Best Medicare Advantage Plans in Illinois 2024

More than a dozen companies sell Medicare Advantage plans in Illinois. Find out which ones are the top performers.
Kate Ashford, CSA®
By Kate Ashford, CSA® 
Updated
Edited by Holly Carey

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More than 2.3 million people in Illinois are signed up for Medicare, making it the seventh-largest state for Medicare beneficiaries

Centers for Medicare & Medicaid Services. Fact Sheet. Accessed Oct 31, 2023.
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Medicare is the government health care program for people 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private insurance companies. It offers all the same benefits and usually some extras, such as cost help with dental and vision coverage.

Medicare Advantage plans offer more benefits than Original Medicare, and they're often cheaper than paying for Medicare and a Medicare Supplement plan, but they offer less flexibility because you’ll need to get care from within the plan’s network of providers. Weigh your options to determine what plan best suits your needs.

Compare Medicare Advantage plans in Illinois

Insurance company
CMS Star Rating
States available
Members in high-rated plans
Member experience
Learn more
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Best for size of network
UnitedHealthcare Medicare Advantage - UHC

UnitedHealthcare

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3.87
3.87 /5
49 states and Washington, D.C.Medium (50% to 89%)3.12 (Average)

Call UnitedHealthcare

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from UnitedHealthcare

Best for extra perks
Aetna Medicare Advantage - ME

Aetna

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(866) 907-3870
3.98
3.98 /5
46 states and Washington, D.C.Medium (50% to 89%)3.79 (Above average)

8am - 11pm EST, 7 days a week

Speak to a licensed insurance agent on MedicareEnrollment.com

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from MedicareEnrollment.com

Best for local support
Blue Cross Blue Shield Medicare Advantage - ME

Blue Cross Blue Shield

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(888) 498-6687
3.86
3.86 /5
48 states and Puerto RicoMedium (50% to 89%)3.39 (Above average)

8am - 11pm EST, 7 days a week

Speak to a licensed insurance agent on MedicareEnrollment.com

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from MedicareEnrollment.com

Best for low-cost plan availability
Humana Medicare Advantage - ME

Humana

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(844) 974-2872
4.34
4.34 /5
49 states, Washington, D.C., and Puerto RicoHigh (90% or more)3.97 (Above average)

8am - 11pm EST, 7 days a week

Speak to a licensed insurance agent on MedicareEnrollment.com

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from MedicareEnrollment.com

What to know about Medicare in Illinois

With about 1 in 6 people in Illinois being 65 and older, the state offers a variety of Medicare and Medicare Advantage plans

U.S. Census Bureau. QuickFacts, Illinois. Accessed Oct 31, 2023.
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  • The average monthly premium in 2024 for a Medicare Advantage plan in Illinois is $11.95. (This is down from $12.13 in 2023.)

  • There are 158 Medicare Advantage plans available in Illinois in 2024. (This is down from 173 plans in 2023.)

  • All Medicare-eligible people in Illinois have access to a $0-premium Medicare Advantage plan.

Medicare Advantage companies in Illinois

The following providers offer Medicare Advantage plans in Illinois:

Top-rated Medicare Advantage plans in Illinois

Each year, the Centers for Medicare & Medicaid Services (CMS) awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are companies with plans that received top marks in Illinois for the 2024 plan year

Centers for Medicare & Medicaid Services. CY2024 Landscape MA 20231005 (ZIP). Accessed Oct 31, 2023.
. (Check out more information about Medicare star ratings.)

5-star plans

The company below offers plans in Illinois that are rated 5 stars out of 5 by CMS:

  • Essence Healthcare.

4.5-star plans

The companies below offer plans in Illinois that are rated 4.5 stars out of 5 by CMS:

  • Aetna Medicare.

  • HealthPartners UnityPoint Health.

  • Humana.

  • Medica.

  • Quartz Medicare Advantage.

  • UnitedHealthcare.

Medicare resources in Illinois

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

  • What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

Medicare Advantage companies

Get more information below about some of the major Medicare Advantage companies. These insurance companies offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

Still deciding on the right carrier? Compare Medicare Advantage plans

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Looking for more insurance in Illinois? Check out these resources:

Still deciding on the right carrier? Compare Medicare Advantage plans

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