D covers prescription drug costs.

Who is eligible for Medicare in Joliet, Illinois?

Medicare is available to anyone 65 or older. However, seniors with disabling or chronic illnesses like ERSD or ALS can reap benefits before the age of 65.

At what age can you get Medicare Parts A and B in Joliet, Illinois?

Upon turning 65, seniors living in Joliet may apply for traditional Medicare. Applying on time prevents coverage gaps and penalty fees.

How to sign up for Supplemental Medicare 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!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.