Medigap plans in Illinois (Medicare Supplement plans) help people on Medicare to get various medical bills paid that are not normally covered by regular Medicare. For example, Medicare Part B only pays 80% of your doctor’s bills and that’s after a deductible.
With a Medicare supplement plan, you can rest easy knowing the majority of your hospital and medical bills will be paid. How many of those bills depend on the Medigap plan letter that you choose.
Finding the right Medigap plan in Illinois is now easier than ever with our FREE online quote engine. For FREE on this website, you can compare Medigap plans in Illinois and view the rates from top insurance companies for the most popular Medicare Supplement plans.
We make it easy!
The two most popular plans in Illinois are Medigap Plan F and G.
Below are the most popular Medigap plans in Illinois and the benefits they offer.
The 5 Best Medigap Plans in Illinois are:
- Medicare Plan G
- Medicare Plan N
- Medicare Plan F*
- High-Deductible Plan G
- High-deductible Plan F*
*Medicare Plan F is no longer available to people eligible for Medicare on January 1st of 2020 or later
Medigap Plan G in Illinois
People in Illinois who are new to Medicare have the option of enrolling in any Medigap plan except Medicare Supplement Plan F. This is because Medicare Plan F is no longer available for those who were enrolled in Medicare Part A on January 1st, 2020, or later.
Anyone who was enrolled in Plan F prior to this date is allowed to keep it, though there could be significant savings by switching to a Medicare Plan G.
Medicare Supplement Plan G is now the most popular Medigap plan for people new to Medicare, because of its great coverage and lower monthly premiums than Plan F.
Medigap Plan F vs Plan G
Those who are still enrolled in a Medigap Plan F can use our FREE online quote engine to see how much they can save by switching to Medicare Plan G. Just enter your zip code at the top of this page to view the rates from the top insurance companies.
The only difference between the two plans is on Plan G you pay the annual Medicare Part B deductible yourself. Whereas, with Plan F the plan pays it for you.
In almost every case the difference in monthly premiums from Plan F to Plan G is far greater than this deductible, meaning you can save money with Plan G.
Save Money on Medigap Plan G in Illinois
The extra premiums for Medicare Plan F are often far higher than the deductible itself, so in almost all cases you can save money with Medicare Plan G in Illinois.
Medicare Supplement Plan G pays for 100% of the gaps in Medicare except for the Medicare Part B annual deductible. In 2022 this deductible was $2022 and should be close to this in 2023.
Medigap Plan G Rates in Illinois for 2023
In Illinois Medigap Plan G monthly premiums average from as low as $85 to well over $325 per month depending on various factors.
These rates are determined by several factors, such as:
- Tobacco use
- Zip code
- Household discounts (if applicable, vary by company)
Medigap Plan N in Illinois
In today’s economy, every dollar counts. That’s one reason Medigap Plan N is also very popular in Illinois. It has lower premiums each month than Plan G, and almost as good of coverage.
In exchange for lower monthly premiums, you might have to pay some small out-of-pocket costs that you do not have to pay with Plan G.
Medigap Plan N is very similar to Plan G in which you pay the Medicare Part B deductible each year. On Plan N, after that:
- Up to a $20 co-pay for doctor’s visits (telehealth visits don’t apply)
- A $50 co-pay if you visit the emergency room and you’re not admitted (Urgent care visits don’t apply)
- Part B excess charges not covered – Very Rare
Medigap Plan N Rates in Illinois
Using our FREE quote engine by clicking the orange button below, you can check the rates and compare the cost between Medigap Plan G and N to see how much you can save.
Medigap Plans in Illinois 2023
Illinois Medigap plans in 2023 are not changing in benefits or plan letters. The premiums for 2023 may be different with several companies than what you are paying now if you currently have a supplement.
If you’ve been with the same Medigap insurance company in Illinois for 2 years there is a very good chance you are overpaying. In just a few simple steps you can see how much you can save by using our quote engine, or by calling us today at 1-888-891-0229.
Best Medigap Plans in IL
When it comes down to it, the “best” Medicare supplement plan is the one that you’re comfortable with in terms of benefits and monthly premium.
Medigap Plan G – One low deductible, then 100% coverage. Higher premiums than Plan N
Medigap Plan N – Lower monthly premiums, small out-of-pocket costs such as co-pays, and possibly Medicare Part B excess charges (rare though)
The difference in monthly premiums between Medigap Plan N and G in Illinois can often be up to $30 per month!
If you are relatively healthy and don’t visit your doctor often, but still want great coverage, Medicare Plan N is a great option.
By using our website you can check the cost between Plan G and Plan N in your area to see how much you can save.
Companies Offering Medigap Plans in Illinois
There are several companies in Illinois offering Medigap plans. The most important thing to keep in mind is that they all offer the same plans, with the exact same benefits. Their monthly rates for these plans are all different though.
We make it easy as we shop for all the top companies to make sure you’re not overpaying on your Medicare supplement insurance, and we do this every year for our clients for FREE.
Top Medigap companies in Illinois are:
- Mutual of Omaha
- United Healthcare
How to Enroll
The easiest way to enroll in a Medigap plan in Illinois is to just give us a call at 1-888-891-0229. Our experienced, licensed agents can answer all of your questions and find you the best Medigap plan and company, for the lowest cost.
We’ll help you every year to make sure you’re in the right spot with all of your Medicare Coverage. Or click below to get started.