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Medicare Supplement Plans in Illinois

If you want to eliminate confusion from your Medicare coverage, then you should compare Medicare Supplement plans in Illinois. Many people assume the Original Medicare Part A and B are sufficient.  However, they are later surprised by deductibles, copayments, cost share percentages and other out-of-pocket expenses.Medicare Supplement Plans in Illinois A Medicare Supplement plan in Illinois can give you peace of mind while improving the quality of medical care that you receive in years to come.

We strive to make finding and using the best Medicare Supplement plans fast and easy We will help you compare rates online, identify the most trustworthy carriers and understand potential annual changes to your benefits. You can also give us a call and speak directly to an agent regarding your Medicare Supplement plan options.

Medicare Supplement Plans in Illinois: Enrollment Statistics

The five largest counties in Illinois

  •  Cook County
  • DuPage County
  • Lake County
  • Will County
  • Kane County.

Let’s take a closer look at more relevant Medicare statistics for Illinois:

  • 2015, there were more than two million Medicare beneficiaries in Illinois.
  • 2016, the average age of retirement in Illinois was 63.
  • 2015, more than 1.5 million Illinois residents were signed up for Original Medicare (Parts A and B).

Medicare Supplement Plan in Illinois: When to Apply

Timing your application for a Medicare Supplement plan is important because any diagnosed medical conditions could increase your rate or exclude you entirely if you don’t apply at the right time. You have three options to consider:

Medigap Open Enrollment Period

This “preferred timing” refers to a six-month block of time that surrounds the first day of the month that you turn 65 years old. You’ll have 3 months before and 3 months after.  The only exception is if you delayed Medicare Part B when turning 65 because you already have employer health benefits. In that case, your open enrollment period will start when you sign up for Part B.

Companies offering Medicare Supplement Plans in Illinois are legally required to offer you coverage during your Medigap Open Enrollment Period regardless of pre-existing conditions.

Special Enrollment Period

These “Second Chance Timing” options create Guaranteed Issue Right allowing you to apply for a Medicare Supplement plan without answering medical questions due to special circumstances. Here are a few examples:

  • Retirement (losing employer insurance)
  • Employer stops offering insurance
  • Moving out of your Advantage plan’s service area
  • Insurance carrier goes out of business
  • Insurance carrier loses Medicare it’s contracting or withdraws from the market
  • Misleading marketing

Applying After Enrollment Periods Expire

You can apply for a Medicare Supplement plan in Illinois after your initial enrollment window closes and without any special circumstances, but the insurance carrier will ask questions regarding your medical history and may decline to offer you a plan.

How are Rates Calculated for Medicare Supplement Plans in Illinois?

There are three strategies that Illinois providers may use to determine Medicare Supplement plan premiums.

  1. Attained Age

    Your age determines your rate, so you can expect annual changes as you progress into higher age groups. Most carriers offering Medicare Supplement plans in Illinois use this strategy when determining Medigap rates.

  2. Community-Rated

    All participants are charged the same premium regardless of age.  Only one insurance company in Illinois that uses this strategy to determine rates.

  3. Issue-Age

    Your age when you first accept the Medicare Supplement plan will always determine your premium. There are no insurance companies in Illinois that utilize this strategy.

Which Medicare Supplement Plans in Illinois Should I Compare?

There are eight Medigap plans now available: A, B, C, D, F, G, M, and N. They all have their advantages and a distinct outline of coverage, and selecting one is a personal matter. You must determine which one offers services that are relevant to your medical needs while fitting comfortably into your budget. Reading Medicare policy reviews can help you make this decision, but speaking to an experienced specialist can help even more. Plan N, Plan F and Plan G are the most popular throughout the country options.

Can I Use My Illinois Medicare Supplement Plan in Other States?

One of the most significant advantages to signing up a Medicare Supplement plan is the freedom to see any doctor in the nation accepting Medicare as payment. You don’t have to worry about referrals, and most plans don’t require you to stay within a network. Some states offer higher quality resources for Medicare participants than others, and Medigap plans allow you to seek the best care regardless of location.

Since Medicare Supplement plan rates vary from one zip code to another, you can expect your premium to change when you move to a new state. Except for Medicare Select policies, there are no networks to worry about, so can expect to maintain the same policy and quickly switch your care to doctors convenient to your new home.

How Do I Apply for a Medicare Supplement Plan in Illinois?

Whether you’re interested in Plan F or another type of Medigap plan, the first step is to request a quote online. Our comparison tool will help you identify the most affordable Medicare Supplement plans in Illinois.

If you’re still confused or have questions, feel free to give us a call. We will connect you with a Medicare Specialist who will take the time to explain the various Medicare Supplement plans available to you. We can even help you sign up right over the phone.

Illinois Medicare Resources