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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated May 24, 2025

MedicareWire partners with HealthCompare for some plans. Compensation does not influence content. Here's why you can trust our data and how we make money. Also see our references and how we're building EEAT trust.

Medicare Advantage
 » 
Illinois
 » 
Will County

Guide to Medicare Advantage Plans in Will County, IL for 2025

List of Plans | Plan Overview | Benefits | How to Choose | Enrollment | FAQ

There are 62 Medicare Advantage plans available in Will County, IL for the 2025 plan year, including 49 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

Not in Will County? Enter your ZIP code to see plans in your area.

  • Top 3 Plans by Enrollment:
    1. Humana Gold Plus H1468-013 (HMO) — 8,018 enrollees
    2. HumanaChoice H5216-251 (PPO) — 3,450 enrollees
    3. Aetna Medicare Choice (PPO) — 2,124 enrollees
  • Average Monthly Premium: $18.08
  • Average Maximum Out-of-Pocket Limit: $4,573
  • Average Prescription Drug Deductible: $284.81
  • Ratings (Plan Mix): 4+ Stars: 39% · 3 Stars: 59% · Below 3: 2%
  • Plan Type Breakdown 33 PPO · 18 HMO · 9 HMO-POS · 2 REGIONAL PPO

Will County, Illinois Medicare Advantage Plans

Medicare Advantage Plans in Will County, IL for 2024
Plan Name Type Premium MOOP Rx Ded. Rating
Aetna Medicare Duly Prime* PPO $0 $4,900 $0
☆☆☆☆☆
Aetna Medicare Eagle* PPO $0 $4,900 N/A
☆☆☆☆☆
Aetna Medicare Premier Plus* PPO $31 $4,500 $590
☆☆☆☆☆
Aetna Medicare Value* PPO $0 $4,900 $590
☆☆☆☆☆
Cigna Preferred Medicare* HMO $0 $2,350 $0
☆☆☆☆☆
Cigna Preferred Savings Medicare* HMO $0 $4,500 $0
☆☆☆☆☆
Cigna Premier Medicare* HMO-POS $0 $3,250 $0
☆☆☆☆☆
Essence Advantage Select* HMO $0 $3,250 $0
☆☆☆☆☆
AARP Medicare Advantage from UHC IL-0001 HMO-POS $26 $2,900 $340
☆☆☆☆☆
AARP Medicare Advantage from UHC IL-0002 HMO-POS $0 $3,500 $340
☆☆☆☆☆
Aetna Medicare Choice PPO $0 $4,750 $590
☆☆☆☆☆
Aetna Medicare Enhanced Select PPO $176 $1,500 $590
☆☆☆☆☆
Aetna Medicare Value Plus PPO $17 $6,000 $590
☆☆☆☆☆
Blue Cross Medicare Advantage Basic HMO $0 $4,500 $0
☆☆☆☆☆
Blue Cross Medicare Advantage Basic Plus HMO-POS $0 $6,750 $0
☆☆☆☆☆
Blue Cross Medicare Advantage Premier Plus HMO-POS $83 $3,500 $0
☆☆☆☆☆
Devoted CORE Illinois HMO $0 $3,200 $590
☆☆☆☆☆
Devoted GIVEBACK Illinois HMO $0 $8,850 $590
☆☆☆☆☆
Essence Advantage Choice PPO $0 $4,150 $295
☆☆☆☆☆
Essence Advantage Choice Plus PPO $47 $4,150 $0
☆☆☆☆☆
Essence Advantage Premier Plus PPO $247 $1,000 $590
☆☆☆☆☆
Humana Gold Plus Giveback H1468-021 HMO $0 $4,150 $250
☆☆☆☆☆
Humana Gold Plus H1468-013 HMO $0 $2,150 $0
☆☆☆☆☆
Aetna Medicare Prime HMO-POS $0 $4,900 $590
☆☆☆☆☆
Blue Cross Medicare Advantage Choice Plus PPO $84 $4,850 $0
☆☆☆☆☆
Blue Cross Medicare Advantage Choice Premier PPO $152 $4,200 $0
☆☆☆☆☆
Blue Cross Medicare Advantage Classic PPO $0 $4,900 $250
☆☆☆☆☆
