Medicare Supplement Plans in Illinois
On this page we help consumers: Compare Illinois Medicare supplemental insurance. See premiums, fees, and reviews on all IL Medigap plans, including Plan F, G, and N.
Illinois Medigap Plans: What's the Difference?
Most seniors agree: Original Medicare, combined with one of the top 3 Illinois Medigap plans, offers the very best health coverage seniors can get. But, which Medicare supplement is right for you?
The answer to that question is complex. What's best for you is very different than what's best for your spouse or your neighbor. It all comes down to your finances (what you can afford) and your health (how much risk you can take). At MedicareWire, we believe most seniors can narrow their search to three plans: F, G, and N. Read on 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
Looking for a different plan? Compare all Medicare supplement plans here.
Illinois Medicare Supplement Plan F Comparison Chart
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 | |
Illinois Medicare Supplement Plan G Comparison Chart
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. | |||
Illinois Medicare Supplement Plan N Comparison Chart
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. | |||
Abour our Illinois Supplemental Medicare Insurance Reviews
We evaluate all Medicare Supplement companies servicing policies in Illinois. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask your agent to provide this information.
We review Medicare Supplement Plans in Illinois head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance. Call 1-855-266-4865 to speak with an agent and get a quote.
How Much do Medicare Supplement Plans Cost in Illinois?
We show estimated monthly premiums for all Medicare Supplement Plans in Illinois. Premiums shown come from our most recent review of each carrier and are based on a 65-year-old, non-smoking woman. Use our rates to compare carriers. Your agent will quote your final rate based on where you live, your current age, sex, and use of tobacco. Call 1-855-266-4865 to speak with an agent and get a quote.
Medigap Plans in Illinois are Standardized
All Medicare Supplement insurance carriers in Illinois are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
Each of the lettered Medicare supplement insurance plans offer the core coverage provided by Plan A. Plans B through N have a varying range of additional coverage. This way you can choose an appropriate policy based on the amount of insurance you need.
Insurance companies are free to choose the policies they offer, although Illinois state laws might affect which ones they can offer. Carriers offering Medicare Plans:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the Illinois Department of Insurance website at http://insurance.illinois.gov/.
Illinois Medigap Plan Comparison Chart
The comparison chart below shows the benefits offered by each standardized Medigap plan.
| 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.
Got questions about Medicare Supplement Insurance in Illinois?
Try one of these answers:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
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 .