Medicare Supplements Available in Illinois IL Medigap Plans
On this page we help consumers: Compare 2020 Medigap Plans available in Illinois. See premiums and reviews, including Plan F, G, and N. Find the best Medicare Supplements in IL at the lowest cost available.
Illinois Medicare Supplement Plans: What's the Difference?
Most Medicare experts agree: Original Medicare, combined with a Medicare Supplement, offers the best health coverage Illinois seniors can get. But, which Medigap plan is the right one for you?
This is a complicated question. After all we're all different and have different needs. For most of us it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of three plans: F, G and N. Keep reading and we'll explain why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| Aetna | $150.54 | $139.97 | $109.16 |  |
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| American National | $114.76 | $91.24 | N/A | |
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| American Republic | $155.42 | N/A | N/A | |
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| American Retirement Life | $149.65 | $123.02 | $90.66 |  |
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| Americo Life | $116.61 | $92.63 | $75.39 |  |
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| Assured Life | $209.67 | $148.59 | $118.89 | |
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| Bankers Fidelity | $127.21 | $135.74 | $82.62 | |
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| Blue Cross and Blue Shield of Texas | $153.00 | $139.00 | $108.00 | |
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| Cigna | $123.13 | $100.25 | $85.15 | |
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| Colonial Penn | $157.94 | $122.95 | $86.79 | |
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| Combined Insurance | $134.88 | $104.43 | $112.05 | |
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| Continental Life | $125.87 | $99.38 | $83.72 | |
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| COUNTRY Life | $137.11 | N/A | N/A | |
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| CSI Life | $155.50 | $107.42 | $88.67 | |
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| Equitable Life | $154.42 | $108.08 | $98.67 | |
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| Everence | $200.51 | $163.97 | $93.70 | |
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| Everest | $122.26 | $95.60 | $82.06 | |
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| Gerber Life | $226.45 | $190.92 | N/A | |
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| Globe Life | $161.50 | $145.50 | $123.50 | |
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| GPM Health and Life | $127.88 | $92.60 | $78.36 |  |
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| Greek Catholic Union | $123.02 | $99.71 | $76.33 | |
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| Guarantee Trust Life | $121.20 | $98.40 | $82.41 | |
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| Health Alliance | $147.00 | $129.00 | $110.00 | |
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| Heartland National | $128.40 | $110.17 | $87.49 | |
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| Humana | $139.45 | $113.51 | $95.78 | |
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| IAC | $135.79 | $100.45 | $87.54 | |
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| Liberty Bankers Life | $111.70 | $88.64 | $75.72 | |
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| Loyal Christian | $127.45 | $99.25 | $83.83 | |
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| MassMutual | $123.75 | $99.04 | $85.49 | |
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| Medico | $174.31 | $138.48 | $125.51 | |
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| Mutual of Omaha | $141.58 | $110.76 | $80.10 | |
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| New Era Life | $153.00 | $126.81 | $101.09 | |
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| Oxford Life | $163.50 | $99.51 | $102.60 | |
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| Pan-American Life | $116.76 | $93.67 | $78.81 | |
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| Pekin Insurance | $154.22 | $123.32 | N/A | |
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| Physicians Mutual | $203.16 | $164.86 | $124.14 | |
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| Polish Falcons of America | $122.01 | $93.90 | $79.72 | |
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| Puritan Life | $121.27 | $93.72 | $79.55 | |
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| Renaissance Life | $118.95 | $95.43 | $80.29 | |
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| Reserve National | $163.60 | $113.40 | $105.75 | |
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| Sentinel Security Life | $129.29 | $96.64 | $80.90 | |
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| Shenandoah Life | $121.78 | $92.52 | $73.74 | |
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| State Farm | $157.08 | N/A | N/A | |
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| S.USA Life Insurance | $117.49 | $99.21 | N/A | |
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| Thrivent | $116.68 | $92.15 | $77.83 |  |
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| Unified Life | $116.10 | $92.58 | $77.79 | |
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| United American | $197.00 | $160.00 | $139.00 | |
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| United Commercial Travelers | $216.24 | $168.46 | $149.99 | |
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| AARP | $125.88 | $107.59 | $91.22 | |
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| USAA Life | $132.77 | N/A | $99.96 | |
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| Western Catholic Union | $137.35 | $105.06 | $81.19 | |
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| Western United Life | $123.83 | $93.67 | $81.58 | |
