Medicare Plans in Illinois

How Do I Enroll in Medicare in Illinois?

To enroll in Original Medicare, do one of the following:

  • Submit an online application.
  • Apply in person at a Social Security office.
  • Call 800-772-1213 to speak with a Social Security employee.

HelpAdvisor Editorial Team analysis of data from the 2024 MA Landscape Source Files and carrier-provided plan data supplied by SunFire, Inc., a private company that creates software solutions for agents and brokers to compare Medicare plans. For more information, visit www.sunfireinc.com.

What Illinois Medicare Plans Are Available? 

Residents living in the state of Illinois can qualify for Medicare Part A, Medicare Part B, a Medicare Advantage Plan, Medicare Part D and privately offered Medicare Supplement plans. Since the cost of Medicare is mitigated by Social Security, the cost for coverage might vary depending on your personal situation. Understanding your financial responsibility is important so that you are able to make appropriate financial plans for your medical care. The Medicare plans available in Illinois are the following. 

  • Medicare Part A: Offered under the original Medicare, Part A covers the cost of emergency treatment, such as visits to the emergency room or hospital visits. It covers inpatient services and the cost of nursing care or home health care as well. Hospice care is also covered under Part A. 

  • Medicare Part B:Also provided under traditional Medicare coverage is Part B. This covers the cost of your preventative care, physical examinations, diagnostic testing and medical transportation services. Your medical supplies and any prescribed medical equipment are also covered under Medicare Part B. 

  • Medicare Advantage: In 2006, Congress passed a law allowing Medicare recipients to choose a private insurer as an alternative to traditional Medicare. A Medicare Advantage plan is required to cover everything offered by Medicare Parts A and B but may provide additional coverage. Addons can include dental and vision coverage. 

  • Medicare Part D:This is your prescription drug coverage under Medicare. Some Medicare Advantage plans do cover the cost of your medications, so it is important to check your plan before enrolling in Medicare Part D. If your Medicare Advantage plan does not cover your medicines, you can still enroll in Medicare Part D. 

  • Medicare Supplement Plans: Commonly referred to as Medigap plans, these are privately offered insurance policies that cover your co-payments for services and medications covered by your Medicare plans. Medicare B only covers 80% of your expenses after meeting your deductible, for example. A supplemental plan would help you cover the difference. 

Medicare Advantage plans are not nearly as popular as traditional Medicare in Illinois. During 2024, 2.3 million Illinoisans were enrolled in traditional Medicare plans, and 38% of those beneficiaries selected a Medicare Advantage plan. Your personal needs and any underlying health concerns determine which plan is right for you. If you have a health condition that requires ongoing care, you may want to enroll in a Medicare Supplement plan to lessen your long-term financial burden. 

Who Is Eligible for Illinois Medicare? 

Most people who are enrolled in traditional Medicare are enrolled automatically upon their 65th birthday. If you did not contribute to Social Security for long enough during your career or have not started receiving Social Security benefits yet, you might not be enrolled automatically, however. It is important to check the status of your enrollment, because if you do not enroll quickly enough, you could face penalties.  

As long as you meet all of the requirements, you will receive Medicare Part A as a part of your Social Security benefit. Medicare Part B might cost you up to $174.90 per month as of 2024, but this is usually deducted from your pension or Social Security checks. You will not be required to mail in a monthly premium if that is the case.

While Medicare Advantage plans are administrated by private insurance companies, part or all of your premium is paid by the government. This means that you might be able to select a Medicare Advantage plan that doesn’t cost you anything. For plans that include extra coverage, you should anticipate paying a monthly premium beyond the allowance you receive. Medicare Part D requires a monthly premium and the amount is determined by the level of coverage you are seeking. 

To avoid penalties, enroll in Medicare during your Initial Enrollment Period. This runs from 3 months before you turn 65 to 3 months after. The penalties you will receive for not enrolling during this period could impact the monthly cost of your Part B plan, requiring you to pay more for coverage for the rest of your life. 

The General Enrollment Period begins on the first day of the year and lasts until March 31. It is when you can enroll if you missed the deadline for your Initial Enrollment Period. If you missed this deadline due to being covered by a work insurance policy, having a disability or caring for someone with a disability or volunteering or serving overseas, you can avoid the penalty by waiting for a Special Enrollment Period. 

It is important to decide quickly whether you wish to enroll in a Medigap policy. If you do so within 6 months of turning 65, your insurer may not turn you down for coverage, raise your premium or inflate your deductible. Factors such as your age or medical history may not be used as justification for these practices, in accordance with the law. 

How Do I Enroll for Medicare in Illinois? 

If you are unsure of whether you are enrolled in Medicare or wish to alter your coverage, you can do so easily by visiting medicare.gov. Simply follow the instructions on the webpage and you can enroll electronically. You will not be able to enroll in a Medigap plan through the Medicare site and will need to do so with a private insurer that offers these plans. 

HelpAdvisor Editorial Team analysis of data from the 2024 MA Landscape Source Files and carrier-provided plan data supplied by SunFire, Inc., a private company that creates software solutions for agents and brokers to compare Medicare plans. For more information, visit www.sunfireinc.com.

