Medicare Supplement Plans Illinois 2025 – Plans & Rates

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Russell Noga
by Russell Noga | Updated April 4th, 2024

Choosing the right Medicare Supplement plans in Illinois for 2025 means wading through a lot of information. Our article simplifies this task and zeroes in on the top Medicare Supplement Plans Illinois 2025, covering costs, coverage differences, and provider comparisons to inform your decision-making process.


Key Takeaways


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Overview of Medicare Supplement Plans in Illinois for 2025


Overview of Medicare Supplement Plans in Illinois for 2025


Medigap plans in Illinois play an instrumental role in healthcare coverage by filling the gaps left by Original Medicare. These plans cover:

  • The 20% of medical expenses that Medicare does not pay for
  • Deductibles
  • Copays
  • Coinsurance

This extra layer of protection provides peace of mind for Illinois’s Medicare beneficiaries, offering a range of Medicare coverage options tailored to individual healthcare needs and financial circumstances.


Traditional Medicare Supplement Plans

Providers such as Colonial Penn offer a diverse range of standardized Medigap plans in Illinois. These include plans K, L, and D, providing all ten standardized Medigap plans available. In some instances, policyholders can enjoy lower premiums by opting for plans that necessitate the use of specific provider networks.

This flexibility caters to the varied needs and preferences of Illinois residents, ensuring everyone has access to a Medigap plan that aligns with their healthcare needs and budget constraints.


Top Medicare Supplement Plans in Illinois for 2025


Top Medicare Supplement Plans in Illinois for 2025


Selecting a Medigap plan in Illinois requires careful consideration of both the coverage and the provider. One standout provider is AARP/UnitedHealthcare, known for its highly-rated Medicare Supplement Plan G. This plan is lauded for its customer service and affordability, marking it as a top choice for Illinois residents.

Alternatively, Aetna presents Plan N as a cost-conscious choice. The benefits provided under Medicare Supplement plans are consistent across insurers for comparable plan types.

Colonial Penn, in particular, distinguishes itself by offering all ten types of Medigap plans, including:

  • Plan A
  • Plan B
  • Plan C
  • Plan D
  • Plan F
  • Plan G
  • Plan K
  • Plan L
  • Plan M
  • Plan N

Ultimately, the choice of plan hinges on an individual’s unique healthcare needs and preferences.


Medicare Plan G 2025

Medigap Plan G has been a popular choice among new Medicare enrollees in Illinois, offering similar coverage to Plan F, minus the Part B deductible. The plan covers 20% of what Medicare does not, including deductibles, copays, and coinsurance. These benefits are standardized across any company that sells it.

The most recent addition to the Medicare landscape in Illinois is Medigap Plan G PLUS, offered by Blue Cross Blue Shield of Illinois. This plan includes dental, vision, and hearing benefits. Plan G’s core coverage remains consistent regardless of the insurance provider, but companies may offer additional ancillary benefits.


Medicare Plan N 2025

Medicare Plan N stands as a cost-effective alternative to Plan G in Illinois. With an average monthly premium of $85 for a 65-year-old non-smoking female, it provides considerable cost savings compared to other providers.


Medicare Plan F 2025

Medicare Plan F offers comprehensive coverage but is only available to those who were eligible for Medicare before January 1, 2020. With average monthly premiums of $171, Plan F provides a broad range of coverage, making it a preferable option for those seeking extensive benefits.


High Deductible Medicare Supplement Plans

High-deductible Medigap plans, such as Plans F, G, and J, offer lower monthly premiums but come with higher annual deductibles. For instance, the annual deductible for high deductible plans in 2025 is projected to be around $2,800. Once this deductible is met, most coverage begins, offering beneficiaries substantial savings on their health expenses.

However, these high-deductible plans come with their restrictions. For instance, the high-deductible version of Plan F is only available to those who were eligible for Medicare before January 1, 2020. Meanwhile, Plan J, with a high deductible option, was available before June 1, 2010, but is no longer sold.


Comparing Costs and Coverage of Top Illinois Medicare Supplement Plans


Comparing Costs and Coverage of Top Illinois Medicare Supplement Plans


Gaining a clear understanding of the costs and coverage of the varied Medigap plans in Illinois is key to making an informed decision. For example, the average cost of a Medigap Plan G policy may be considered moderate, while the same plan offered by AARP/UnitedHealthcare is known to be more affordable. Conversely, Aetna’s Plan N is recognized as a cost-effective alternative, providing a more economical option for the same demographic.

It’s also worth noting that Colonial Penn is the only provider in Illinois to offer the complete range of 10 Medigap plans, catering to diverse coverage needs.


Monthly Premiums

When evaluating Medigap plans, comprehending the factors that can sway monthly premiums is critical. These factors can include:

  • Coverage level
  • Age
  • Health status
  • Tobacco use

For example, Plan G, offered by AARP/UnitedHealthcare, is known for its lower monthly premium, which is more affordable for a 65-year-old non-smoking woman compared to the state average for Plan G.

