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 of the 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. The quotes that we will be looking at below are 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 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
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

Average Medicare Supplement Plans in Springfield, Illinois

Medigap plans are the same throughout the nation; 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 all of 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 are 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
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

Cheapest Medicare Part D in Springfield, Illinois

When your prescriptions cost too much money, 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 plan 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.

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 $480 4

Medicare Special Needs Plans in Springfield, Illinois

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 they 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

FAQs

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, as well as 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 the states of Minnesota and Wisconsin.

Who is eligible for Medicare in Springfield, IL?

If you are 65 or older, you are eligible. Anyone 64 and under is eligible if you have been on Social Security disability payments for at least 24 months. If you are receiving dialysis treatments or have had a kidney transplant because of End-Stage Renal Disease (ESRD), you are 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 for you. 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 get connected with the best rates in Springfield, Illinois!

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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.