The Best Illinois Medicare Supplement Plans (2022)

There are 10 Medicare supplement plans in Illinois, but availability will depend on when you become eligible. Medicare supplement plans, also known as Medigap, are offered by private insurers to supplement Original Medicare. Cigna and State Farm offer the best Medicare supplement plans in Illinois.

You cannot purchase a Medigap plan if you have Medicare Advantage since Medicare Advantage Plans in Illinois replace your entire Medicare plan, including Original Medicare.

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Last Updated: 7/1/2022
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The average monthly cost of a Medigap plan in Illinois is $121 for 65-year-olds and $205 for 75-year-olds. Plans F and G are the most popular plans since they offer comprehensive coverages. In Illinois, Plan F costs an average of $217.82 for a 75-year-old, while plan G costs $135.50 monthly for a 65-year-old. Only those who were eligible for Medicare before 2020 can purchase plan F.

Plan N is the next most popular Medigap plan since it offers similar coverages, but it does not cover excess charges. The average monthly cost of Plan N in Illinois for 65-year-olds is $116.30 and $186.35 for 75-year-olds.

MoneyGeek ranked the best options for these three plans based on average premiums and benefits. If you want to learn more, you can look up how to find the best Medicare supplement plans.

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Best Medicare Supplement Plans in Illinois

Best Medicare Supplement Plan G in Illinois

State Farm offers the best Medicare Plan G supplement in Illinois at an average cost of $137.44 monthly. However, MoneyGeek only ranked companies with an online quote feature, so there may be other Medicare supplement providers in Illinois that do not offer online quotes but have better rates.

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MoneyGeek Top Pick
State Farm
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $137.44

State Farm offers Medigap Plan G in Illinois at an average of $137.44 monthly, significantly cheaper than the state's average cost of $176.10. State Farms’ Plan G benefits include coverage for emergency medical expenses incurred during foreign travel up to the limit specified in your plan. It also covers Medicare Part B excess charges, which are the charges your doctor may bill you above your Medicare-approved limit.

MORE ABOUT PLAN G IN ILLINOIS

Navigate to learn more about Medigap Plan G in Illinois, including its average cost, what it covers and what providers are available.

The Cost of Medicare Supplement Plan G in Illinois

Plan G Medicare supplement plans in Illinois cost an average of $176.10 per month, but rates can vary depending on the Insurer. United Healthcare offers the cheapest plan G in Illinois for a 65-year-old at $124.20, which is about $32 cheaper than Cigna, the most expensive provider, at $156.30 per month.

Plan G costs may vary depending on age at the time of plan purchase, current age, discounts and medical underwriting factors.

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65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $124
  • State Farm
    $137
  • Cigna
    $156

Providers Offering Plan G in Illinois

Forty-nine providers in Illinois offer Medigap Plan G, but some do not provide quotes online. MoneyGeek collected contact information for all providers in Illinois to help you find the best provider for your needs. We also analyzed pricing methods for different providers to help you understand how rates for other insurers may vary depending on your age.

Providers Offering Plan G in Illinois

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • HCSC
    312-653-6000
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan G Cover?

Although private insurers sell Medigap plans, all plans are standardized and must include specific benefits. Medigap Plan G does not cover Medicare Part B deductibles.

Some insurers may also offer additional benefits aside from the standard coverages, such as State Farm’s foreign travel emergency coverage.

Required Benefits of Plan G in Illinois
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Illinois

Cigna offers the best Plan F in Illinois at an average cost of $271.60 monthly. You can also get a high-deductible version of the same plan for $58.18 per month.

MoneyGeek ranked the best Plan F providers in Illinois based on data from companies that offer online quotes. There may be other providers who do not offer online quotes with cheaper rates.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $271.60

Compared to the average cost of Medigap Plan F in Illinois at $217.80 monthly, Cigna Plan F rates are $53.80 more costly at $271.60 monthly. Cigna’s Plan F comes with additional benefits like the healthy rewards program and coverage for foreign travel emergency expenses that may not be included in your Medicare plan.

You can select a high-deductible Plan F from Cigna, with lower premiums of $58.18 per month. However, if you opt for a high-deductible plan, you must pay for Medicare-covered costs, such as coinsurance, copayments and deductibles up to $2,490.

MORE ABOUT PLAN F IN ILLINOIS

Navigate to learn more about Medigap Plan F in Illinois, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Illinois

In Illinois, the average cost of Medigap Plan F is $217.80 per month. Cigna is the cheapest option for Plan F in Illinois at $164.90 per month for 75-year-olds, while UnitedHealthcare is the most expensive at $323.70 per month, a difference of $158.80.

It is important to note that other factors such as age at the time of purchase, current age, applicable discounts and medical underwriting factors may impact the cost of Medigap Plan F in Illinois.

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75

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  • Company
    Sample Monthly Rate
  • Cigna
    $165
  • UnitedHealthcare
    $324

Providers Offering Plan F in Illinois

Forty-nine insurers in Illinois offer Medigap Plan F. However, not all of them provide quotes online. MoneyGeek collected contact information for all providers in Illinois to help you find the right insurer for your needs. MoneyGeek also highlighted the providers’ pricing methods to help you understand which providers tend to charge more depending on age.

Providers Offering Plan F in Illinois

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • HCSC
    312-653-6000
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan F Cover?

All Medicare supplement plans, including Plan F, are standardized and must have certain minimum benefits. Medigap Plan F only covers foreign travel emergency expenses up to 80% of the specified plan limit. Depending on the insurer, you may also have other additional benefits included in your plan. For instance, Cigna offers a health rewards program and a health information line.

Required Benefits of Plan F in Illinois
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Illinois

State Farm offers the best Plan N Medicare supplement in Illinois at an average cost of $106.25 per month. MoneyGeek ranked the best Plan N providers using online quotes. Other insurers in Illinois may offer better rates for Plan N but do not have an online quote feature.

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MoneyGeek Top Pick
State Farm
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $106.25

The average monthly cost of Plan N in Illinois is $151.30, which is up to $45 more than the cost of the same plan from State Farm at $106.25 monthly. Aside from comparatively better rates, State Farm also offers foreign travel medical expenses coverage.

MORE ABOUT PLAN N IN ILLINOIS

Navigate to learn more about Medigap Plan N in Illinois, including its average cost, what it covers and what providers are available.

The Cost of Medicare Supplement Plan N in Illinois

Medigap Plan N in Illinois costs an average of $151.30 per month, but rates can vary depending on the provider. At $106.25 monthly, State Farm has the cheapest Plan N for 65-year-olds in Illinois, while Cigna is the most expensive option at $127.38 per month, a difference of $21.13.

Plan N rates in Illinois may vary depending on your age when purchased, your current age, applicable discounts and medical underwriting factors.

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65

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  • Company
    Sample Monthly Rate
  • State Farm
    $106
  • UnitedHealthcare
    $116
  • Cigna
    $127

Providers Offering Plan N in Illinois

There are 47 providers offering Plan N in Illinois, but not all provide quotes online. To help you find the best provider for your needs, MoneyGeek collected contact information for all Plan N providers in Illinois. We also detailed the pricing methods of different providers to help you understand which insurers tend to charge more based on age.

Providers Offering Plan N in Illinois

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • HCSC
    312-653-6000
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan N Cover?

All Medigap supplement plans in Illinois and other states are standardized, including Plan N. Plan N does not cover Medicare Part B deductibles or excess charges.

Different insurers may also offer additional benefits. For instance, State Farm offers coverage for foreign travel emergency expenses, but only up to 80% of your plan limit.

Required Benefits of Plan N in Illinois
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Illinois: Other Plan Types

In Illinois, other Medigap plan types besides Plan F, G and N are not as popular since they do not offer the same level of coverage. Among the providers who offer online quotes, State Farm, UnitedHealthcare and Cigna, MoneyGeek identified the best option for each plan type.

In Illinois and elsewhere, Plan C is not available to those who became eligible for Medicare after January 1, 2020.

The Best Medicare Supplement in Illinois - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    State Farm

    $95.62

  • B

    UnitedHealthcare

    $141.21

  • C

    UnitedHealthcare

    $322.02

  • D

    State Farm

    $137.19

  • F

    Cigna

    $271.60

  • G

    State Farm

    $137.44

  • K

    UnitedHealthcare

    $66.79

  • L

    UnitedHealthcare

    $100.49

  • N

    State Farm

    $106.25

How to Find the Best Medicare Supplement Plans in Illinois

MoneyGeek created an easy comparison chart for plan types in Illinois to help you compare Medicare supplement plans in Illinois. We also collected and analyzed pricing data to make it easier to find the best Medicare supplement plan in Illinois.

Illinois Medicare Supplement Plans Comparison Chart

Medigap plans offer different levels of coverage depending on the plan type. Depending on when you became eligible for Medicare, some plan types may not be available to you. For instance, Plans F and C were the most comprehensive, but new enrollees to Medicare are not eligible. Plans G and D have replaced Plans F and C.

Use MoneyGeek’s Medicare supplement plans comparison chart for Illinois to compare coverages and average rates.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Illinois

The cost of Medicare supplement plans in Illinois can vary widely depending on the plan and the provider. State Farm is cheapest for most plans in Illinois, including Plans N and A, while UnitedHealthcare is cheapest for Plan G.

Medigap plans are typically priced using the following pricing styles.

  • Attained-Age: This is the most common pricing style in Illinois. In this case, premiums are based on age, and they will increase as you get older.

  • Issue-Age: Providers calculate premiums based on age on the date of Medigap plan purchase, known as issue-age pricing. Typically, those who buy at a younger age will pay lower premiums, and the rates will not increase as they get older.

  • Community-Rated: This type of pricing style is also referred to as no-age since the same monthly premium is charged to everyone regardless of age. Premiums may be impacted by inflation and other factors, but age is not a rating factor.

Average Cost of Medicare Supplement in Illinois

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • State Farm
    $96
  • UnitedHealthcare
    $97
  • Cigna
    $174

FAQs About Medicare Supplement Plans in Illinois

You can learn more about the best Medigap supplement plans in Illinois in the answers to the most frequently asked questions below.

Methodology

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.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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