Compare the Best Medigap Plans in Illinois for 2024
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If you’re a Illinois resident with Original Medicare, boosting your Part A and B coverage is easy with one of the best Medigap plans in Illinois. With ten plan options available to help minimize your out-of-pocket costs, selecting the right plan for your healthcare and budget needs is simpler than ever.
On this page, you'll find the leading Illinois Medicare Supplement and insurance companies for 2024.
Top 3 Best Medigap Plans in Illinois for Full Coverage Options
Among the ten standardized Medigap plans, Plans F, G, and N are consistently the top choices for Medicare enrollees in Illinois. These Medicare Supplement plans offer varying levels of coverage that help reduce out-of-pocket healthcare expenses. If you're seeking maximum coverage, Plan F may be ideal, while Plan G offers strong coverage with lower premiums. To compare affordable options, explore Plan N vs. Plan G.
Below is a detailed breakdown of what makes them the most popular plans, along with key benefits and top providers in Illinois.
Medigap Plan F in Illinois
Medigap Plan F stands out as the most comprehensive Medigap plan, covering both Medicare Part A and Part B deductibles. It’s the best Medicare Supplement plan for individuals who want the broadest coverage possible. Learn more about how Plan F compares to Plan G .
Required Benefits of Plan F in Illinois
Medigap Plan G in Illinois
Medicare Supplement Plan G offers comprehensive coverage, making it a strong alternative to Plan F. While it doesn’t cover the Medicare Part B deductible, it typically comes with lower premiums, making it a coverage option for many Medicare beneficiaries. Learn more about the benefits and drawbacks of Plan G as well as the High-Deductible Plan option.
Required Benefits of Plan G in Illinois
Medigap Plan N in Illinois
Plan N is a top choice for those who want comprehensive coverage (excluding excess charges) without the higher premiums of other plans. Though it involves small copayments for office visits and emergency care, it offers significant savings on monthly premiums. Discover the benefits and drawbacks of Plan N.
Required Benefits of Plan N in Illinois
Average Costs for Medigap Plans in Illinois
In Illinois, the cost of a plan varies depending on factors like the plan type, your age, gender, and tobacco use. Here’s an overview of the typical monthly premiums for the most popular supplemental plans in the state:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
Factors That Impact Medigap Plan Costs in Illinois
The price of Medicare Supplements in Illinois can vary based on several important factors, including:
- Age: Premiums often rise as you age.
- Gender: Women may find that their premiums are slightly lower than men’s.
- Tobacco Use: Using tobacco typically leads to higher premiums.
- Location: Your location in Illinois can impact your premium due to regional cost differences.
Looking for ways to lower your Medigap and out-of-pocket costs? Learn how to find the most affordable Medigap coverage.
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Compare All Medicare Supplement Plans in Illinois
If you want to see how all Medicare Supplement Insurance plans sold in Illinois stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Illinois and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in Illinois
Medigap enrollment in Illinois is governed by specific periods that determine when you can sign up for coverage. Your eligibility to enroll and the cost of your plan can depend on the timing of your enrollment. Below, we explain the key enrollment periods:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month period spans from three months before your 65th birthday to three months after. During this window, you can choose any Medigap plan without facing pre-existing condition exclusions. Learn more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): The six-month Medigap open enrollment period begins when you turn 65 and enroll in Medicare Part B. You can sign up for any Medigap plan during this time without medical underwriting. Read more about the Medigap Open Enrollment Period or explore tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): If you experience certain life events, such as losing other health coverage, you might qualify for a Special Enrollment Period to enroll in a Medigap plan. Learn more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
If you're ready to get Medicare Supplement coverage, here are the steps to get started:
- Review Your Options: Take a look at the Medigap plans available in Illinois and find the one that fits your healthcare needs and budget.
- Check Enrollment Dates: Make sure you're within your Initial Enrollment Period, Open Enrollment Period, or eligible for a Special Enrollment Period.
- Apply for Coverage: Reach out to your chosen insurance company or an authorized broker to apply for the Medigap plan you’ve selected.
- Confirm Your Enrollment: Once your application is approved, double-check your enrollment and the details of your coverage.
For more details on Medigap enrollment, visit our Medigap Enrollment Guide.
FAQs about Medigap Plans in Illinois
What’s the difference between Medigap and Medicare Advantage?
Medigap supplements Original Medicare by covering out-of-pocket expenses, while Medicare Advantage plans replaces Original Medicare with an all-in-one plan from private insurers.
Is it possible to switch Medigap plans?
Yes, but switching plans may require medical underwriting unless you have guaranteed issue rights or qualify for a special enrollment period. Find out more about switching Medigap plans.
Do Medigap plans cover medications?
No, prescription drugs are not covered by Medigap. For prescription drug plan coverage, you’ll need to enroll in a Medicare Part D plan.
What out-of-pocket expenses should I expect with Medigap?
You’ll pay a monthly premium, and depending on the plan, you may also have deductibles, copayments, or coinsurance.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023