Meanwhile, Aetna’s Plan N is recognized for its cost-effectiveness, offering a monthly premium that is significantly less than the state average for Plan N premiums.


Annual Deductibles

Annual deductible amounts play a significant role in high-deductible Medigap plans. For instance, the annual deductible for high deductible plans such as Plans F, G, and J is projected to be around $2,800 for 2025. Once this deductible is met in a high-deductible Plan G, most coverage begins.

These plans, while providing lower monthly premiums, require beneficiaries to pay a significant amount in annual out-of-pocket expenses before their medical insurance policy covers any benefits.


Out-of-Pocket Expenses

When evaluating Medicare Advantage Plans, beneficiaries should consider deductibles, coinsurance, and copays, as these cost-sharing elements significantly affect their overall out-of-pocket expenses. For instance, Plan N requires beneficiaries to pay a copay of $20 for doctor’s visits and $50 for emergency room visits. These out-of-pocket expenses should be compared alongside monthly premiums to estimate total annual healthcare spending.



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Navigating the Health Insurance Marketplace in Illinois

Navigating the Illinois health Insurance Marketplace can be challenging, especially for those new to Medicare. Thankfully, the Illinois State Health Insurance Assistance Program (SHIP) provides free counseling to Illinois residents.

This service helps beneficiaries navigate the various Medicare plans, ensuring they make the most informed decision possible.


Annual Enrollment Period

The Medicare Annual Enrollment Period is an essential window for beneficiaries in Illinois to review and adjust their Medicare Advantage and Part D drug plans. Running from October 15 through December 7, 2023, this period allows beneficiaries to make changes to their Medicare coverage. Whether it’s switching from Original Medicare to a Medicare Advantage Plan or vice versa, changing Medicare Advantage Plans, or joining a Medicare Prescription Drug Plan, the open enrollment period provides ample opportunity to ensure your coverage meets your healthcare needs.

Remember, you have the flexibility to switch Medicare Supplement plans at any point during the year; however, it’s worth noting that in most states, this process involves a health questionnaire and underwriting. As long as your health is in good standing, transitioning to a new plan should be a smooth process.


Special Enrollment Period

Life is unpredictable, and sometimes major life changes can affect your healthcare needs. In such instances, a Special Enrollment Period allows individuals to enroll in a new health plan outside of the regular open enrollment due to certain life-changing events, such as:

  • moving
  • losing existing health coverage
  • marriage
  • the birth of a child


Illinois Birthday Rule

In Illinois, the Medicare Supplement birthday rule provides a unique enrollment opportunity for beneficiaries aged 65 to 75. This rule allows them to switch to a new Medigap plan with the same or lesser benefits from their current carrier, ensuring they don’t miss out on the chance to optimize their healthcare coverage. The open enrollment window for this opportunity begins on the beneficiary’s birthday and remains open for 45 days, allowing ample time to make a well-considered decision.


Eligibility Requirements

To be eligible for Medicare in Illinois, individuals must be 65 or older. They must also be U.S. citizens or legal residents who have lived in the U.S. for at least five consecutive years. However, Illinois residents under the age of 65 may qualify for Medicare if they have a disability, End-Stage Renal Disease, or Amyotrophic Lateral Sclerosis (ALS).


Financial Assistance for Low-Income Beneficiaries


Financial Assistance for Low-Income Beneficiaries


Financial assistance is available to help low-income Medicare beneficiaries in Illinois manage their healthcare costs. The Low-Income Subsidy (LIS) program is designed to help eligible low-income individuals with Medicare prescription drug plan costs. Beneficiaries who qualify for the LIS program may receive assistance with premiums, annual deductibles, and copayments related to their Medicare prescription drug plan.


Low-Income Subsidy (LIS)

The Low-Income Subsidy (LIS) program, also known as Extra Help, assists Illinois Medicare beneficiaries with out-of-pocket costs associated with Medicare prescription drug coverage (Part D). To qualify for Extra Help with prescription drug costs in 2024, an individual’s monthly income must not exceed $1,903, or $2,575 for couples, considering asset limits and a $20 income disregard.

Those who qualify for Medicaid, Supplemental Security Income (SSI), or a Medicare Savings Program (MSP) are automatically eligible for Extra Help.


Medicaid Services

Medicaid Services in Illinois provide additional health coverage to low-income individuals and can cover services not fully covered by Medicare, such as long-term care. Eligibility for Medicaid Services in Illinois is determined by income level, and those eligible for Medicaid often qualify for LIS as well.


Other State-Specific Programs

In addition to Medicaid and the LIS program, Illinois offers other state-specific programs to help Medicare beneficiaries manage their healthcare costs. These include:

  • Qualified Medicare Beneficiary (QMB) program: Helps pay for Parts A and B cost-sharing
  • Specified Low-Income Medicare Beneficiary (SLMB) program: Helps pay for Part B premiums
  • Qualified Individuals (QI) program: Helps pay for Part B premiums

These programs can also help pay for Part A premiums in some cases.