Blue Cross Medicare Advantage Dental Premier PPO $0 $7,550 $590
☆☆☆☆☆
Blue Cross Medicare Advantage Elite PPO $0 $4,900 $250
☆☆☆☆☆
Blue Cross Medicare Advantage Health Choice PPO $0 $6,900 $590
☆☆☆☆☆
Blue Cross Medicare Advantage Protect PPO $0 $6,750 N/A
☆☆☆☆☆
Blue Cross Medicare Advantage Secure HMO $0 $3,500 $0
☆☆☆☆☆
Devoted CHOICE Illinois PPO $0 $4,150 $590
☆☆☆☆☆
Humana Full Access H5216-412 PPO $0 $4,850 $250
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $5,500 N/A
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $5,500 N/A
☆☆☆☆☆
Humana USAA Honor Giveback Regional PPO $0 $6,750 N/A
☆☆☆☆☆
HumanaChoice H5216-013 PPO $88 $6,750 $250
☆☆☆☆☆
HumanaChoice H5216-251 PPO $0 $3,800 $250
☆☆☆☆☆
HumanaChoice H5216-283 PPO $23 $4,900 $590
☆☆☆☆☆
HumanaChoice R5361-002 Regional PPO $104 $7,200 $590
☆☆☆☆☆
Wellcare Simple HMO-POS $0 $2,500 $420
☆☆☆☆☆
Wellcare Simple Value HMO-POS $0 $2,500 $420
☆☆☆☆☆
Zing Choice IL HMO $0 $3,850 $0
☆☆☆☆☆
Zing Elite Select IL HMO $0 $3,190 $0
☆☆☆☆☆
AARP Medicare Advantage from UHC IL-0004 PPO $43 $5,400 $495
☆☆☆☆☆
AARP Medicare Advantage from UHC IL-5 PPO $0 $6,700 $495
☆☆☆☆☆
AARP Medicare Advantage Patriot No Rx IL-MA01 PPO $0 $6,700 N/A
☆☆☆☆☆
Cigna True Choice Courage Medicare PPO $0 $5,100 N/A
☆☆☆☆☆
Cigna True Choice Medicare PPO $0 $4,000 $0
☆☆☆☆☆
Cigna True Choice Savings Medicare PPO $0 $4,900 $0
☆☆☆☆☆
Clear Spring Health Community Advantage Plan HMO $0 $2,950 $0
☆☆☆☆☆
Wellcare Giveback Open PPO $0 $5,000 $420
☆☆☆☆☆
Wellcare Patriot Giveback Open PPO $0 $5,500 N/A
☆☆☆☆☆
Wellcare Simple Essential HMO $0 $2,900 $420
☆☆☆☆☆
Wellcare Simple Essential Value HMO $0 $2,900 $420
☆☆☆☆☆
Wellcare Simple Exclusive HMO $0 $2,700 $420
☆☆☆☆☆
Wellcare Simple Open PPO $0 $3,200 $420
☆☆☆☆☆
Zing Select Care IL HMO $0 $3,850 $0
☆☆☆☆☆
Aetna Medicare Premier HMO-POS $0 $6,000 $590
☆☆☆☆☆
Clear Spring Health Essential HMO $0 $2,900 $0
☆☆☆☆☆
Molina Medicare Choice Care HMO $0 $9,350 $125
☆☆☆☆☆
**Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages.
📊 At a Glance: Medicare Advantage in Will County
Average Monthly Premium
$18.08
Plans with $0 Premium
49
Average MOOP Limit
$4,573 ($9,350 max. in 2025)
Average Rx Deductible
$284.81
Plans Without Drug Coverage
4 (standalone Illinois Part D plans)
Plans with 5-Star Ratings
No 5-star plans available.
Stars  Ratings (Plan Mix)
4+ Stars: 39% · 3 Stars: 59% · Below 3: 2%
Plans Available
62 (excluding Will County SNP plans)
Plan Type Breakdown
33 PPO · 18 HMO · 9 HMO-POS · 2 REGIONAL PPO
Countywide Enrollments
29,604 (excluding SNP plans)
Top 3 Plans by Enrollment
1. Humana Gold Plus H1468-013 (HMO) — 8,018 enrollees
2. HumanaChoice H5216-251 (PPO) — 3,450 enrollees
3. Aetna Medicare Choice (PPO) — 2,124 enrollees

Data Sources: CY2025 Landscape, PBP Benefits, Star Ratings Data, Monthly Enrollment by CPSC, and SimpleMaps U.S. Counties. Enrollment data last updated April 7, 2025. County demographic data last updated April 5, 2025.

