You have a wide range of Medicare and other senior health insurance options available to you in Mchenry County. To make shopping easier, use the navigation links below to show specific plan types. If you're not ready to make a decision click here to discover your options.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Mchenry County Medicare Insurance Options
Traditional Medicare coverage – that's Part A and Part B – are not based on where you live in Mchenry County or Illinois. This is not true of Medicare Part C and Part D, or Medigap plans. Private Medicare insurance is regional, and costs and availability vary widely.
Also, although there are nearly 200,000 primary care doctors (physicians) in America that are authorized to bill Medicare for services provided to their patients, every doctor accepts Medicare payments in a different way. As a result, the combination of health insurance options and doctors who accept them is seemingly endless.
Our goal is to help you find all of the information you need to narrow your plan options to a small number so you can get on the phone with licensed adviser and make your final election for the year. In our experience, people who take a little more time investigating their options generally have better results with their healthcare.
Medicare Advantage Insurance in Mchenry County
Currently there are no Medicare Advantage plans available in Mchenry County, Illinois. Hopefully this will change in the future.
Medicare Supplement Insurance in Mchenry County
Original Medicare offers Illinois seniors the most flexibility in their healthcare options, but it also comes with a significant risk: Original Medicare does not have an out-of-pocket limit. This serious risk is the reason the insurance industry offers Medicare Supplemental insurance, also known as Medigap.
Medicare Supplements protect you by paying all or part of the uncovered portions of your Medicare bill (up to the limits of the plan you choose). Each of the ten lettered plans have different coverage levels, but they are all standardized by the Illinois state board of insurance. You simply choose the level of coverage you want and shop for the best premium.
Medicare Supplement insurance is not like Medicare Advantage; by law it is not allowed to offer additional benefits, including prescription drug coverage. Each Medigap plan pays specific portions of the coverage gaps in Original Medicare. So, if it's not covered by Medicare Part A or Part be, Medigap insurance can't cover it either.
Medicare Prescription Drug Plans in Mchenry County
One of the most important healthcare benefits needed by most Illinois seniors is prescription medication coverage, and it's not included in Original Medicare. If you want assistance paying for your prescriptions you must enroll in a Medicare Advantage plan that includes it, or join a Medicare Part D plan (PDP).
You have a total of 7 Illinois PDP options this year. Every year plans change, so be sure to review your choices each Annual Election Period. The low cost plan this year is just $28.30 per month. At the high end, premiums top out at $102.80 per month. If you have regular prescriptions, be sure to compare your needs with a plan's formulary before enrolling.
Prescription drug insurance is important, so be sure to learn as much as you can about Medicare Part D before enrolling. You'll find plenty of information on our Medicare Part D Frequently Asked Questions and Medicare Part D Coverage pages.
How-To Find a Medicare Doctor in Mchenry County, Illinois
We've recently added all Mchenry County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Algonquin, Cary, Crystal Lake, Fox River Grove, Harvard, Hebron, Huntley, Lake In The Hills, Marengo, Mchenry, Richmond, Ringwood, Spring Grove, Wonder Lake, Woodstock, and surrounding areas.
This page was last updated on: 11/12/2014.