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.

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.

Medicare Advantage plans

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 program is a Local PPO that has no rating. Humana offers a four-star rated HMO plan with 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 Zing Health provides has a zero-dollar premium and requires a $3,450 MOOP.

The average cost of Medicare Advantage plans in Rockford, Illinois

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

Medicare Supplement plans

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 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.

The average cost of Medicare Supplement plans in Rockford, Illinois

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

Medicare Part D prescription drug coverage

Medigap/Medicare Supplement plans don’t 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 program 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 a $480 deductible, and Humana, with a premium of $22.70 and a low deductible of $310.

The average cost of Medicare Part D plans in Rockford, 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 $310 4

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 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.

The average cost of Medicare Special Needs plans in Rockford, Illinois

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

How to sign up for 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.

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.