There are 80,374 Medicare beneficiaries in Naperville, Illinois, enrolled in either an Original Medicare plan or a Medicare Advantage plan. Original Medicare enrollment is 48,702 (60.59%) versus 31,672 (39.41%) in the Medicare Advantage plan. We’ll explore the Supplemental Medicare Plans available.
Medicare plans in Naperville, Illinois
Beneficiaries can enroll in either a Medigap plan to supplement Original Medicare in Illinois or a Medicare Advantage plan for Medicare Part A and Part B. Enrolling in a supplemental Medicare plan can help with additional costs not covered by Original Medicare.
In Naperville, enrollees in Illinois Medicare Advantage are 53.86% female and 46.14% male, with an average age of 71.
Medicare Advantage plans
With 31,672 beneficiaries in Naperville deciding to enroll in a Medicare Advantage plan, it’s a good thing that there are plenty of programs available. The city is in Champaign County, with 23 Medicare Advantage plans available in Naperville.
Clear Spring is an affordable Medicare Advantage plan with a zero-dollar premium and maximum out-of-pocket (MOOP) of $3,000. This program is an HMO that has a three-star rating. WellCare offers a Local PPO plan that’s not rated but has a zero-dollar premium and MOOP of $3,450.
Bright Health’s zero-premium HMO plan is not rated and has a MOOP of $3,400. The Local PPO plan Humana offers requires a $5,550 MOOP and has a zero-dollar premium with a four-star rating.
The average cost of Medicare Advantage plans in Naperville, Illinois
| Plan | Premium | MOOP | Plan Type | Star Rating |
| WellCare | $0 | $3,450 | Local PPO | N/A |
| Bright Health | $0 | $3,400 | HMO | N/A |
| Clear Spring | $0 | $3,000 | HMO | 3 |
| Humana | $0 | $5,550 | Local PPO | 4 |
Medicare Supplement plans
Illinois Medicare Supplement plans help cover the expenses that an Original Medicare beneficiary would otherwise have to pay out of pocket. The government standardizes these plans, and their benefits don’t change regardless of the carrier or the state. The only difference is in the monthly premiums.
Medigap Plan G is a popular plan among Medicare beneficiaries in Naperville, IL, because they don’t have to pay a Part B deductible. This plan includes a monthly premium ranging from $123.54 to $414.30.
Another plan often chosen by Medicare beneficiaries in Naperville is Medigap Plan N. It offers lower monthly premiums, ranging from $92.26 to $394.68. However, you’re responsible for some copays.
Lastly, there’s Medigap High-Deductible Plan G (Plan HDG). Enrollees receive the same benefits as Medigap Plan G but with a deductible. The monthly premium range for this plan is $37.00 to $76.35.
The average cost of Medicare Supplement plans in Naperville, Illinois
| Letter Plan | Lowest Premium | Highest Premium |
| PLAN A | $94.83 | $365.49 |
| PLAN B | $139.21 | $345.25 |
| PLAN C | $155.48 | $437.12 |
| PLAN D | $128.44 | $286.79 |
| PLAN F | $140.21 | $439.37 |
| PLAN HDF | $37.00 | $78.28 |
| PLAN G | $123.54 | $414.30 |
| PLAN HDG | $37.00 | $76.35 |
| PLAN K | $63.83 | $162.25 |
| PLAN L | $80.50 | $245.12 |
| PLAN M | $107.93 | $251.12 |
| PLAN N | $92.26 | $394.68 |
Medicare Part D prescription drug plans
Medigap/Medicare Supplement plans don’t cover expenses for prescription drugs in Illinois, nor do many Medicare Advantage plans. As a result, many people choose to enroll in a Medicare Part D plan. Medicare Part D is a stand-alone plan that covers prescription drugs.
Aetna offers a Part D plan with a premium of $6.90 and a deductible of $480. This Aetna program is a three-star rated plan. WellCare’s three-star rated Part D plan also has a $480 deductible, but the premium is $11.70.
Clear Spring has a two-star rating for its Part D plan, with a monthly premium of $17.70 and a deductible of $480.
Four-star plans include Blue Cross Blue Shield of Illinois, with a $20.20 and $480 deductible, and Humana, with a premium of $22.70 and a low deductible of $310.
The average cost of Medicare Part D plans in Naperville, 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 | $310 | 4 |
Special Needs plans
Special Needs Plans (SNPs) are Medicare Advantage plans available to Medicare beneficiaries with special requirements or needs. These plans can be beneficial for those with chronic disabilities or special needs.
Zing Health offers a zero-dollar premium HMO plan with a MOOP of $3,450 for those with chronic or disabling conditions. Humana’s plan for those conditions is also a zero-dollar premium HMO plan with a $2,600 MOOP.
UnitedHealthcare offers a Chronic or Disabling Conditions Local PPO plan with a $26.70 premium and $7,550 MOOP. Provider Partners’ Institutional HMO plan has a $7,550 MOOP and a premium of $29.10.
The average cost of Medicare Special Needs plans in Naperville, Illinois
| Plan | Premium | MOOP | Plan Type | Eligibility |
| Zing Health | $0 | $3,450 | HMO | Chronic or Disabling |
| Humana | $0 | $2,600 | HMO | Chronic or Disabling |
| UnitedHealthcare | $26.70 | $7,550 | Local PPO | Chronic or Disabling |
| Provider Partners | $29.10 | $7,550 | HMO | Institutional |
How to sign up for Medicare in Naperville
Living in Naperville, Illinois, and having Medicare greatly benefits its citizens. But what if you could pay a low monthly premium and have comprehensive coverage?
A Medicare Supplemental plan can do just that; our licensed insurance agents will assist you expertly. Our agents can answer any questions you have while providing information to help you make an informed decision.
We work with all carriers, and our services are free of charge. So call us today. Or simply fill out our online rate form to receive the best rates in your area.
