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By David Bynon [3] · Last updated January 16, 2025

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Medicare Advantage
 » 
Illinois

2025 Guide to Medicare Advantage Plans in Illinois

by David Bynon, last updated January 16, 2025

We partner with HealthCompare for some plans. Compensation does not influence our content. Learn more.

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Finding the Top Medicare Advantage Plan in Illinois Starts Here

Are you considering enrolling in a Medicare Advantage plan in Illinois? You're in good company. This year, more than 31 million people enrolled in a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.

On this webpage, we aim to assist you in uncovering the highest-rated Medicare Advantage (MA) plans available in Illinois, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific County. This is important because not all plans are available in all areas.

Table of Contents

Who Has The Best Plans in Illinois? Complete List of Providers Best Plans By CMS Rating Best Plans By County How To Find The Best Plan Next Steps
If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

Locating the Best Medicare Advantage Plans in Illinois

Every year, the Centers for Medicare & Medicaid Services (CMS) reviews and rates all Medicare Advantage plans in Illinois based on a 5-star scale. Input for the ratings comes from information that each plan self-reports, as well as individual member complaints. (Read more about Medicare star ratings.)

There are no 5-star plans in Illinois in 2025. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Illinois come from:

    MedicareWire recommends evaluating plans from these Illinois health insurance companies first. Why? Because more stars mean a better plan. For instance, members may get better care, customer service, and phone support from a 5-star plan than from a 4-star one.

    IMPORTANT: Depending on where you live in Illinois, Medicare Advantage plans may have many valuable benefits (as compared to Original Medicare). But, before you choose, it's crucial that you understand the potential disadvantage of Medicare Advantage plans. Compare coverage and costs carefully.

    Complete List of Illinois's Plan Providers

    Illinois has 15 providers that offer Medicare Advantage plans. They include:

    • Aetna Medicare
    • Blue Cross and Blue Shield of IL, NM
    • Blue Cross and Blue Shield of Illinois
    • Cigna Healthcare
    • Clear Spring Health
    • Devoted Health
    • Essence Healthcare
    • Health Alliance Medicare
    • Humana
    • Medica
    • Medical Associates Health Plan, Inc.
    • Molina Healthcare of Illinois
    • UnitedHealthcare
    • Wellcare
    • Zing Health

    Illinois's Top-Rated Plans

    Here's a list of the best Medicare Advantage plans available in Illinois, according to the Centers for Medicare & Medicaid Services:

    Top Medicare Advantage Plans in Illinois

    Best Medicare Advantage Plans in Illinois for 2025
    Provider Plan ID Plan Name Premium Limit Stars

    Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Illinois County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.

    Top-Rated Medicare Advantage Plans in Illinois by County

    Choose your Illinois County below to see the best (and the worst) plans.

    Adams County, IL Medicare Advantage Plans
    Alexander County, IL Medicare Advantage Plans
    Bond County, IL Medicare Advantage Plans
    Boone County, IL Medicare Advantage Plans
    Brown County, IL Medicare Advantage Plans
    Bureau County, IL Medicare Advantage Plans
    Calhoun County, IL Medicare Advantage Plans
    Carroll County, IL Medicare Advantage Plans
    Cass County, IL Medicare Advantage Plans
    Champaign County, IL Medicare Advantage Plans
    Christian County, IL Medicare Advantage Plans
    Clark County, IL Medicare Advantage Plans
    Clay County, IL Medicare Advantage Plans
    Clinton County, IL Medicare Advantage Plans
    Coles County, IL Medicare Advantage Plans
    Cook County, IL Medicare Advantage Plans
    Crawford County, IL Medicare Advantage Plans
    Cumberland County, IL Medicare Advantage Plans
    De Witt County, IL Medicare Advantage Plans
    DeKalb County, IL Medicare Advantage Plans
    Douglas County, IL Medicare Advantage Plans
    DuPage County, IL Medicare Advantage Plans
    Edgar County, IL Medicare Advantage Plans
    Edwards County, IL Medicare Advantage Plans
    Effingham County, IL Medicare Advantage Plans
    Fayette County, IL Medicare Advantage Plans
    Ford County, IL Medicare Advantage Plans
    Franklin County, IL Medicare Advantage Plans
    Fulton County, IL Medicare Advantage Plans
    Gallatin County, IL Medicare Advantage Plans
    Greene County, IL Medicare Advantage Plans
    Grundy County, IL Medicare Advantage Plans
    Hamilton County, IL Medicare Advantage Plans
    Hancock County, IL Medicare Advantage Plans
    Hardin County, IL Medicare Advantage Plans
    Henderson County, IL Medicare Advantage Plans
    Henry County, IL Medicare Advantage Plans
    Iroquois County, IL Medicare Advantage Plans
    Jackson County, IL Medicare Advantage Plans
    Jasper County, IL Medicare Advantage Plans
    Jefferson County, IL Medicare Advantage Plans
    Jersey County, IL Medicare Advantage Plans
    Jo Daviess County, IL Medicare Advantage Plans
    Johnson County, IL Medicare Advantage Plans
    Kane County, IL Medicare Advantage Plans
    Kankakee County, IL Medicare Advantage Plans
    Kendall County, IL Medicare Advantage Plans
    Knox County, IL Medicare Advantage Plans
    Lake County, IL Medicare Advantage Plans
    LaSalle County, IL Medicare Advantage Plans
    Lawrence County, IL Medicare Advantage Plans
    Lee County, IL Medicare Advantage Plans
    Livingston County, IL Medicare Advantage Plans
    Logan County, IL Medicare Advantage Plans
    Macon County, IL Medicare Advantage Plans
    Macoupin County, IL Medicare Advantage Plans
    Madison County, IL Medicare Advantage Plans
    Marion County, IL Medicare Advantage Plans
    Marshall County, IL Medicare Advantage Plans
    Mason County, IL Medicare Advantage Plans
    Massac County, IL Medicare Advantage Plans
    McDonough County, IL Medicare Advantage Plans
    McHenry County, IL Medicare Advantage Plans
    McLean County, IL Medicare Advantage Plans
    Menard County, IL Medicare Advantage Plans
    Mercer County, IL Medicare Advantage Plans
    Monroe County, IL Medicare Advantage Plans
    Montgomery County, IL Medicare Advantage Plans
    Morgan County, IL Medicare Advantage Plans
    Moultrie County, IL Medicare Advantage Plans
    Ogle County, IL Medicare Advantage Plans
    Peoria County, IL Medicare Advantage Plans
    Perry County, IL Medicare Advantage Plans
    Piatt County, IL Medicare Advantage Plans
    Pike County, IL Medicare Advantage Plans
    Pope County, IL Medicare Advantage Plans
    Pulaski County, IL Medicare Advantage Plans
    Putnam County, IL Medicare Advantage Plans
    Randolph County, IL Medicare Advantage Plans
    Richland County, IL Medicare Advantage Plans
    Rock Island County, IL Medicare Advantage Plans
    Saline County, IL Medicare Advantage Plans
    Sangamon County, IL Medicare Advantage Plans
    Schuyler County, IL Medicare Advantage Plans
    Scott County, IL Medicare Advantage Plans
    Shelby County, IL Medicare Advantage Plans
    St. Clair County, IL Medicare Advantage Plans
    Stark County, IL Medicare Advantage Plans
    Stephenson County, IL Medicare Advantage Plans
    Tazewell County, IL Medicare Advantage Plans
    Union County, IL Medicare Advantage Plans
    Vermilion County, IL Medicare Advantage Plans
    Wabash County, IL Medicare Advantage Plans
    Warren County, IL Medicare Advantage Plans
    Washington County, IL Medicare Advantage Plans
    Wayne County, IL Medicare Advantage Plans
    White County, IL Medicare Advantage Plans
    Whiteside County, IL Medicare Advantage Plans
    Will County, IL Medicare Advantage Plans
    Williamson County, IL Medicare Advantage Plans
    Winnebago County, IL Medicare Advantage Plans
    Woodford County, IL Medicare Advantage Plans
    Need assistance finding the best Medicare Advantage for you? Let the professionals at HealthCompare [1] answer your questions and show you your best plan options.

