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2027 plans · CMS data · Ranked by math
Best Medicare Advantage Plans in Illinois for 2027
Every general-audience Medicare Advantage plan with drug coverage in Illinois, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
93plans with drug coverage
68with a $0 plan premium
$2,150lowest worst-case year
50rated 4+ stars by CMS
Illinois plans, ranked
Showing all 93 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Total Complete (HMO)Humana · HMO7 of 102 counties · drug deductible $700Dental up to $5,000/yr · eyewear $275/yr | $0 | $2,150 | $2,150 | 4★ |
| 2 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO5 of 102 counties · drug deductible $300Part B giveback $135/mo · Dental up to $5,000/yr · eyewear $100/yr · OTC items $160/yr | $0−$135 Part B giveback | $4,000 | $2,380 | 3.5★ |
| 3 | DEVOTED CORE 001 IL (HMO)Devoted Health · HMO8 of 102 counties · drug deductible $650Dental up to $3,000/yr · eyewear $400/yr · OTC items $160/yr | $0 | $2,700 | $2,700 | 4★ |
| 4 | Humana Total Complete (HMO)Humana · HMO6 of 102 counties · drug deductible $700Dental up to $4,000/yr · eyewear $100/yr | $0 | $2,850 | $2,850 | 4.5★ |
| 5 | Humana Total Complete (HMO)Humana · HMO6 of 102 counties · drug deductible $700Dental up to $4,000/yr · eyewear $100/yr | $0 | $2,850 | $2,850 | 4.5★ |
| 6 | AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS)UnitedHealthcare · HMO-POS6 of 102 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $2,900 | $2,900 | 3.5★ |
| 7 | Essence Advantage Select (HMO)Essence Healthcare · HMO5 of 102 counties · drug deductible $300Dental up to $2,500/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $80/yr | $0 | $2,900 | $2,900 | 4★ |
| 8 | Wellcare Simple Exclusive (HMO)Wellcare · HMO3 of 102 counties · drug deductible $700Dental up to $4,000/yr · eyewear $500/yr · hearing aids $1,500/yr per ear | $0 | $3,200 | $3,200 | 3.5★ |
| 9 | Wellcare Simple Exclusive Value (HMO-POS)Wellcare · HMO-POS3 of 102 counties · drug deductible $700Dental up to $4,000/yr · eyewear $500/yr · hearing aids $1,500/yr per ear | $0 | $3,200 | $3,200 | 3★ |
| 10 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 102 counties · drug deductible $500Dental up to $5,000/yr · eyewear $300/yr · OTC items $400/yr | $0 | $3,300 | $3,300 | 3.5★ |
| 11 | Essence Advantage (HMO)Essence Healthcare · HMO10 of 102 counties · drug deductible $0Dental up to $250/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $120/yr | $0 | $3,400 | $3,400 | 4★ |
| 12 | AARP Medicare Advantage from UHC IL-0001 (HMO-POS)UnitedHealthcare · HMO-POS14 of 102 counties · drug deductible $595Dental up to $2,500/yr · eyewear $125/yr · hearing aids $700/yr | $43 | $2,900 | $3,416 | 3.5★ |
| 13 | Humana Essentials Plus Giveback (HMO)Humana · HMO6 of 102 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,500/yr · eyewear $150/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 14 | Humana Essentials Plus Giveback (HMO)Humana · HMO6 of 102 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,500/yr · eyewear $150/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 15 | Humana Gold Plus H1468-007 (HMO)Humana · HMO14 of 102 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $3,500 | $3,500 | 4★ |
| 16 | Essence Advantage Plus (HMO)Essence Healthcare · HMO10 of 102 counties · drug deductible $450Dental up to $2,000/yr · eyewear $300/yr · hearing aids $500/yr · OTC items $100/yr | $59 | $2,900 | $3,608 | 4★ |
