Best Illinois Medicare Advantage Plans

Using the Centers for Medicare & Medicaid Services's (CMS) five-star quality rating system, MoneyGeek identified the highest-rated and most widely available plans in Illinois. We rated the best Medicare Advantage plans in Illinois based on plan type, drug coverage requirements and low out-of-pocket expenses.

MoneyGeek's recommendations are based on aggregated data. Always check to see if your preferred hospitals and medical providers are covered by your chosen Medicare Advantage plan and compare prices to find your ideal provider.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Illinois.

The best Medicare Advantage Plan will be different for each person, due to their specific needs and requirements. When it comes to PPO plans in Illinois, the Aetna Medicare Value (PPO) plan offered by Aetna Medicare comes out on top, according to MoneyGeek's study. It offers drug coverage, the six core benefits and a high star rating from CMS.

As the second-most common type of health insurance in the state, PPO plans are more accessible and feature a wider network. With a PPO plan, you don't need a referral to see an in-network or out-of-network doctor or specialist. These plans are typically more expensive, however, due to their added flexibility.

Average shoppers living in Illinois seeking plans with drug coverage, the six core benefits and a high CMS star rating can look to Humana's Humana Gold Plus H1468-013 (HMO) for the best policy.

Although they are generally cheaper, HMO plans only cover services from in-network hospitals and doctors. Your primary care physician can refer you to a specialist in the network as necessary. In the event of an emergency, out-of-network services are covered by these policies. Individuals who require affordable insurance and have easy access to in-network providers can benefit the most from this option.

While choosing a Medicare Advantage plan, individuals who do not require Part D prescription drug coverage can consider several alternatives. Among Medicare Advantage plans in Illinois that do not include drug coverage, Humana's Humana Gold Plus H1468-013 (HMO) plan is the best option. It offers the six core benefits and has a high CMS star rating, making it one of the best Medicare Advantage plans in the state.

Many Medicare Advantage plans come with little or no premiums, which can lead to significant out-of-pocket expenses. You can prevent these costs by selecting a health insurance plan with a low maximum out-of-pocket expenditure.

Aetna Medicare's Aetna Medicare Value (PPO) offers the lowest maximum out-of-pocket expenses for Illinois residents. Additionally, the plan provides coverage for six core benefits and prescription drugs. CMS gave it a strong overall rating, as well.

Medicare Advantage plans are available from 20 healthcare companies in Illinois. This section explores several crucial components. You can use the information to develop an understanding of coverage availability.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Illinois were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Illinois based on county availability.