Medicare Advantage Plans in Illinois 2026

Medicare Advantage in Illinois: 2026 Overview

Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers approved by CMS. In Illinois, there are approximately 118 plans available across the state, though availability varies by county and zip code.

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Top Medicare Advantage Insurers in Illinois

The major Medicare Advantage insurers in Illinois for 2026 include: Humana, UnitedHealthcare, Aetna/CVS, BCBS Illinois. Plan availability and benefits vary significantly by county. Always check plans available in your specific zip code.

What's Covered by Medicare Advantage in Illinois?

Hospital coverage (Part A): Inpatient care, skilled nursing, hospice
Medical coverage (Part B): Doctor visits, outpatient care, preventive services
Prescription drugs (Part D): Most MA plans include drug coverage
Extra benefits: Many plans add dental, vision, hearing, fitness memberships, and over-the-counter allowances

$0 Premium Medicare Advantage Plans in Illinois

Many Medicare Advantage plans in Illinois offer $0 monthly premiums — you still pay your Medicare Part B premium (about $185/month in 2026) but nothing additional to the plan. These plans are popular because they bundle comprehensive coverage at no extra monthly cost.

When Can I Enroll in Illinois?

Initial Enrollment Period (IEP): The 7-month window around your 65th birthday
Annual Enrollment Period (AEP): October 15 – December 7 each year
Open Enrollment Period (OEP): January 1 – March 31 — switch plans once