In Springfield, Illinois, 173,882 people have a Medicare plan. Just over 25% of those people use a Medicare Advantage plan, which is well under the national average of 42.12%. We want to help as many people as possible save money, so let’s look at some supplemental plans offered within Springfield, Illinois.
Medicare Plans in Springfield, Illinois
Beneficiaries receive many things from an Illinois supplemental Medicare or Medigap plan, which covers extra costs incurred from treatment that Part A and B may not cover. We will look at the quotes below for a 70-year-old male in Springfield, Illinois.
Medicare Advantage plans
In Springfield, 44,114 people have enrolled in an Illinois Medicare Advantage plan. These beneficiaries have 30 different plans to choose from in Sangamon County.
Blue Cross Blue Shield of Illinois is an HMO plan and has a premium of $0. This plan has the lowest maximum out-of-pocket cost (MOOP) of $4,900, with a 3-star rating.
Cigna also has a 3-star rating from Medicare and a $0 premium. Its MOOP is a bit higher at $5,300. This plan is a Local PPO.
Humana is a Regional PPO and is one of the top 5 most popular plans. It has a higher MOOP of $5,500 compared to other plans. This plan has a 4-star rating.
The average cost of Medicare Advantage plans in Springfield, Illinois
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Cigna | $0 | $5,300 | LOCAL PPO | 3 |
| Health Alliance | $0 | $6,700 | HMO | 4 |
| Blue Cross Blue Shield of Illinois | $0 | $4,900 | HMO | 3 |
| $0 | $5,900 | LOCAL PPO | 4 | |
| Humana | $0 | $5,500 | REGIONAL PPO | 4 |
Medicare Supplement plans
Medigap plans are the same nationwide; the benefits remain consistent everywhere, while premiums vary by area. These plans cover the excess expenses incurred that Original Medicare in Illinois won’t cover.
If you were eligible for Plan F before 2020, you still are today. Plan F provides the most benefits, covering your excess expenses and up to 80% of foreign travel expenses. Premiums for this plan are between $136.73 and $417.25.
Plan G is the best alternative if you don’t qualify for Plan F. It has lower premiums, from $111.47 to $394.06, and covers all of the same things as Plan F, except for your excess Part B costs. If you’re okay with the cost, this plan does come with higher copays.
High Deductible Plan G (HDG) is an excellent alternative to regular Plan G. It has lower premiums, ranging from $44 to $87.29. Plan HDG has a higher deductible than Plan G but provides all the same benefits.
The average cost of Medicare Supplement plans in Springfield, Illinois
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $99.00 | $406.14 |
| PLAN B | $133.20 | $368.31 |
| PLAN C | $141.85 | $415.75 |
| PLAN D | $121.74 | $358.61 |
| PLAN F | $136.73 | $417.25 |
| PLAN HDF | $39.60 | $82.85 |
| PLAN G | $111.47 | $394.06 |
| PLAN HDG | $44.00 | $87.29 |
| PLAN K | $59.42 | $154.37 |
| PLAN L | $74.83 | $241.20 |
| PLAN M | $82.98 | $283.34 |
| PLAN N | $90.17 | $374.94 |
Medicare Part D prescription drug plans
When your prescriptions cost too much, you can look for an Illinois Part D plan to help with those expenses. These plans have different lists and tiers of what is available, so consider each program carefully. Medigap plans don’t cover prescriptions, and only some Medicare plans do.
One of the cheaper plans in the area is Wellcare, with a premium of $11.70. The yearly deductible is $480 for Wellcare. Medicare has rated this plan three stars.
Blue Cross Blue Shield of Illinois is another Part D plan in the area. It has a much higher premium of $20.20 and the same $480 deductible. This plan has a much higher 4-star rating.
Humana has the highest premium in the area, costing $22.70. It has the same $480 deductible as the others. Like BCBS, it has a 4-star rating from Medicare.
The average cost of Medicare Part D plans in Springfield, Illinois
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.90 | $480 | 3 |
| Wellcare | $11.70 | $480 | 3 |
| Clear Spring | $17.70 | $480 | 2 |
| Blue Cross Blue Shield of Illinois | $20.20 | $480 | 4 |
| Humana | $22.70 | $480 | 4 |
Special Needs plans
Medicare Special Needs Plans are a small portion of Medicare Advantage Plans. These plans help cover costs for people who have particular disabilities or challenges. They aren’t available in all areas but help those who enroll.
offers the only plan available in the area. This plan is a Local PPO and is only eligible for those with select disabilities or chronic conditions. It has a monthly premium of $26.70 and a maximum out-of-pocket cost of $7,550.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| $26.70 | $7,550 | LOCAL PPO | Chronic or Disabling |
How to sign up for Medicare plans in Springfield, Illinois
At Medigap, our services are free, and we work with all carriers to find the best plan for your budget.
If you need help selecting a plan, our licensed insurance agents can compare them to find the best one. Our agents can also answer any Medicare-related questions you may have.
So when you’re ready, call us today. Or fill out our online rate form to connect with the best rates in Springfield, Illinois!
