About 140,445 Rockford, Illinois, Medicare beneficiaries have either an Original Medicare plan or a Medicare Advantage plan. 94,818 (67.51%) have Original Medicare, versus 45,627 (32.49%) in a Medicare Advantage plan. Let’s look at the Supplemental Medicare Plans available in Rockford, Illinois.

Supplemental Medicare Plans in Rockford, Illinois

In Rockford, Illinois, Supplemental Medicare plans help with costs not covered by Original Medicare. Beneficiaries can enroll in a Medigap plan to supplement their Original Medicare. Alternatively, they can enroll in a Medicare Advantage plan for Medicare Part A and Part B. Medicare Advantage enrollees in Rockford, IL, are 54.57% female and 45.43% male. Their average age is 72 years old.

Cheapest Medicare Advantage Plans in Rockford, Illinois

Illinois Medicare beneficiaries in Rockford have plenty of Medicare Advantage plans. Located in Winnebago County, Rockford has 41 Illinois Medicare Advantage plans available. About 59% of Medicare Advantage enrollees choose an HMO plan in Illinois.

WellCare is an affordable Medicare Advantage plan with a zero-dollar premium and maximum out-of-pocket (MOOP) of $3,450. This is a Local PPO that has no rating. Humana offers an HMO plan that is four-star rated and has a zero-dollar premium with a MOOP of $3,900.

Blue Cross Blue Shield of Illinois offers a zero-premium HMO plan with a MOOP of $3,400 and a three-star rating. The unrated HMO plan provided by Zing Health has a zero-dollar premium and requires a $3,450 MOOP.

Plan Premium MOOP Plan Type Star Rating
WellCare $0 $3,450 Local PPO N/A
Humana $0 $3,900 HMO 4
Blue Cross Blue Shield of Illinois $0 $3,400 HMO 3
Zing Health $0 $3,450 HMO N/A

Affordable Medicare Supplement Plans in Rockford, Illinois

Medigap/Medicare Supplement plans help cover the expenses that an Original Medicare beneficiary would otherwise pay out of pocket. The government standardizes these plans. 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 Rockford, IL. Plan G covers everything except the Medicare Part B deductible. The premium for this plan ranges from $95.64 to $348.98 per month.

Another plan that Medicare beneficiaries in Rockford often choose is Medigap Plan F. Medigap Plan F covers the patient’s share of everything except prescription drugs. The monthly premium for Plan F ranges from $107.29 to $370.00.

Another option is 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 $29.00 to $66.19.

Letter Plan Lowest Premium Highest Premium
PLAN A $79.58 $299.21
PLAN B $109.21 $290.87
PLAN C $116.62 $368.50
PLAN D $100.75 $249.38
PLAN F $107.29 $370.00
PLAN HDF $29.00 $67.28
PLAN G $95.64 $348.98
PLAN HDG $29.00 $66.19
PLAN K $48.75 $136.37
PLAN L $61.33 $206.50
PLAN M $68.22 $205.65
PLAN N $71.13 $332.64

Average Medicare Part D in Rockford, Illinois

Medigap/Medicare Supplement plans do not cover expenses for Illinois prescription drugs. Many Medicare Advantage plans don’t either. As a result, many people enroll in a Medicare Part D plan, 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 Blue Cross Blue Shield of Illinois, with a premium of $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 in Rockford, 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 is a zero-dollar HMO plan for those with Chronic or Disabling conditions with a $3,450 MOOP. UnitedHealthcare’s Local PPO plan for Chronic or Disabling conditions has a monthly premium of $26.70 and a $7,550 MOOP.

Provider Partners offers an HMO plan for those with Institutional eligibility with a monthly premium of $29.10 and a MOOP of $7,550. Another plan for those with Institutional eligibility is the Local PPO plan offered by UnitedHealthcare, which has a $29.10 monthly premium and $1,800 MOOP.

Plan Premium MOOP Plan Type Eligibility
Zing Health $0 $3,450 HMO Chronic or Disabling
UnitedHealthcare $26.70 $7,550 Local PPO Chronic or Disabling
Provider Partners $29.10 $7,550 HMO Institutional
UnitedHealthcare $29.10 $1,800 Local PPO Institutional

FAQ

What are Type A and Type B Medicare in Rockford, IL?

Medicare Part A is hospital insurance. Medicare Part B covers doctor visits, outpatient care, related expenses, and preventive services like annual wellness checkups and screening tests.

What is Medicare Part F in Rockford, IL?

Sometimes called the “Cadillac plan,” Medicare Supplement/Medigap Part F plans are available to only Medicare beneficiaries who became eligible before 2020. The Medicare Supplement Part F plan covers the patient’s share of everything except prescription drugs.

For example, it covers hospital coinsurance, Part B coinsurance, and Part A and B deductibles, among many other expenses. The monthly premium in Rockford for Medicare Supplement Part F ranges from $107.29 to $370.00.

What is the Medicare income limit in Rockford, IL?

Medicare beneficiaries who cannot afford Medicare coverage may be able to get help through the Medicare Savings Program (MSP). There are four different programs, with income limits ranging 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.

How do I apply for Medicare Part D in Rockford, IL?

There are three ways to sign up for Medicare Part D in Rockford, Illinois. The first is through the company offering the plan you choose. Another is through Medicare, either online or by phone.

Which Medicare plan is no longer available in Rockford, IL?

Medigap/Medicare Supplement plans C, F, and HDF are no longer available for purchase by Medicare beneficiaries who became Medicare-eligible after January 1, 2020.

If you first became eligible for Medicare before 2020, you can keep Plan C, F, or HDF if you already have it or apply for any of those plans later.

How to Sign Up for Supplemental Medicare in Rockford, Illinois

If you’re a resident of Rockford, Illinois, and have decided you want full health coverage, there’s no better time to research getting a Medicare Supplement plan.

Our licensed and qualified insurance agents can assist you in enrolling in a Medigap, Medicare Supplement, Medicare Advantage, or Medicare Part D plan in Rockford, Illinois. We work with all carriers, and our services are entirely free.

For more information, call us today or fill out our online form to get the best rates in your area.

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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.