Understanding Your Medicare Advantage Options

Medicare Advantage Plans, also known as Medicare Part C, are private health plans that provide all-in-one coverage, including Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). On top of the core benefits, many of the plans in Will County throw in some nice extras - think prescription drug coverage, dental, vision, and wellness programs - making them a solid choice for those in Will County looking for something more than Original Medicare.

🏥 Health Maintenance Organization (HMO) Plans

HMO plan members must use the plan's network of doctors and hospitals in Will County, and typically need a referral to see a specialist. Some Medicare Advantage HMO Plans may have lower costs but offer less flexibility in choosing healthcare providers. There are 10,708 residents enrolled in HMO plans in this county. The most popular plan is Humana Gold Plus H1468-013 .

🔓 Preferred Provider Organization (PPO)

A PPO allows more flexibility in choosing healthcare providers, with the option to see specialists without referrals, though often at a higher cost. Medicare Advantage PPOs usually have higher premiums and out-of-pocket expenses. There are 16,623 Will County residents enrolled in PPO plans. The most popular of these plans by enrollments is HumanaChoice H5216-251 .

🔀 Health Maintenance Organization Point of Sale (HMO-POS)

Medicare HMO-POS plans are a type of HMO that offers a little more flexibility. Like a regular HMO, you typically use the plan's network of doctors and hospitals for care, usually requiring a referral to see specialists. However, an HMO-POS plan lets you receive certain healthcare services outside of the network at a higher cost. There are 2,228 residents enrolled in HMO-POS plans in this Will County. The most popular plan by enrollments is AARP Medicare Advantage from UHC IL-0001 .

If you qualify for Original Medicare or Medicare Advantage in Will County but don't know where to begin, we have licensed insurance agents[1] at 1-855-728-0510 (TTY 711) who can answer your questions (Mon-Fri 5am-6pm, Sat 6am-5pm PST) and help you get enrolled. There's no obligation.

Advantages of Enrolling in Medicare Advantage

Many Medicare Advantage Plans offer extra benefits that go beyond Original Medicare, making them an attractive option for some people. These plans provide comprehensive coverage, often including additional services like prescription drug coverage, dental, vision, and wellness programs, all bundled into one plan. By choosing a Medicare Advantage Plan, you can simplify your healthcare and potentially save on costs.

Take a look at the main benefits provided by Medicare Advantage Plans in Will County:

🧑‍⚕️Coordinated Care

Plans often include care coordination services, which help you manage your healthcare across different providers and services.

💸 Cost Savings

Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.

🧾 Comprehensive Coverage

Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.

🧘 Wellness Programs

Many Yavapai County plans offer free gym memberships, wellness programs, and preventive care services. You need to stay healthy, right?

Tips for Selecting a Medicare Advantage Plan

Choosing the right Medicare Advantage Plan out of the 62 plans available in Will County requires careful consideration of several key factors:

🏥1. Provider Network

Verify that your current doctors and preferred hospitals are included in the plan's network. Access to your healthcare providers can significantly impact your care experience.

💊 2. Prescription Drug Coverage

Make sure the plan covers your medications, particularly if you have specific prescriptions you rely on regularly.

💰 3. Costs

Examine the plan's premiums, copayments, and out-of-pocket limits. Compare these costs against your budget to avoid unexpected expenses.

🎁 4. Additional Benefits

Consider what extra services, such as dental, vision, or wellness programs, are important to you, and check if the plan offers them.

⭐ 5. Plan Ratings

Look into the plan's star ratings, which provide insight into the plan's overall quality and member satisfaction.

Learn more about the basics of comparing Medicare Advantage Plans.

Medicare Advantage Enrollment Periods

Making sense of Medicare Advantage enrollment periods can seem overwhelming, but it's worth the effort for better health coverage. Missing these key dates could delay your coverage or limit your plan choices for 2025 in Will County.