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Compare Plan RatesThe average Illinois senior compares three or more quotes before making an enrollment decision. |
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Top 10 Medicare Supplement Plans in Illinois
Looking for the best Plan F, G or N available to Illinois seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
10 Best Medigap Plan F Policies in Illinois
Medicare Supplement Plan F is the most popular Medigap plan available in Illinois. Here are the 10 best Plan F policies available in Illinois based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $116.68 | $25.00 | |
| Americo Life | $116.61 | None | |
| MassMutual | $123.75 | None | |
| AARP | $125.88 | None | |
| Mutual of Omaha | $141.58 | None | |
| Blue Cross and Blue Shield of Texas | $153.00 | None | |
| Globe Life | $161.50 | None | |
| Reserve National | $163.60 | $15.00 | |
| United American | $197.00 | None | |
| Liberty Bankers Life | $111.70 | $25.00 | |
10 Best Medigap Plan G Policies in Illinois
Medicare Supplement Plan G is rapidly gaining popularity among Illinois seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Illinois based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $92.15 | $25.00 | |
| Americo Life | $92.63 | None | |
| MassMutual | $99.04 | None | |
| AARP | $107.59 | None | |
| Mutual of Omaha | $110.76 | None | |
| Reserve National | $113.40 | $15.00 | |
| Blue Cross and Blue Shield of Texas | $139.00 | None | |
| Globe Life | $145.50 | None | |
| United American | $160.00 | None | |
| Liberty Bankers Life | $88.64 | $25.00 | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
10 Best Medigap Plan N Policies in Illinois
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Illinois seniors. Here are the 10 best Medigap Plan N policies available in Illinois based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $77.83 | $25.00 | |
| Americo Life | $75.39 | None | |
| Mutual of Omaha | $80.10 | None | |
| MassMutual | $85.49 | None | |
| AARP | $91.22 | None | |
| Reserve National | $105.75 | $15.00 | |
| Blue Cross and Blue Shield of Texas | $108.00 | None | |
| Globe Life | $123.50 | None | |
| United American | $139.00 | None | |
| Liberty Bankers Life | $75.72 | $25.00 | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Medicare Supplement Plan Reviews
We review all major Medigap insurance carriers selling Medigap policies in Illinois. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.
Our analysis of Medicare Supplement Plans in Illinois are based on a statewide review, not national. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Medigap Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Illinois. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
Illinois Medicare Supplement insurance carriers are required to adhere to state and federal laws that are designed to protect consumers. Medigap plans must be clearly identified as Medicare Supplement Insurance. Each standardized Medicare Plan is identified by letters A through N and must offer the same identical benefits as all other plans with the same letter. The only variance is the monthly premium.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
Each Medicare supplement insurance policy sold in Illinois offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of liability coverage you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Are not required to offer every Medigap plan
- Must offer Medigap Plan A (basic benefits)
- Must also offer Plan C or Plan F
For more information, visit the Illinois Department of Insurance website at http://insurance.illinois.gov/.
Is Medicare Supplement Plan F the Best Medicare Plan in Illinois?
Even though Medicare Plan F is the most expensive, it is the most popular. More than half of all Illinois seniors with Medigap coverage choose Plan F. The overwhelming reason is that it offers peace-of-mind with complete inpatient and outpatient gap coverage.
IMPORTANT: If you need the financial protection of Plan F, you must buy a policy prior to January 2020. Congress voted to do away with Medicare Supplement Plan F. Insurance carriers are no longer able to sell these polices after December 31, 2019.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
Is the AARP Medicare Supplement the Best in Illinois?
This is one of the most common questions we're asked. AARP Medicare Supplements, which are underwritten by United Healthcare, offer the exact same coverage as standardized plans offered by other Medigap insurance carriers. The big difference is the monthly premium.
In our experience, AARP Medigap Plans are typically more expensive than average, and is often the most expensive. However, United Healthcare has a large number of hospitals under contract, allowing them to offer Medicare SELECT policies at better rates than standard Medicare Supplements. This allows them to be very competitive on rates if you agree to use a specific hospital.
The most popular AARP Medicare Supplements are Plan F, Plan G and Plan N. The comparison chart below highlights the difference in coverage.
Medigap Plan Comparison Chart
The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Medigap vs Medicare Advantage
Still wondering if a Medigap plan is right for you? Considering Medicare Advantage as an alternative? For many seniors it's a difficult decision. Here's our advice.
First, understand the difference between Medigap and Medicare Advantage plans available in Illinois. Medicare Supplement insurance fills gaps in your Original Medicare benefits. Medicare Advantage replaces your Original Medicare benefits with managed care.
Second, if you want the most choices and flexibility, Original Medicare combined with a Medigap plan and a Illinois Medicare Part D plan is the way to go.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Illinois SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-252-8966; TTY: 1-888-206-1327
- http://www.illinois.gov/aging/ship
Additional Foot Notes
[3] Sample premium is for a 65 year old, non smoking, woman living in Illinois. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .