Best Medicare Supplement Plans in Illinois for 2019

Are you curious if there is a best Medicare Supplement plan in Illinois for 2019? If you’re enrolled in Medicare Part A and B, then you already have some coverage to help you pay for doctor’s visits, hospital stays and other aspects of your healthcare. You may also have prescription drug coverage, such as a Medicare Part D drug plans, to further help you save on healthcare expenses. If you’d like to do what you can to save even more while guaranteeing that you have access to proper health care services, there is even more that you can do. You can find Medicare Supplement plans in Illinois that might help you even more if you are willing to compare 2019 rates and benefits to find the best plan and the best Medicare insurance company for you.

Best Medicare Supplement Plans in Illinois for 2019

A lot of seniors don’t even realize that they have a lot of options for getting help with their healthcare. Many people just sign up for Medicare and assume that the help that Medicare provides is all of the help that they can get. You can sign up for one of the Medicare Supplement plans in Illinois through an insurance company and have additional coverage on top of the benefits of being enrolled in Medicare Part A and Part B, though.

The coverage that you will be able to enjoy through one of the Medigap plans in Illinois for 2019 is going to depend on the plan that you choose. If you compare rates for premiums, Medicare coverage that is offered under each plan and more, then you can choose the best Medicare Supplement plan in Illinois for you. Once you research plans and rates and make your choice, you can typically enjoy help with these things and more:

  • Skilled Nursing Facility
  • Home Health Care Services
  • Medicare Part A and Part B deductibles
  • Original Medicare’s coinsurances
  • Part B Excess Charges
  • Foreign Travel
  • Copayments and Medicare Part B Deductible

Original Medicare does not provide coverage for prescription drugs, so a Medicare Supplement coverage with not either.  You will need to purchase a stand-alone Medicare Prescription Drug plan if you do not have access to other coverage.

Best Medicare Supplement Plans in Illinois: Enrollment Statistics

To reduce out-of-pocket health care costs and enjoy more reliable healthcare, many seniors choose to compare rates and sign up for the best health plan that they can find for the monthly premium. Then, they can enjoy more than just the Medicare benefits that are provided by Original Medicare for 2019. There are many seniors in Illinois who have decided that they want help with paying for preventive care and general healthcare by signing up for one of the Medigap plans in Illinois.

Seniors who live all over the state of Illinois sign up for these plans. For example, there are a lot of people enrolled in one of these supplemental health insurance plans from these top five counties in Illinois:

  • Cook County
  • DuPage County
  • Piatt County
  • St. Clair County
  • McHenry County

If you do not live in one of these top five counties, though, you do not have to worry. You can look for and sign up for the best Medicare Supplement plans in Illinois from anywhere in the state. In fact, Medicare Supplement insurance plans for 2019 are also available for people who live elsewhere in the United States, too.

You will be far from the first or only one to sign up for the best Medicare Supplement plan in Illinois that you can find. These are some stats that you might find interesting about Medicare enrollment and enrollment in Medicare Supplement insurance plans in Illinois:

  • Illinois is the home to more than 1.5 million beneficiaries of Medicare Part A, Medicare Part B or both.
  • More than 690,000 of the Medicare beneficiaries in Pennsylvania are also the beneficiary of a Medigap plan.
  • In Illinois, as well as in most states across the country, Plan F is the most popular Medigap plan among seniors who are enrolled in Medicare. In fact, over 494,000 of the Medigap beneficiaries in Illinois have chosen Plan F.

How Many Medicare Supplement Plans are Available in Illinois for 2019?

There are a few different Medigap plans in Illinois that you can choose from. Medicare Plan F is the most popular choice. A lot of people feel that Medicare Part F is the best Medicare Supplement plan in Illinois. There are other plans that you can choose from, though. For example, you might want to look into Medicare Plan G, Medicare Plan N and a few other plans. Rates and coverage vary from plan to plan, so it’s definitely smart to look into all 10 options so that you can pick which one is right for you.

Compare the Best Medicare Supplement Plans in Illinois for 2019?

Illinois Medigap policy levels conform to the standard plan levels that have been outlined by Medicare. These are named with letters from Plan A through Plan N. Typically, Plan A and B are considered basic, Plan C is considered more complete, and Plan K, Plan L, and Plan N offer lower prices and require more out-of-pocket cost-sharing. If you have concerns that your doctor might want to charge more than Medicare allows, Plan FPlan G, and high deductible plan F cover these excess charges.

It is important to remember that Medicare Supplement plans and Medicare Advantage plans are not the same things.  Medicare Advantage plans are considered replacement plans to Original Medicare and usually have network restrictions according to their plan designs such as HMO, PPO or PFFS.  If you are unsure about the options available to you, one of our licensed Medicare agents would be glad to walk you through the education process.

Top Companies Offering Medicare Supplement Plans in Illinois for 2019.

Finding the best Medicare Supplement rates in Illinois for 2019 will depend upon the plan level, the insurance company, and in some cases, other consideration. You might want to make a comparison of the Medigap premiums from these quality Medicare Supplement insurance plan companies specifically for Plan F and Plan G:

  • Aetna
  • American Continental Life Insurance Company
  • Banker Fidelity Life Insurance Company
  • Blue Cross Blue Shield of Illinois
  • Cigna
  • Colonial Penn Life Insurance Company
  • Gerber
  • Globe Life and Accident Insurance
  • Humana
  • Mutual of Omaha
  • Physicians Mutual Insurance Company
  • Secure Horizons

Medicare Supplement Plans in Illinois for 2019: When Can I Enroll?

After learning more about Medicare Supplement insurance plans in Illinois and comparing your options, you might be excited about signing up for the best Medigap Plan available. After all, enjoying the stability of Medicare without having to give it up — which is what you would have to do if you signed up for a Medicare Advantage plan, for example — while still saving more money and enjoying more medical coverage is certainly something to be excited about.

Of course, you could be curious about when you can sign up for Medicare Supplement insurance plans in Illinois. The answer to this is that you can sign up at any time during 2019. However, you might not want to.

The best time to sign up for Medigap policies is during the Medigap Open Enrollment Period. This Initial Enrollment Period is a six-month period that begins on the first day that your Medicare Part B coverage becomes active. During that period, you can sign up without worrying about the insurance company that you choose turning you down for health conditions or charging you higher rates because you have health conditions. If possible, try to avoid missing this six-month period so that you can have more options and enjoy a lower rate.

Illinois Medicare Resources

There are lots of resources that you can use to do more research about Medigap policies. If you’re an individual with special needs be it financial or health condition related, it’s a good idea to contact your state’s Medicaid office as there are programs available that can provide extra help in these circumstances.   These links can help you get started: