Christian Simmons, writer and researcher for RetireGuide
  • Written by
    Christian Simmons

    Christian Simmons

    Financial Writer

    Christian Simmons is a writer for RetireGuide and a member of the Association for Financial Counseling & Planning Education (AFCPE®). He covers Medicare and important retirement topics. Christian is a former winner of a Florida Society of News Editors journalism contest and has written professionally since 2016.

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  • Edited By
    Lee Williams
    Lee Williams, senior editor for

    Lee Williams

    Senior Financial Editor

    Lee Williams is a professional writer, editor and content strategist with 10 years of professional experience working for global and nationally recognized brands. He has contributed to Forbes, The Huffington Post, SUCCESS Magazine,, Electric Literature and The Wall Street Journal. His career also includes ghostwriting for Fortune 500 CEOs and published authors.

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  • Published: September 15, 2021
  • Updated: November 1, 2022
  • 3 min read time
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How to Cite's Article

APA Simmons, C. (2022, November 1). Medicare in Illinois. Retrieved March 28, 2023, from

MLA Simmons, Christian. "Medicare in Illinois.", 1 Nov 2022,

Chicago Simmons, Christian. "Medicare in Illinois." Last modified November 1, 2022.

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Medicare Eligibility in Illinois

Medicare enrollment by state doesn’t vary much, especially with Original Medicare. If you live in Illinois, you will have the same eligibility requirements as most Americans: you typically must be age 65 and have paid Medicare taxes while working.

Even if you have never worked, you should still be eligible for Medicare coverage at a higher price by paying a premium for Part A.

Some rare conditions can qualify you for premium-free coverage, like if you have end-stage renal disease or Lou Gehrig’s disease, also known as ALS. These conditions could also make you eligible before you turn 65.

If you live in Illinois and are eligible for Medicare, you will also qualify for Medicare Advantage. Medicare Advantage is also known as Medicare Part C, and these plans are available through private insurers and often include additional coverage and benefits.

According to the U.S. Centers for Medicare and Medicaid Services, 147 Medicare Advantage plans are available in Illinois.

Once you can enroll in Medicare, you also should be eligible for supplemental insurance known as Medigap to help you handle the costs of Medicare.

Medicare Plans in Illinois

Original Medicare is a federal program, so it is available to you in Illinois as well as throughout the U.S. It includes Part A and Part B, which cover inpatient and outpatient care.

If you have worked, then you should be eligible for premium-free Part A. But remember that you must pay a monthly premium for Part B regardless of work history. The premium will be higher depending on your level of income.

Medicare Advantage plans are also readily available in Illinois, with 100 percent of residents who have Medicare also having access to a Medicare Advantage plan.

In 2021, the average monthly premium in Illinois for a plan was $14.76. These plans and what’s available vary by where in the state you live, so be sure to check out what is available specifically in your county or city.

Illinois residents may also want to opt for a Part D prescription drug plan. These plans are often available as part of a Medicare Advantage plan, but there are 31 standalone options available in Illinois. The lowest monthly premium for a standalone plan in Illinois is $7.30.

You also may opt to buy Medigap, which can help handle the costs of copayments and deductibles. Medigap can only be used with Original Medicare, not a Medicare Advantage plan.

Don't Leave Your Health to Chance
Find a local Medicare plan that fits your needs by connecting with a licensed GoHealth insurance agent.

How To Apply for Medicare in Illinois

Your enrollment window for Original Medicare begins three months before your 65th birthday and ends three months after. You should be automatically enrolled if you’re already receiving Social Security benefits.

You can apply for Medicare by calling 1-800-772-1213 or going online. You can also enroll in person at your Social Security office.

Remember that Medicare Advantage plans come from private insurers, so your coverage will also come from the respective company. Medicare Advantage plans can also be limited regionally and you’ll need to look for a plan in your area.

Best Medicare Insurance Companies in Illinois

Since Illinois is a large state, residents have several Medicare Advantage options. According to the U.S. News & World Report, several plans and companies that also include Part D stand out.

Best Medicare Companies and Plans in Illinois
  • SwedishAmerican
  • UnitedHealthcare
  • AARP

Even beyond prescription drugs, Medicare Advantage plans can offer benefits and coverage that are not available through Original Medicare.

SwedishAmerican includes podiatry or foot exams, routine care and treatment for the feet and legs.

UnitedHealthcare also covers routine foot care, as well as transportation, vision and dental.

AARP includes coverage for dental, vision and also wellness programs.

Remember to check for which Medicare Advantage plans are available in your city or county. Depending on the plan, you may have to stay within a network or use certain doctors and facilities.

Last Modified: November 1, 2022