Average Cost of Medicare Advantage Plans in Illinois

Average Cost of Medicare Advantage Plans in Illinois
Average Monthly Premium $73.43
Average in-network out-of-pocket spending limit $4,825.44
Average drug deductible in 2024 (weighted) $468.73
Percentage of plans rated 4 stars or higher 61.0%
Average Cost of Medicare Advantage Plans in Illinois
Average Monthly Premium
$73.43
Average in-network out-of-pocket spending limit
$4,825.44
Average drug deductible in 2021 (weighted)
$468.73
Percentage of plans rated 4 stars or higher
61.0%

Illinois Medicare Advantage Plans by County

The chart below provides more information about Medicare Advantage plan costs and enrollment in Illinois by county in 2024.

Scroll to the right to continue reading the chart
County Average Premium Average Annual Drug Deductible % of Plans Rates 4 Stars or Higher # of Plans Available
Cumberland $74 $503 64.3% 28
Scott $76 $493 62.5% 32
Saline $89 $496 56.5% 23
Edwards $67 $508 66.7% 30
La Salle $76 $454 73.0% 37
Adams $65 $493 57.1% 28
Union $53 $468 63.0% 27
Clay $74 $503 64.3% 28
Livingston $86 $426 68.6% 35
Tazewell $77 $500 66.7% 39
Menard $76 $493 55.6% 36
Calhoun $51 $454 63.6% 33
Stark $87 $449 67.6% 34
Monroe $59 $416 59.0% 39
Jefferson $74 $503 64.3% 28
Saint Clair $48 $429 61.0% 41
Massac $42 $398 100.0% 8
Fulton $81 $485 67.7% 31
Ford $73 $427 63.3% 30
Piatt $74 $456 62.1% 29
Dewitt $74 $444 65.6% 32
Brown $76 $458 64.7% 34
Hardin $61 $503 50.0% 20
Vermilion $72 $545 60.6% 33
Perry $77 $459 58.8% 34
Greene $47 $444 64.7% 34
Madison $46 $440 56.8% 44
Marion $77 $503 65.5% 29
Johnson $77 $459 61.5% 26
Franklin $74 $459 65.5% 29
Washington $47 $444 59.5% 37
Jersey $58 $496 62.2% 37
Douglas $67 $466 64.5% 31
Macon $76 $545 64.5% 31
Clinton $47 $464 61.5% 39
Gallatin $61 $503 50.0% 20
Shelby $74 $466 52.9% 34
Pike $71 $498 65.7% 35
Iroquois $66 $439 65.6% 32
Logan $67 $474 55.6% 36
Pope $61 $503 50.0% 20
Effingham $89 $496 56.5% 23
Cass $76 $458 64.7% 34
Coles $74 $503 64.3% 28
Wabash $56 $471 100.0% 20
Moultrie $71 $493 56.8% 37
Clark $69 $545 68.8% 32
Alexander $60 $446 71.4% 21
Woodford $87 $449 67.6% 34
Mclean $80 $465 69.4% 36
Wayne $67 $508 66.7% 30
Jackson $77 $459 58.8% 34
Randolph $51 $459 67.9% 28
Morgan $76 $545 57.1% 35
Lawrence $67 $503 76.9% 26
Richland $69 $545 68.8% 32
Montgomery $68 $474 56.8% 37
Putnam $87 $431 66.7% 33
Edgar $71 $545 67.7% 31
Pulaski $74 $496 44.4% 18
Fayette $77 $456 63.3% 30
Peoria $77 $500 66.7% 39
Jasper $76 $545 66.7% 30
Christian $76 $545 57.1% 35
Bond $47 $464 60.5% 38
Hamilton $59 $503 56.5% 23
Mason $67 $512 57.1% 35
White $53 $508 60.0% 25
Marshall $87 $449 67.6% 34
Crawford $67 $508 66.7% 30
Sangamon $69 $545 59.5% 37
Knox $80 $496 64.9% 37
Macoupin $77 $493 58.3% 36
Mcdonough $81 $449 65.6% 32
Schuyler $74 $465 65.7% 35
Cook $66 $453 42.9% 70
Dupage $69 $443 47.6% 63
Grundy $82 $455 62.8% 43
Mchenry $73 $468 44.8% 58
Kankakee $77 $470 50.8% 61
Will $69 $448 41.2% 68
Kane $66 $463 44.8% 67
Lake $71 $462 52.9% 51
Lee $83 $438 65.8% 38
Warren $97 $430 68.6% 35
Rock Island $82 $485 70.3% 37
Whiteside $87 $452 65.6% 32
Williamson $128 $545 41.2% 17
Mercer $92 $478 67.6% 34
Winnebago $83 $457 54.0% 50
Boone $83 $457 54.0% 50
Henry $98 $452 69.4% 36
Champaign $82 $471 58.8% 17
Bureau $84 $416 66.7% 36
Ogle $77 $465 55.3% 47
Henderson $97 $430 68.6% 35
Dekalb $84 $471 58.7% 46
Stephenson $88 $452 65.8% 38
Jo Daviess $67 $406 95.8% 24
Hancock $92 $420 65.7% 35
Carroll $77 $440 63.9% 36
Kendall $81 $418 52.3% 44

Contact Information for Illinois Medicare, Medicaid and Insurance Help

More information about Medicare services in the State of Illinois can be found below. 

Illinois Medicaid Eligibility and Enrollment 

Senior Health Insurance Program 

Medicare Cost Sharing Expenses 

Illinois Cares RX