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.

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.

Medicare Advantage plans

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.

The average cost of Medicare Advantage plans in Springfield, Illinois

PLAN PREMIUM MOOP Plan Type Star Rating
Cigna $0 $5,300 LOCAL PPO 3
Health Alliance $0 $6,700 HMO 4
Blue Cross Blue Shield of Illinois $0 $4,900 HMO 3
UnitedHealthcare $0 $5,900 LOCAL PPO 4
Humana $0 $5,500 REGIONAL PPO 4

Medicare Supplement plans

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. If you’re okay with the cost, this plan does come with higher copays.

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.

The average cost of Medicare Supplement plans in Springfield, Illinois

PLAN A $99.00 $406.14
PLAN B $133.20 $368.31
PLAN C $141.85 $415.75
PLAN D $121.74 $358.61
PLAN F $136.73 $417.25
PLAN HDF $39.60 $82.85
PLAN G $111.47 $394.06
PLAN HDG $44.00 $87.29
PLAN K $59.42 $154.37
PLAN L $74.83 $241.20
PLAN M $82.98 $283.34
PLAN N $90.17 $374.94

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.

Blue Cross Blue Shield of Illinois is another Part D plan in the area. 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.

The average cost of Medicare Part D plans in Springfield, Illinois

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 $480 4

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.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $26.70 $7,550 LOCAL PPO Chronic or Disabling

How to sign up for Medicare plans 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!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for 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 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.