There are 80,374 Medicare beneficiaries in Naperville, Illinois, enrolled in either an Original Medicare plan or a Medicare Advantage plan. Original Medicare enrollment is 48,702 (60.59%) versus 31,672 (39.41%) in the Medicare Advantage plan. We’ll explore the Supplemental Medicare Plans available.
Supplemental Medicare plans in Naperville, Illinois
Beneficiaries can enroll in either a Medigap plan to supplement Original Medicare in Illinois or a Medicare Advantage plan for Medicare Part A and Part B. Enrolling in a supplemental Medicare plan can help with additional costs not covered by Original Medicare.
In Naperville, enrollees in Illinois Medicare Advantage are 53.86% female and 46.14% male, with an average age of 71.
Average Medicare Advantage plans in Naperville
With 31,672 beneficiaries in Naperville deciding to enroll in a Medicare Advantage plan, it’s a good thing that there are plenty of programs available. The city is in Champaign County, with 23 Medicare Advantage plans available in Naperville.
Clear Spring is an affordable Medicare Advantage plan with a zero-dollar premium and maximum out-of-pocket (MOOP) of $3,000. This program is an HMO that has a three-star rating. WellCare offers a Local PPO plan that’s not rated but has a zero-dollar premium and MOOP of $3,450.
Bright Health’s zero-premium HMO plan has a MOOP of $3,400 and is not rated. The Local PPO plan offered by Humana requires a $5,550 MOOP and has a zero-dollar premium with a four-star rating.
| Plan | Premium | MOOP | Plan Type | Star Rating |
| WellCare | $0 | $3,450 | Local PPO | N/A |
| Bright Health | $0 | $3,400 | HMO | N/A |
| Clear Spring | $0 | $3,000 | HMO | 3 |
| Humana | $0 | $5,550 | Local PPO | 4 |
Cheapest Medicare Supplement plans in Naperville
Illinois Medicare Supplement plans help cover the expenses that an Original Medicare beneficiary would otherwise have to pay out of pocket. The government standardizes these plans, and their benefits don’t change regardless of the carrier or the state. The only difference is in the monthly premiums.
Medigap Plan G is a popular plan among Medicare beneficiaries in Naperville, IL, because they don’t have to pay a Part B deductible. This plan includes a premium that ranges from $123.54 to $414.30 per month.
Another plan often chosen by Medicare beneficiaries in Naperville is Medigap Plan N. It offers lower monthly premiums, ranging from $92.26 to $394.68. However, you’re responsible for some copays.
Lastly, there’s Medigap High-Deductible Plan G (Plan HDG). Enrollees receive the same benefits as Medigap Plan G but with a deductible. The monthly premium range for this plan is $37.00 to $76.35.
| Letter Plan | Lowest Premium | Highest Premium |
| PLAN A | $94.83 | $365.49 |
| PLAN B | $139.21 | $345.25 |
| PLAN C | $155.48 | $437.12 |
| PLAN D | $128.44 | $286.79 |
| PLAN F | $140.21 | $439.37 |
| PLAN HDF | $37.00 | $78.28 |
| PLAN G | $123.54 | $414.30 |
| PLAN HDG | $37.00 | $76.35 |
| PLAN K | $63.83 | $162.25 |
| PLAN L | $80.50 | $245.12 |
| PLAN M | $107.93 | $251.12 |
| PLAN N | $92.26 | $394.68 |
Cheapest Medicare Part D
Medigap/Medicare Supplement plans don’t cover expenses for prescription drugs in Illinois, nor do many Medicare Advantage plans. As a result, many people choose to enroll in a Medicare Part D plan. Medicare Part D is a stand-alone plan that covers prescription drugs.
Aetna offers a Part D plan with a premium of $6.90 and a deductible of $480. This Aetna program is a three-star rated plan. WellCare’s three-star rated Part D plan also has a $480 deductible, but the premium is $11.70.
Clear Spring has a two-star rating for its Part D plan, which has a monthly premium of $17.70 and a deductible of $480.
Four-star plans include Blue Cross Blue Shield of Illinois, with a $20.20 and $480 deductible, and Humana, with a premium of $22.70 and a low deductible of $310.
| 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 | $310 | 4 |
Medicare Special Needs Plans
Special Needs Plans (SNPs) are Medicare Advantage plans available to Medicare beneficiaries with special requirements or needs. These plans can be beneficial for those with chronic disabilities or special needs.
Zing Health offers a zero-dollar premium HMO plan with a MOOP of $3,450 for those with chronic or disabling conditions. Humana’s plan for those conditions is also a zero-dollar premium HMO plan with a $2,600 MOOP.
UnitedHealthcare offers a Chronic or Disabling Conditions Local PPO plan with a $26.70 premium and $7,550 MOOP. Provider Partners’ Institutional HMO plan has a $7,550 MOOP and a premium of $29.10.
| 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 |
| Provider Partners | $29.10 | $7,550 | HMO | Institutional |
FAQs
At what age can you get Medicare A and B in Naperville?
Most people become eligible to sign up for Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) when they turn 65. Signing up later than when you first become eligible can result in a gap in coverage or having to pay the penalty.
Who do I contact for Medicare in Naperville?
To enroll in Medicare simply contact the Social Security Administration. You can enroll online, over the phone, or in person at your local office.
Can I view my Medicare account online in Naperville?
You can view your Medicare account online at MyMedicare.gov. This free, secure online service is available 24 hours a day, seven days a week. If you’re newly eligible for Medicare, Medicare will automatically send you instructions and a password by postal mail. You can create an account at MyMedicare.gov to view your benefits.
What is the Naperville, IL Medicare income limit?
Medicare beneficiaries who struggle to afford Medicare coverage may be able to get help through one of four types of Medicare Savings Programs (MSPs). The income limits for these programs range between $1,088 and $2,126 monthly for singles or $1,462 and $2,873 per month for married persons. There are also asset limits.
What is the monthly premium for Plan G in Naperville?
The benefits available to people enrolled in Medicare Plan G in Naperville are the same, regardless of which carrier offers the plan. The only difference between Plan G and individual plans is the monthly premium. The premium in Naperville for Medicare Plan G ranges from a low of $123.54 to a high of $414.30.
How to sign up for Supplemental Medicare in Naperville
Living in Naperville, Illinois, and having Medicare greatly benefits its citizens. But what if you could pay a low monthly premium and have comprehensive coverage?
A Medicare Supplemental plan can do just that; our licensed insurance agents will assist you expertly. Our agents can answer any questions you have while providing information to help you make an informed decision.
We work with all carriers, and our services are free of charge. So call us today. Or simply fill out our online rate form to receive the best rates in your area.
