2021 Illinois Medicare Plans

In Illinois, about 2.2 million residents are enrolled in Medicare, approximately 18% of the state’s population. About 30% of Medicare beneficiaries in Illinois are enrolled in a private plan, either Medicare Advantage or Medicare Cost, a type of Medicare available in limited parts of the U.S. that offers enrollees coverage outside of a network of doctors and healthcare providers. 

Illinois has required Medigap plan providers to sell insurance to disabled state residents under the age of 65 since the 1980s; 13% of Medicare beneficiaries in Illinois are under 65. There are 147 Medicare Advantage plans, 31 stand-alone Medicare Part D plans, and 12 Medigap plans offered in Illinois in 2021. (Source)

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Illinois Medicare Insurance Trends

  • 2,269,090 Illinois residents were enrolled in Medicare in Illinois 2020
  • In 2021, there are 147 Medicare Advantage plans available in Illinois, which is up from 126 plans in 2020
  • Medicare Advantage monthly premium averaged decreased in Illinois between 2020 and 2021, from $16.96 to $14.76
  • There are 12 different Medigap plans and 31 stand-alone Medicare Part D to choose from in Arizona

Medicare Offered in Illinois

In addition to Original Medicare, Medicare Advantage and Medigap plans, Illinois also offers Medicare Cost plans, which are Medicare plans that offer policyholders the option of receiving coverage from doctors and medical professionals outside of an approved network.

Original Medicare

Original Medicare offers basic health insurance coverage. It is made up of Part A, which covers some inpatient care costs for hospital stays, costs associated with stays in a skilled nursing facility or hospice, and some home health services. Part B covers a portion of the costs for medically necessary services to diagnose or treat a medical condition, and preventive services. Original Medicare does not cover prescription drugs, dental, vision, or hearing care. Original Medicare is administered by the federal government to U.S. residents over the age of 65, while supplemental Medicare plans to cover things not covered by Part A and Part B can be purchased from private insurance providers.

Medicare Advantage

Medicare Advantage combines Original Medicare with Medicare Part D, which provides prescription drug coverage. There are 147 Medicare Advantage plans available to residents in Illinois, and the average monthly premium for these plans is $14.76.

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Medicare Supplement Plans

There are 53 insurers in Illinois offering Medicare supplement plans, also known as Medigap plans. Illinois was one of the first states to make it mandatory for private insurance providers to offer Medigap plans to disabled state residents under the age of 65; approximately 13% of Medicare beneficiaries in Illinois fall into this category. In 2021, there are 12 different Medigap plans to choose from in Illinois. 

Illinois Medicare Enrollment

To qualify for Medicare, Illinois residents must be U.S. citizens aged 65 and over or have received Social Security disability benefits for a minimum of 24 months. Illinois residents under 65 are eligible for Medigap coverage if they have received Social Security Disability Insurance (SSDI) for at least 24 months. 

Requirements

Enrollment Period Dates

The enrollment period dates for Medicare in Illinois are the same as the enrollment dates nationwide. 

Initial Enrollment Period

This is when you can sign up for a plan

  • Begins 3 months before the month you turn 65
  • Ends 3 months after the month you turn 65

Medicare Open Enrollment Period

This is when you can sign up for a plan, switch a plan or leave a plan

  • Begins October 15th
  • Ends December 7th

Special Enrollment Period

Special enrollment periods allow you to enroll outside the regular enrollment periods under specific circumstances. 

General Enrollment Period

This is when you can sign up for Medicare Part A and/or Part B if you didn’t sign up when first eligible or if you’re not qualified for a Special Enrollment Period.

  • Starts January 1st
  • Ends March 31st

Medicare Advantage Open Enrollment Period

This is when you can switch or leave a Medicare Advantage Plan

  • Starts January 1st
  • Ends March 31st

 Illinois Enrollment Tips & Advice

  • Be aware of when you are eligible for enrollment in Medicare (see above)
  • If you think you will need coverage for out-of-network medical care, consider purchasing a Medicare Cost plan
  • Consider your specific medical needs when shopping for a Medigap plan, such as vision, hearing, or dental needs
  • If you collect SSDI checks, you may enroll in a Medigap plan before you turn 65
  • Understand your coverage: Original Medicare may not be sufficient for your health and medical needs

How Do I Enroll in a Medicare Plan?

If you have any questions about Illinois Medicare and your eligibility for supplement or advantage plans, speak to one of our licensed agents today. Our agents will discuss your Medicare options and help find a plan that works for you.

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