In Springfield, Illinois, 173,882 people have a Medicare plan. Just over 25% of those people use a Medicare Advantage plan, which is well under the national average of 42.12%. We want to help as many people as possible save money, so let’s look at some supplemental plans offered within Springfield, Illinois.
Supplemental Medicare Plans in Springfield, Illinois
Beneficiaries receive many things from an Illinois supplemental Medicare or Medigap plan, which covers extra costs incurred from treatment that Part A and B may not cover. We will look at the quotes below for a 70-year-old male in Springfield, Illinois.
Affordable Medicare Advantage Plans in Springfield, Illinois
In Springfield, 44,114 people have enrolled in an Illinois Medicare Advantage plan. These beneficiaries have 30 different plans to choose from in Sangamon County.
Blue Cross Blue Shield of Illinois is an HMO plan and has a premium of $0. This plan has the lowest maximum out-of-pocket cost (MOOP) of $4,900, with a 3-star rating.
Cigna also has a 3-star rating from Medicare and a $0 premium. Its MOOP is a bit higher at $5,300. This plan is a Local PPO.
Humana is a Regional PPO and is one of the top 5 most popular plans. It has a higher MOOP of $5,500 compared to other plans. This plan has a 4-star rating.
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|Blue Cross Blue Shield of Illinois||$0||$4,900||HMO||3|
Average Medicare Supplement Plans in Springfield, Illinois
Medigap plans are the same nationwide; the benefits remain consistent everywhere, while premiums vary by area. These plans cover the excess expenses incurred that Original Medicare in Illinois won’t cover.
If you were eligible for Plan F before 2020, you still are today. Plan F provides the most benefits, covering your excess expenses and up to 80% of foreign travel expenses. Premiums for this plan are between $136.73 and $417.25.
Plan G is the best alternative if you don’t qualify for Plan F. It has lower premiums, from $111.47 to $394.06, and covers all of the same things as Plan F, except for your excess Part B costs. This plan does come with higher copays if you’re okay with the cost.
High Deductible Plan G (HDG) is an excellent alternative to regular Plan G. It has lower premiums, ranging from $44 to $87.29. Plan HDG has a higher deductible than Plan G but provides all the same benefits.
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Cheapest Medicare Part D prescription drug plans
When your prescriptions cost too much, you can look for an Illinois Part D plan to help with those expenses. These plans have different lists and tiers of what is available, so consider each program carefully. Medigap plans don’t cover prescriptions, and only some Medicare plans do.
One of the cheaper plans in the area is Wellcare, with a premium of $11.70. The yearly deductible is $480 for Wellcare. Medicare has rated this plan three stars.
Another Part D plan in the area is Blue Cross Blue Shield of Illinois. It has a much higher premium of $20.20 and the same $480 deductible. This plan has a much higher 4-star rating.
Humana has the highest premium in the area, costing $22.70. It has the same $480 deductible as the others. Like BCBS, it has a 4-star rating from Medicare.
|Blue Cross Blue Shield of Illinois||$20.20||$480||4|
Medicare Special Needs Plans
Medicare Special Needs Plans are a small portion of Medicare Advantage Plans. These plans help cover costs for people who have particular disabilities or challenges. They aren’t available in all areas but help those who enroll.
UnitedHealthcare offers the only plan available in the area. This plan is a Local PPO and is only eligible for those with select disabilities or chronic conditions. It has a monthly premium of $26.70 and a maximum out-of-pocket cost of $7,550.
|UnitedHealthcare||$26.70||$7,550||LOCAL PPO||Chronic or Disabling|
Can you have both Medicare and Medicaid in Springfield, IL?
Yes, you can. Medicare provides for those over 65 years, while Medicaid provides for those with a lower income. Illinois also has a unique program known as the Illinois Medicare-Medicaid Alignment Initiative (MMAI) that assists those who qualify for both.
Does Medicare Part D cover prescriptions in Springfield, IL?
Yes. Medicare doesn’t cover all of the costs, so a Part D plan will supplement the expenses of your prescriptions. If you want a plan to cover your prescription drugs, look at the Part D Medicare Plans available in Springfield, IL.
What income is used to determine Medicare premiums in Springfield, IL?
Income only affects premium rates, not eligibility. Beneficiaries who earn a much higher income face the Income-Related Monthly Adjustment Amount (IRMAA). Individuals who report $91,000 or higher are subject to the IRMAA charge, and couples who report $182,000 or more when filing jointly. This charge increases as the reported income rises.
What Medicare jurisdiction is Springfield, IL in?
Springfield, Illinois, falls under Medicare jurisdiction 6, which is also over Minnesota and Wisconsin.
Who is eligible for Medicare in Springfield, IL?
If you’re 65 or older, you’re eligible. Anyone 64 and under is eligible if they have been on Social Security disability payments for at least 24 months. If you’re receiving dialysis treatments or have had a kidney transplant because of End-Stage Renal Disease (ESRD), you’re eligible for Medicare.
How to Sign Up for Supplemental Medicare in Springfield, Illinois
At Medigap, our services are free, and we work with all carriers to find the best plan for your budget.
If you need help selecting a plan, our licensed insurance agents can compare them to find the best one. Our agents can also answer any Medicare-related questions you may have.
So when you’re ready, call us today. Or fill out our online rate form to connect with the best rates in Springfield, Illinois!