    For fast, friendly assistance call 1-855-728-0510 (TTY 711) .

    Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in Illinois

    There are various reasons you might be considering a plan change, such as turning 65 or the Annual Enrollment Period. You might also be navigating a special enrollment event, such as moving into a new region. There are some important details to consider in all these situations.

    1. Evaluate How You Plan to Use Your Benefits

    Utilization is what determines your overall cost. Healthy individuals use fewer healthcare services. These people can save money by evaluating plans with low monthly premiums. Be aware that these plans often have higher copayments and a higher maximum out-of-pocket limit.

    The opposite is true if you have one or more health conditions and frequently use healthcare services, especially hospital inpatient care. In this case, plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits will help you save money.

    2. Evaluate Your Prescription Costs

    For many seniors, prescription drugs are what drive up their healthcare costs the most. And, because nearly all Illinois Medicare Advantage plans include Part D benefits for your regular prescriptions, you need to make sure the plan you choose covers your drugs at a price you can afford.

    3. Consider Your Needs for Additional Coverage

    Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part B benefits don't cover are covered by Medicare Advantage plans.

    4. Review Your Healthcare Network Considerations

    Most Medicare Advantage plans available in Illinois use local healthcare provider networks to deliver care. But not all specialists and primary care doctors accept all plans. It can be exhausting trying to find a plan you want that your doctors will accept. We can help!

    Find Plans in your area with your ZIP Code

    Next Steps

    If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

    Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

    Frequently Asked Questions

    Still have questions? These common questions and answers might help.

    What are the disadvantages of a Medicare Advantage plan?

    Medicare Advantage plans can have some potential drawbacks. Many plans require members to use their provider network. Costs are also heavily influenced by how you use healthcare services. This makes it difficult to budget for healthcare expenses. Most plans require members to get referrals for specialists or authorization before they can receive healthcare services. Learn more about the pros and cons of Medicare Advantage plans.

    How much does Medicare Advantage cost in Illinois?

    The average cost of a Medicare Advantage plan in Illinois is $nan. But that's just the monthly premium. If you have one or more chronic health conditions, a plan's out-of-pocket costs (e.g. deductibles and copays) are also a factor to consider. Plus, most Medicare Advantage plans include prescription drug benefits, which have their own out-of-pocket costs.

    What do Medicare Advantage plans include?

    All Medicare Advantage plans offered in Illinois must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.

    Citations & References

    • CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
    • Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
    • Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
    • KFF.org, "An Overview of the Medicare Part D Prescription Drug Benefit", Last Accessed October 19, 2022
    • Medicare.gov, "How to join a Medicare Advantage Plan", Last Accessed October 11, 2022
    • CMS.gov, Part C and D Performance Data, Last Accessed October 13, 2024
    • CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024

    For details on how we research, analyze, and construct plan information for Illinois using CMS data, see our Medicare Plan Research Methodology.

    Plans Offered

    Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

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    [1]Affiliate and Sales Agent Disclosure

    Many of the plans featured on MedicareWire are offered through our trusted partner, HealthCompare Insurance Services, Inc., a licensed sales agency. HealthCompare may compensate us if you enroll in a plan through their services. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate.

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    [3]About the Author

    David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

    Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

    Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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