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 in 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 years old.

Average Medicare Advantage Plans in Naperville, Illinois

With 31,672 beneficiaries in Naperville deciding to enroll in a Medicare Advantage plan, it’s a good thing that there are plenty of plans available. The city is in Champaign County, which has 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 is an HMO that has a three-star rating. WellCare offers a Local PPO plan that is 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

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 are 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 in Naperville, Illinois

Medigap/Medicare Supplement plans do not 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 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 ones offered by Blue Cross Blue Shield of Illinois, with a $20.20 and $480 deductible, and by 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 in Naperville, Illinois

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, IL?

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, IL?

The Champaign County Health Care Consumers organization can help you sign up for Medicare in Naperville, Illinois. They can also provide lots of information about your Medicare choices.

Can I view my Medicare account online in Naperville, IL?

You can view your Medicare account online at MyMedicare.gov. This is a free, secure online service available 24 hours a day, seven days a week. If you are 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 per month 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, IL?

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 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, Illinois

Living in Naperville, Illinois, and having Medicare is a great benefit for its citizens. But what if you could pay a low monthly premium and have comprehensive coverage?

A Medicare Supplemental plan can do just that, and our licensed insurance agents will assist you expertly. Our agents can answer any questions you have while also 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.

Picture of the author
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.