Impact of the Inflation Reduction Act on Medicare Supplement Plans

The Inflation Reduction Act has significantly impacted Medicare Supplement plans, particularly prescription drug coverage and cost-sharing adjustments. The Act is designed to provide financial relief for Medicare beneficiaries by improving access to affordable treatments and strengthening Medicare.


Prescription Drug Coverage Changes

One of the most notable changes brought about by the Inflation Reduction Act is:

  • The introduction of an annual out-of-pocket cap on prescription drug costs, set at $2,000 for 2025
  • A $35 monthly cap on insulin costs
  • The elimination of cost-sharing for vaccines under Medicare Part D

These provisions aim to make prescription drugs more affordable for beneficiaries.


Cost-Sharing Adjustments

In addition to changes in prescription drug coverage, the Inflation Reduction Act also introduces several cost-sharing adjustments. Some of these adjustments include:

  • Setting a hard cap on out-of-pocket spending for Medicare Part D enrollees at $2,000 for 2025
  • Allowing Part D enrollees to spread out-of-pocket costs over the year
  • Limiting insulin cost sharing to $35 per month for Medicare beneficiaries
  • Eliminating the deductible for high deductible versions of Medicare Supplement Plans F, G, and J

These changes aim to make healthcare more affordable and accessible for Medicare beneficiaries.


Tips for Choosing the Right Medicare Supplement Plan in Illinois


Tips for Choosing the Right Medicare Supplement Plan in Illinois


Choosing the right Medicare Supplement plan is not a one-size-fits-all process. It requires careful consideration of personal healthcare needs, comparison of plans and providers, and understanding of future healthcare expenses.

Here are some tips to help Illinois residents navigate decisions involving the federal government.


Assessing Personal Healthcare Needs

Assessing personal healthcare needs is a vital step in selecting a Medigap plan. This includes understanding your current health status, anticipated healthcare services, and how they align with the policy’s stipulations. It’s advisable to make an informed and deliberate choice, as there might be restricted opportunities to switch Medigap policies in the future.


Comparing Plans and Providers

Once you’ve assessed your healthcare needs, the next step is to compare different Medigap plans and providers. Evaluating a provider’s customer satisfaction record and complaint history is pivotal to ensuring a quality service and claims processing experience.

Remember, the choice of plan hinges on an individual’s unique healthcare needs and preferences, so it’s important to weigh the pros and cons of pricing, customer service quality, and overall satisfaction.


Considering Future Healthcare Expenses

Finally, when planning for future healthcare expenses, consider that premium amounts for Medicare Supplement plans typically increase each year. Hence, it’s important to weigh monthly savings against potentially large initial expenses, particularly when considering high-deductible plans.

By doing so, you can ensure you choose a plan that not only meets your current healthcare needs but also remains affordable in the long run.



Navigating the landscape of Medicare Supplement Plans in Illinois can be complex, but with the right knowledge and resources, you can select a plan that meets your individual healthcare needs and budget. Whether you’re considering a traditional Medicare Supplement Plan, a high-deductible plan, or one with extra benefits, remember to assess your personal healthcare needs, compare plans and providers, and consider future healthcare expenses.

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Frequently Asked Questions

What benefits does Medicare Supplement Plan G provide?

Medicare Supplement Plan G covers the gaps in Original Medicare, including Part A and Part B coinsurance, copayments, and excess charges. It also offers coverage for foreign travel emergencies and the first three pints of blood for medical procedures.


  Are Medicare Supplement plans being phased out?

As of January 1, 2020, Medicare Supplement Plan F is no longer available to new beneficiaries. Those who already have Plan F are permitted to retain their coverage, but new Medicare enrollees from that date forward cannot select this plan.


  What is the best supplemental insurance for Medicare in Illinois?

The top Medicare supplement companies in Illinois offer a range of coverage options to supplement your Medicare benefits. Consider researching these companies to find the best supplemental insurance for your needs.


  Can I change my Medicare Supplement plan at any time?

Yes, in most cases, you can change your Medicare Supplement (Medigap) plan at any time throughout the year. However, it’s important to note that outside of your initial enrollment period or special circumstances, you may be subject to medical underwriting. This means that your health status could affect your eligibility or the cost of your new plan. If you are in good health, changing plans should be relatively straightforward. Always compare the benefits and costs of new plans against your current coverage to ensure the best fit for your healthcare needs.


  What are the dates for the Annual Enrollment Period for Medicare Advantage and Part D drug plans in Illinois for 2023?

The Annual Enrollment Period for Medicare Advantage and Part D drug plans in Illinois for 2023 is from October 15th to December 7th.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about Medicare Supplement Plans Illinois in 2025, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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