Medicare Plans in
Mercer County, IL

34 Medicare Advantage Plans Found in Mercer County. See Plans

Mercer County, IL
Medicare Information

For Mercer County’s Medicare beneficiaries, private plans like Medicare Advantage plans offer an alternative to Original Medicare and Part D plans (PDP) can work alongside your Original Medicare benefits.

Currently, 34 private Medicare plans are available in Mercer County, and coverage is provided through Medicare-approved private companies, following rules set by Medicare.

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.

For Mercer County’s Medicare beneficiaries, private plans like Medicare Advantage plans offer an alternative to Original Medicare, and Part D plans (PDP) can work alongside your Original Medicare benefits.

Currently, 34 private Medicare plans are available in Mercer County, and coverage is provided through Medicare-approved private companies, following rules set by Medicare.

MA plans, which are also referred to as Medicare Part C, may offer additional benefits that aren't available through Original Medicare.

Part D plans, also referred to as PDPs, cover retail prescription drugs.

Some Medicare Part C plans include coverage for prescription medications. Known as Medicare Advantage Prescription Drug plans, or MAPDs, these plans offer comprehensive coverage for seniors who want to minimize their out-of-pocket costs.

Learn more about some of the Medicare plans in Mercer County, Illinois, including average costs, out-of-pocket expenses and what’s involved in obtaining prescription drug coverage.

The following is HelpAdvisor Editorial Team analysis of data from the 2024 MA Landscape Source Files as well as carrier-provided plan data supplied by SunFire Inc.

Average Cost of Medicare
Plans in Mercer County

Average Cost of Medicare Advantage Plans in Mercer County, Illinois
Average Monthly Premium $92.05
Average in-network out-of-pocket spending limit $4,730.00
Average drug deductible in 2024 (weighted) $477.50
Percentage of plans rated 4 stars or higher 67.6%
Average Cost of Medicare Advantage Plans in Mercer County, Illinois
Average Monthly Premium
$92.05
Average in-network out-of-pocket spending limit
$4,730.00
Average drug deductible in 2021 (weighted)
$477.50
Percentage of plans rated 4 stars or higher
67.6%

Learn More About Medicare
Prescription Drug Plans

Mercer County Medicare beneficiaries who are interested in a private Medicare policy may choose among the following types of plans, depending on their needs and circumstances:
Plan Type Description
HMO HMO enrollees typically receive services through in-network providers and must obtain referrals for visits to specialists. However, most plans permit out-of-network care in emergencies or out-of-area dialysis. HMO plans often include prescription drug coverage.
PPO Members of PPO plans can typically go in or out of network for care, including hospitalization, although visits to non-network providers may cost considerably more. Referrals are usually not needed for visits to specialists, and many PPO plans include prescription drug coverage.
PFFS Private fee-for-service plans determine how much a doctor or facility will be paid for services, and members may seek care from any in or out-of-network provider that agrees to the plan's terms. Some PFFS plans include prescription drug coverage. Otherwise, members may seek coverage for medications through standalone Medicare drug plans, which are also known as Part D plans.
SNP Special Needs Plans are designed for individuals with specific conditions or medical characteristics. Benefits such as providers and drug formularies are tailored to members' unique needs, and most care is provided by in-network physicians and facilities. SNPs are required to provide prescription drug coverage.
Plan Type and Description
HMO enrollees typically receive services through in-network providers and must obtain referrals for visits to specialists. However, most plans permit out-of-network care in emergencies or out-of-area dialysis. HMO plans often include prescription drug coverage.
Members of PPO plans can typically go in or out of network for care, including hospitalization, although visits to non-network providers may cost considerably more. Referrals are usually not needed for visits to specialists, and many PPO plans include prescription drug coverage.
Private fee-for-service plans determine how much a doctor or facility will be paid for services, and members may seek care from any in or out-of-network provider that agrees to the plan's terms. Some PFFS plans include prescription drug coverage. Otherwise, members may seek coverage for medications through standalone Medicare drug plans, which are also known as Part D plans.
Special Needs Plans are designed for individuals with specific conditions or medical characteristics. Benefits such as providers and drug formularies are tailored to members' unique needs, and most care is provided by in-network physicians and facilities. SNPs are required to provide prescription drug coverage.

Some beneficiaries may be eligible for standalone prescription drug plans. Otherwise known as a PDP or Part D plan, a standalone prescription drug plan adds coverage for prescription medications to Original Medicare and some PFFS plans. It’s important to note that some MA plans, such as HMOs, may disenroll members who sign up for a separate drug plan.

Medicare Advantage Plans

Aetna Inc.

