Medicare Supplement Plans in Illinois

Pamela Cannaday by Pamela Cannaday | Licensed since 2011
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This article was updated on: 10/12/2018

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Medicare Supplement plans in Illinois are sold by private insurance companies. Although they are not part of the federal Medicare program, Medicare Supplement plans in Illinois can help to pay some of your out-of-pocket costs if you have Medicare Part A (hospital insurance) and Medicare Part B (medical) insurance.

Medicare Supplement plans in Illinois, as elsewhere in the United States, are designed to work alongside Medicare to fill in some of the “gaps” in Medicare coverage—such as deductibles, coinsurance, and copayments. For this reason, Medicare Supplement insurance is often referred to as “Medigap” insurance.

You can buy one of 10 standardized Medicare Supplement plans in Illinois, if the plan you want is available in your area. Each plan is labeled with a letter of the alphabet that corresponds to a set package of basic benefits. All Medicare Supplement plans in Illinois generally must cover certain basic benefits, such as:

  • Medicare Part B coinsurance for medical services (usually 20% after you have paid your Part B deductible)
  • Extended stays in the hospital as an inpatient. Medicare Supplement plans in Illinois generally cover hospital costs for another year (365 days) after your Medicare hospital benefits are depleted.

Some Medicare Supplement plans in Illinois provide more coverage than the benefits listed above. For example, some plans may cover:

  • Limited emergency medical treatment abroad
  • The Part A and/or Part B deductible
  • Skilled nursing facility coinsurance

As a general rule, the more coverage you get from a Medicare Supplement plan in Illinois, the higher your premium. However, if you have frequent hospitalizations or specialist visits, the premium cost may be much lower than the out-of-pocket medical costs you’d face if you didn’t have a Medicare Supplement plan.

Note that even the same Medicare Supplement plan in Illinois can have a different cost depending on which insurance company is selling it. Medicare Supplement plans work the same way nationwide.

How do I compare Medicare Supplement plans in Illinois?

Each lettered Medicare Supplement plan in Illinois must offer the same set of basic benefits regardless which insurance company is selling it. However, insurance companies may charge widely different premiums. Therefore it’s a good idea to shop and compare Medicare Supplement plans in Illinois.

You may want to start by reviewing the Medicare Supplement Insurance benefit plans chart. Decide on the lettered Medicare Supplement plan with benefits that best meet your health coverage needs. Next, compare Medicare Supplement plans in Illinois by typing your ZIP code into the field on this page and pressing the Find Plan button. Then you can see which insurance companies sell the Medicare Supplement plan that you want, the premium each insurance company charges, and insurance company contact information.

When can I purchase Medicare Supplement plans in Illinois?

If you’re age 65 or older and buy a Medicare Supplement plan within six months of enrolling in Medicare Part B, generally you get certain protections under federal law.

During your Medicare Supplement Open Enrollment Period (OEP), a Medicare Supplement insurer cannot turn you down or charge you a higher premium because of health problems (pre-existing conditions). Your OEP is the six-month period that starts the month you’re 65 or older and enrolled in Part B. During your OEP, you have a “guaranteed-issue right” to buy a Medicare Supplement plan in Illinois.

In addition, the Medicare Supplement plan you buy is typically renewable each year, as long as you continue to pay your Medicare Supplement plan premium and didn’t lie on your application.

You may be able to buy a Medicare Supplement plan in Illinois at other times with guaranteed-issue rights – for instance, if you lose employer health coverage or retiree benefits. You may be able to buy a Medicare Supplement plan in Illinois if you’re under age 65 and have Medicare because of a disability. Check with the Illinois Department of Insurance or your (SHIP) to learn more.

What else should I know about Medicare Supplement plans in Illinois?

Here are few other important points to keep in mind if you are considering buying a Medicare Supplement Insurance plan include:

  • You must have Medicare Part A and Part B to buy a Medicare Supplement plan in Illinois (or any state). You can’t buy a Medicare Supplement plan if you are enrolled in a Medicare Advantage plan.
  • Your Medicare Supplement plan will not pay your Part B premium.
  • A Medicare Supplement plan covers only one individual. Married couples who want Medicare Supplement plan coverage must apply for coverage separately.
  • Medicare Supplement plans sold after January 1, 2006 don’t include prescription drug coverage. If you want prescription drug coverage, you can enroll in a stand-alone Medicare Part D Prescription Drug Plan offered by private insurance companies approved by Medicare.

If you would like help evaluating Medicare Supplement plans in Illinois, please feel free to contact me. You can use one of the links below to set up a phone call with me or request personalized information from me by email. You can compare plans on your own right away by clicking Find Plans or Compare Plans on this page.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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