Best Medicare Supplement Plans in Illinois 2025

• AARP/UnitedHealthcare.

• Mutual of Omaha.

• State Farm.

• Wellabe.

» MORE: Best Medicare Supplement Insurance companies

• Medigap Plan G: $110 per month.

• Medigap Plan N: $78 per month.

» MORE: Best Medicare Supplement Plan G companies

• 45% have Medigap Plan G — the highest-coverage option available to new Medicare members.

• 44% have Medigap Plan F — the most comprehensive coverage of any Medigap plan.

• 7% have Medigap Plan N — a plan with lower premiums but higher copays.

• Senior Health Insurance Program (SHIP): Provides free health insurance counseling services and information resources for Medicare members and their caregivers in Illinois. 

• Illinois Department on Aging: Administers services, provides resources and advocates for older Illinoisans and their caregivers. 

• Illinois Area Agencies on Aging: Coordinate local and regional services and programs for older adults in partnership with state and local agencies and service providers.

Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:

Medicare Supplement Insurance ratings methodology

NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.

NerdWallet reviewed 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.

Insurer complaints methodology

We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.