Aetna Inc. Medicare Plans in Mercer County, IL

The following table includes cost information and other plan details for Aetna Inc. private Medicare plans available in Illinois in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Aetna Medicare Eagle (PPO) H5521: 286 $0 N/A $4,390 No
4 out of 5
Aetna Medicare Premier (HMO-POS) H3192: 013 $0 $0 $3,500 Yes
3.5 out of 5
Aetna Medicare SmartFit (PPO) H7301: 021 $0 $250 $3,875 Yes
4 out of 5
Aetna Medicare Value Advantra (PPO) H7301: 006 $0 $0 $4,000 Yes
4 out of 5
Aetna Medicare Premier Advantra (PPO) H7301: 002 $9 $0 $3,875 Yes
4 out of 5
Aetna Medicare Enhanced Select (PPO) H7301: 015 $169 $300 $1,400 Yes
4 out of 5

Health Care Service Corporation

Health Care Service Corporation Medicare Plans in Mercer County, IL

The following table includes cost information and other plan details for Health Care Service Corporation private Medicare plans available in Illinois in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Blue Cross Medicare Advantage Health Choice (PPO) H8634: 018 $0 $545 $6,900 Yes
3 out of 5
Blue Cross Medicare Advantage Value (HMO) H3822: 014 $0 $0 $2,900 Yes
2.5 out of 5
Blue Cross Medicare Advantage Essential (PPO) H8634: 012 $0 $0 $5,900 Yes
3 out of 5
Blue Cross Medicare Advantage Protect (PPO) H8634: 019 $0 N/A $6,350 No
3 out of 5
Blue Cross Medicare Advantage Dental Premier (PPO) H8634: 021 $0 $545 $7,550 Yes
3 out of 5
Blue Cross Medicare Advantage Flex (PPO) H8634: 014 $202 $545 N/A Yes
3 out of 5
Humana Inc.

Humana Inc. Medicare Plans in Mercer County, IL

The following table includes cost information and other plan details for Humana Inc. private Medicare plans available in Illinois in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
HumanaChoice H5216-215 (PPO) H5216: 215 $0 $0 $5,000 Yes
4.5 out of 5
Humana USAA Honor (PPO) H5216: 258 $0 N/A $5,500 No
4.5 out of 5
Humana USAA Honor (Regional PPO) R5361: 001 $0 N/A $5,500 No
4 out of 5
Humana USAA Honor (PPO) H5216: 355 $0 N/A $5,500 No
4.5 out of 5
HumanaChoice H5216-399 (PPO) H5216: 399 $30 $0 $3,900 Yes
4.5 out of 5
HumanaChoice R5361-002 (Regional PPO) R5361: 002 $97 $545 $6,700 Yes
4 out of 5
HumanaChoice H5216-013 (PPO) H5216: 013 $100 $0 $5,700 Yes
4.5 out of 5

The Carle Foundation

The Carle Foundation Medicare Plans in Mercer County, IL

The following table includes cost information and other plan details for The Carle Foundation private Medicare plans available in Illinois in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Health Alliance Medicare POS Choice Rx (HMO-POS) H1463: 044 $0 $0 $3,500 Yes
4 out of 5
Health Alliance Medicare HMO Basic (HMO) H1463: 008 $0 N/A $6,700 No
4 out of 5
Health Alliance Medicare POS Basic Rx (HMO-POS) H1463: 015 $53 $0 $5,400 Yes
4 out of 5
Health Alliance Medicare HMO 20 Rx (HMO) H1463: 003 $125 $0 $4,000 Yes
4 out of 5
Health Alliance Medicare POS 10 Rx (HMO-POS) H1463: 019 $165 $0 $2,900 Yes
4 out of 5
UnitedHealthcare

UnitedHealthcare Medicare Plans in Mercer County, IL

The following table includes cost information and other plan details for UnitedHealthcare private Medicare plans available in Illinois in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
AARP Medicare Advantage from UHC IA-0003 (PPO) H8768: 017 $0 $0 $3,800 Yes
4 out of 5
AARP Medicare Advantage from UHC IA-0001 (HMO-POS) H5253: 107 $0 $0 $3,800 Yes
4.5 out of 5
AARP Medicare Advantage from UHC IA-0004 (PPO) H8768: 032 $0 $0 $3,800 Yes
4 out of 5
AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) H8768: 018 $0 N/A $7,500 No
4 out of 5
UHC Complete Care IL-001A (PPO C-SNP) H0271: 027 $24 $545 $8,850 Yes
4 out of 5
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) H5253: 108 $39 $0 $3,400 Yes
4.5 out of 5
Wellcare Health Plans, Inc.

Wellcare Health Plans, Inc. Medicare Plans in Mercer County, IL

The following table includes cost information and other plan details for Wellcare Health Plans, Inc. private Medicare plans available in Illinois in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Wellcare No Premium Open (PPO) H6713: 001 $0 $0 $3,200 Yes
2.5 out of 5
Wellcare No Premium Essential (HMO) H5779: 002 $0 $0 $2,900 Yes
3 out of 5
Wellcare Giveback Open (PPO) H6713: 002 $0 $545 $5,000 Yes
2.5 out of 5
Wellcare No Premium Essential Value (HMO) H5779: 009 $0 $0 $2,900 Yes
3 out of 5