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Illinois

Top Medicare Advantage Plans in Illinois for 2024

by David Bynon, last updated October 10, 2023

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Finding the Best 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.

This page is dedicated to assisting you in exploring the highest-rated Medicare Advantage (MA) plans available in Illinois, highlighting the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific geographic region. This information is crucial as the availability of these plans varies by location, and it's essential to identify the options accessible in your area.

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
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Unveiling the Standout Medicare Advantage Plans in Illinois

The Centers for Medicare & Medicaid Service (CMS) rates and reviews Illinois's Medicare Advantage plans based on a 5-star rating scale. Information from members and data provided by plans is used to determine a plan's star rating.

Illinois has 5-star Medicare Advantage plans available in 2024. Not all states and locations do. This year, the highest rated Medicare plans available in Illinois come from:

  1. Essence Healthcare
  2. Quartz Health Plan
  3. Quartz Medicare Advantage

We recommend evaluating the health plans from these Illinois health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.

CRUCIAL: Benefits are not the same throughout Illinois. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.

Complete List of Illinois's MA Plan Companies

Illinois has 24 providers that offer Medicare Advantage plans. They include:

  • Aetna Medicare
  • Ascension Complete
  • Blue Cross and Blue Shield of IL, NM
  • Blue Cross and Blue Shield of Illinois
  • Cigna
  • Cigna Healthcare
  • Clear Spring Health
  • Devoted Health
  • Essence Healthcare
  • Health Alliance Medicare
  • HealthPartners UnityPoint Health
  • Humana
  • Lasso Healthcare
  • Medica
  • Medical Associates Health Plan
  • Medical Associates Health Plan, Inc.
  • Molina Healthcare of Illinois
  • Quartz Health Plan
  • Quartz Medicare Advantage
  • UnitedHealthcare
  • Wellcare
  • Wellcare by Allwell
  • WellFirst Health
  • Zing Health

Top Ranked Plans in Illinois

According to the Centers for Medicare & Medicaid Services, here are the top-ranked Medicare Advantage Plans available in Illinois:

Top Medicare Advantage Plans in Illinois

Best Medicare Advantage Plans in Illinois for 2024
Provider Plan ID Plan Name Premium Limit Stars
Essence HealthcareH2610-005Essence Advantage (HMO)$0.00$1,9505.0
Essence HealthcareH2610-006Essence Advantage Plus (HMO)$60.00$1,7005.0
Essence HealthcareH2610-016Essence Advantage Select (HMO)$0.00$2,8005.0
Aetna MedicareH2663-017Aetna Medicare Premier Preferred (HMO)$0.00$3,4004.5
Aetna MedicareH2663-005Aetna Medicare Gold Advantage (HMO)$0.00$2,4004.5
Aetna MedicareH2663-006Aetna Medicare Option 1 (HMO-POS)$19.00$6,0004.5
Aetna MedicareH2663-002Aetna Medicare Option 2 (HMO)$28.00$4,9004.5
HealthPartners UnityPoint HealthH3416-001HealthPartners UnityPoint Health Align (PPO)$0.00$3,9004.5
HealthPartners UnityPoint HealthH3416-002HealthPartners UnityPoint Health Symmetry (PPO)$49.00$3,3004.5
HumanaH5216-283HumanaChoice H5216-283 (PPO)$30.00$3,1004.5
HumanaH1468-018Humana Community Select (HMO)$0.00$2,3004.5
HumanaH1468-014Humana Gold Plus H1468-014 (HMO)$49.00$3,8504.5
HumanaH1468-013Humana Gold Plus H1468-013 (HMO)$0.00$2,3004.5
HumanaH5216-357HumanaChoice H5216-357 (PPO)$138.00$1,0004.5
HumanaH5216-251HumanaChoice H5216-251 (PPO)$0.00$3,7004.5
HumanaH5216-399HumanaChoice H5216-399 (PPO)$30.00$3,9004.5
HumanaH1468-007Humana Gold Plus H1468-007 (HMO)$0.00$3,0004.5
HumanaH5216-318HumanaChoice H5216-318 (PPO)$0.00$3,6004.5
HumanaH5216-032HumanaChoice H5216-032 (PPO)$70.00$6,7004.5
HumanaH5216-013HumanaChoice H5216-013 (PPO)$87.00$3,4504.5
HumanaH5216-215HumanaChoice H5216-215 (PPO)$0.00$3,9004.5
MedicaH8019-002Medica Advantage with SSM Value (HMO-POS)$0.00$4,5004.5
MedicaH8019-006OSF with Medica Advantage Value (HMO)$0.00$3,5004.5
MedicaH8019-007OSF with Medica Advantage Select (HMO-POS)$0.00$3,9004.5
MedicaH8019-008OSF with Medica Advantage Preferred (HMO-POS)$160.00$04.5
Quartz Medicare AdvantageH5262-018UW Health IL Quartz Med Advantage Value D(w/Rx) (HMO)$32.00$4,5004.5
Quartz Medicare AdvantageH5262-019UW Health IL Quartz Med Advantage Core D (w/Rx) (HMO)$0.00$5,5004.5
Quartz Medicare AdvantageH5262-026UW Health IL Quartz Med Advantage Elite D(w/Rx) (HMO)$68.00$3,2504.5
UnitedHealthcareH2802-024AARP Medicare Advantage Access (HMO-POS)$0.00$2,5004.5
UnitedHealthcareH5253-107AARP Medicare Advantage from UHC IA-0001 (HMO-POS)$0.00$3,8004.5
UnitedHealthcareH5253-108AARP Medicare Advantage (HMO-POS)$25.00$3,9004.5
UnitedHealthcareH5253-108AARP Medicare Advantage from UHC IA-0002 (HMO-POS)$29.00$3,8004.5
UnitedHealthcareH2802-052AARP Medicare Advantage Plan 2 (HMO-POS)$0.00$3,4004.5
UnitedHealthcareH2802-028AARP Medicare Advantage Plan 1 (HMO-POS)$0.00$2,9004.5

The top providers listed above do not tell the full story. That's because your Illinois County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.

Best MA 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
Dekalb County, IL Medicare Advantage Plans
Dewitt 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
La Salle County, IL Medicare Advantage Plans
Lake 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
Saint Clair 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
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.

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Navigating Your Options: How to Select 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

Do you believe that you will get the most out of your plan's benefits, including hospital inpatient care? If you do, evaluate plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits. Conversely, if your health is good and you rarely use services, look for plans with low premiums or a zero-dollar premium. These plans may have high out-of-pocket maximums and high deductibles, so weigh your risk carefully.

2. Review Your Drug 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. Understand Your Additional Coverage Requirements

Original Medicare does not all health care costs. It covers your major medical and some preventive care services, but it does not cover dental, vision, hearing, or prescriptions. A growing number of Medicare Advantage plans cover many of the essential services that your Part A and Part B benefits do not.

4. Consider Your Healthcare Providers

Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Illinois shoppers, finding a plan that their doctors accept is exhausting. 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 pros and cons 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 do Medicare Advantage plans cost in Illinois?

A Medicare Advantage plan in Illinois costs an average of $23.95. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costs.

What do Medicare Advantage plans include?

At a minimum, every Medicare Advantage plan sold in Illinois must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.

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, "Explore your Medicare coverage options", Last Accessed October 27, 2022
  • KFF.org, "Medicare Advantage 2023 Spotlight: First Look", Last Accessed September 5, 2023
  • Medicare.gov, "How do Medicare Advantage Plans work?", Last Accessed October 13, 2022
  • CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
  • CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
  • CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
  • CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023

Plans Offered

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

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