📅 Initial Enrollment Period (IEP)

This initial enrollment window starts three months before and ends three months after your 65th birthday, offering a total of seven months to enroll in a Medicare Advantage Plan.

🗓️ Annual Enrollment Period (AEP)

Every year from October 15 to December 7, you have the option to change, enroll, or disenroll from a Medicare Advantage Plan.

🔁 Open Enrollment Period (OEP)

Running from January 1 to March 31, this period allows changes to your Medicare Advantage Plan if you’re already enrolled or lets you switch back to Original Medicare.

For comprehensive details on how to enroll, visit our detailed guide on Medicare Enrollment.

Are you ready to enroll? Do you still have questions? Our licensed insurance agents are ready to help with no obligation. Call 1-855-728-0510 (TTY 711) for assistance, Mon-Fri 5am-6pm, Sat 6am-5pm PST.

Frequently Asked Questions

What are the most popular Medicare Advantage plan types in Will County?

Based on the 2025 plan data, PPO plans are the most common in Will County. The full breakdown of plan types is: 33 PPO · 18 HMO · 9 HMO-POS · 2 REGIONAL PPO.

How much can I expect to pay out of pocket for Medicare Advantage plans?

The average maximum out-of-pocket limit (MOOP) in Will County is $4,573 for 2025.

Do any Medicare Advantage plans in Will County have 5-star ratings?

No 5-star rated Medicare Advantage plans are available in Will County for the 2025 plan year. However, 39% of plans have a rating of 4 stars or higher.

What is the average monthly premium for Medicare Advantage plans in Will County?

The average monthly premium for Medicare Advantage plans in Will County is $18.08. A total of 49 offer $0 premiums, though costs vary by plan type and benefits.

More About These Plans

Carrier 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.

Master Plan Pages by Plan ID

The plan pages listed in the table above have been modified for localization to help consumers identify plans available in their area. Most plans are available in multiple areas. The following list of plan IDs link to each plan's master page.

H5521 314, H5521 286, H5521 016, H5521 086, H4513 085, H4513 086, H4513 084, H2610 027, H2802 025, H2802 054, H7301 013, H7301 015, H7301 022, H3822 001, H3822 007, H3822 008, H7151 001, H7151 003, H6200 009, H6200 010, H6200 011, H1468 021, H1468 013, H3192 001, H8634 003, H8634 004, H8634 008, H8634 021, H8634 016, H8634 018, H8634 019, H8547 001, H6545 001, H5216 412, H5216 258, H5216 355, R5361 001, H5216 013, H5216 251, H5216 283, R5361 002, H1416 009, H1416 082, H4624 001, H4624 030, H8768 005, H8768 010, H8768 019, H7849 078, H7849 002, H7849 080, H3071 002, H6713 002, H6713 003, H5779 002, H5779 009, H5779 007, H6713 001, H7330 001, H1206 003, H5454 002, H2715 003

Plan Availability

The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Aurora, Beecher, Bolingbrook, Braidwood, Channahon, Crest Hill, Crete, Elwood, Frankfort, Homer Glen, Joliet, Lockport, Manhattan, Mokena, Monee, Naperville, New Lenox, Peotone, Plainfield, Romeoville, Shorewood, University Park, Wilmington, and all other areas of Will County, Illinois, including the following zip codes: 60401, 60403, 60404, 60407, 60408, 60410, 60416, 60417, 60421, 60423, 60431, 60432, 60433, 60434, 60435, 60436, 60439, 60440, 60441, 60442, 60446, 60447, 60448, 60449, 60451, 60466, 60467, 60468, 60471, 60475, 60477, 60481, 60484, 60487, 60490, 60491, 60503, 60517, 60543, 60544, 60564, 60565, 60585, 60586, 60940, 60950.

Citations & References
  • Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed 19 March, 2025
  • CMS.gov, "Special Needs Plans (SNP)", Last Accessed 24 May, 2024
  • Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?", Last Accessed 19 March, 2025
  • Plan and enrollment data provided by the Centers for Medicare & Medicaid Services (CMS)
  • Data processed and interpreted by MedicareWire.com editorial team.
  • Read our methodology and sourcing policy.

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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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