Overall, we found that UnitedHealthcare has the best Medicare Supplement plans in the state of Illinois with rates that are 11% below average for the most popular plan in the nation (Plan G). However, you should also look into State Farm and Cigna as well for affordable plans since pricing differs widely by policy letter.
Best Medicare Supplement Plans in Illinois
Updated: May 28, 2025
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Key Takeaways
UnitedHealthcare offers the best and cheapest Medicare Supplement plans for the most popular policy in the state, Plan G, for $124 per month.
Medicare Supplement plans in Illinois can cost anywhere from $67 to $195 per month on average, depending on your policy selection.
To find the plan you need, check plan availability, restrictions and benefits, and compare quotes from multiple companies.
Who Are the Best Cheap Medicare Supplement Plan Companies in Illinois?
| UnitedHealthcare | $124 | $1,490 |
| State Farm | $137 | $1,649 |
| Cigna | $156 | $1,876 |
*Pricing shown is for Medicare Supplement Plan G for 65-year-olds.
Compare Personalized Best Cheap Medicare Supplement Companies in Illinois
We’ve highlighted top companies for popular plans nationwide, but your needs may differ. Use the table below to find the best and affordable company for you.
Data filtered by:Results filtered by:
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plan Letter:A
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Age:65
| Cigna | $174 | $2,089 |
| State Farm | $96 | $1,147 |
| UnitedHealthcare | $97 | $1,162 |
Illinois Medicare Supplement Plan Cost
The typical Medicare Supplement plan, Plan G, costs around $139 monthly or $1,672 per year on average in the Prairie State. However, your rates can vary widely being anywhere from $67 to $195 monthly depending on the provider and plan you select.
| A | $122 | $178 |
| B | $141 | $255 |
| C | $195 | $322 |
| D | $137 | $219 |
| F | $148 | $244 |
| G | $139 | $214 |
| K | $67 | $121 |
| L | $101 | $181 |
| N | $116 | $179 |
Illinois Medicare Supplement Coverage Guide
With many plan options to choose from and many considerations to be made, it can be especially hard to decide what Medicare Supplement policy is best and which company to choose. So we've created a comprehensive guide detailing what coverage are available, how to choose which plan you need, and how to get the best cheap company for you.
Illinois Medicare Supplement Plan Comparison Chart
All Medicare Supplement plans, regardless of your state have standardized coverages. Below we've summarized what each plan letter for Medicare Supplement, or Medigap, covers.
plan Letter | Co-Insurance and Copayment Coverage | Deductibles and Other Coverages |
|---|---|---|
A |
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B |
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C |
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D |
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F |
|
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G |
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K |
|
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L |
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M |
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N |
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How to Decide Which Medicare Supplement Plan You Need
Deciding on a Medicare Supplement plan involves considering your eligibility, financial situation, age, health, and lifestyle. These factors guide your choice. Below, we outline how to consider them.
Eligibility
New enrollees can select any plan except C or F. Those eligible for Medicare before 2020 can choose from all 10 available plans.
Age, condition and lifestyle
Determine your coverage needs based on age, pre-existing conditions, and lifestyle. Assess how often you'll use different coverage items and seek advice from a medical professional and a Medigap or Medicare Supplement specialist.
Financial status
Your ability to afford coverage is crucial, regardless of risk factors and coverage needs. Identify plans that match your risk profile and are within your budget.
How to Find the Best Illinois Medicare Supplement Company
Once you've decided what plan is right for you, it is time to compare companies. Below we have detailed the key things to look for in a Medicare Supplement provider in Illinois: Consider customer service quality, plan options, and pricing. Ensure the provider meets your specific needs and fills any coverage gaps.
- 1
Evaluate Customer Satisfaction and Complaints
The insurance industry often faces many complaints. Checking customer satisfaction ratings can help you choose a reliable provider. Resources like J.D. Power and the NAIC are great tools for this.
- 2
Compare Plan Pricing
When looking for affordable plans, compare similar policies from different providers. Ensure that you're considering both cost and customer service ratings to find an option that suits your needs best.
- 3
Explore Added Benefits
Look for insurers that offer extra benefits in their Medicare Supplement plans. These perks can include discount incentives, gym memberships and more.
Best Medigap Plans in Illinois: Bottom Line
Our top three picks for the best Medicare Supplement insurance in Illinois are UnitedHealthcare, State Farm, and Cigna. However, to find the right plan for you we recommend searching around for yourself, comparing company reputations, benefits and pricing.
Medicare Supplement Plans in Illinois: FAQ
Here are our expert answers to common questions about Medicare Supplement plans for Illinois
What is the best Medicare Supplement provider in Illinois?
For the most popular Medigap plan in Illinois, the best health insurance provider is UnitedHealthcare. The provider offers pricing that is 11% lower than the state average making them the most affordable company in the state.
What is the cost of Medicare Supplement plans in Illinois?
Depending on your plan selection, pricing for Medicare Supplement plans in Illinois can range anywhere from $801 to $3864 per year. For the most popular plan in the state, Plan G, average costs can range anywhere from $1672 to $2570 per year.
How We Decided the Best Medicare Supplement Companies in Illinois
MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Illinois for 65-year-olds and 75-year-olds. plans were only rated as one of the best if we could obtain an accurate quote from the provider online. We assumed Medicare Supplement Plan G which is the most popular plan nationwide to determine the best and most affordable provider.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.