| 17 | Humana Essentials Plus Giveback (HMO)Humana · HMO4 of 102 counties · drug deductible $700Part B giveback $50/mo · Dental up to $3,500/yr · eyewear $300/yr | $0−$50 Part B giveback | $4,250 | $3,650 | 4★ |
| 18 | AARP Medicare Advantage from UHC ST-1P (HMO-POS)UnitedHealthcare · HMO-POS2 of 102 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,100 | $4,100 | 3.5★ |
| 19 | DEVOTED CHOICE 003 IL (PPO)Devoted Health · PPO9 of 102 counties · drug deductible $650Dental up to $3,000/yr · eyewear $200/yr · OTC items $248/yr | $0 | $4,150 | $4,150 | Not rated |
| 20 | Humana Value Choice (PPO)Humana · PPO13 of 102 counties · drug deductible $700Dental up to $2,500/yr · eyewear $250/yr | $0 | $4,300 | $4,300 | 4.5★ |
| 21 | HumanaChoice Giveback H5216-403 (PPO)Humana · PPO87 of 102 counties · drug deductible $700Part B giveback $51/mo · Dental up to $2,500/yr · eyewear $100/yr | $0−$51 Part B giveback | $5,000 | $4,388 | 4★ |
| 22 | HumanaChoice Giveback H7617-013 (PPO)Humana · PPO85 of 102 counties · drug deductible $700Part B giveback $51/mo · Dental up to $2,500/yr · eyewear $100/yr | $0−$51 Part B giveback | $5,000 | $4,388 | 4.5★ |
| 23 | Humana Value Choice (PPO)Humana · PPO7 of 102 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 24 | AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)UnitedHealthcare · HMO-POS19 of 102 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 25 | AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS)UnitedHealthcare · HMO-POS6 of 102 counties · drug deductible $685Dental up to $4,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 26 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS6 of 102 counties · drug deductible $700Dental up to $500/yr · eyewear $175/yr · hearing aids $500/yr per ear | $0 | $4,450 | $4,450 | 3.5★ |
| 27 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO7 of 102 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 28 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO2 of 102 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $4,450 | $4,450 | 3.5★ |
| 29 | DEVOTED CHOICE 005 IL (PPO)Devoted Health · PPO12 of 102 counties · drug deductible $650Dental up to $3,250/yr · eyewear $200/yr · OTC items $268/yr | $0 | $4,450 | $4,450 | Not rated |
| 30 | Essence Advantage Choice (PPO)Essence Healthcare · PPO3 of 102 counties · drug deductible $700Dental up to $650/yr · eyewear $175/yr · hearing aids $500/yr | $0 | $4,450 | $4,450 | 4★ |
| 31 | Essence Advantage Select (HMO)Essence Healthcare · HMO10 of 102 counties · drug deductible $450Dental up to $2,900/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 32 | HealthSpring Premier (HMO-POS)HealthSpring · HMO-POS5 of 102 counties · drug deductible $500Dental up to $5,000/yr · eyewear $100/yr · OTC items $280/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 33 | HealthSpring True Choice (PPO)HealthSpring · PPO5 of 102 counties · drug deductible $700Dental up to $600/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 3★ |
| 34 | Humana Value Choice (PPO)Humana · PPO7 of 102 counties · drug deductible $700Dental up to $3,000/yr · eyewear $150/yr | $0 | $4,450 | $4,450 | 4★ |
| 35 | Humana Value Choice (PPO)Humana · PPO13 of 102 counties · drug deductible $700Dental up to $2,500/yr · eyewear $250/yr | $0 | $4,450 | $4,450 | 4★ |
| 36 | HealthSpring True Choice Savings (PPO)HealthSpring · PPO5 of 102 counties · drug deductible $700Part B giveback $34/mo · Dental up to $500/yr · eyewear $100/yr | $0−$34 Part B giveback | $5,000 | $4,592 | 3★ |
| 37 | AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS)UnitedHealthcare · HMO-POS19 of 102 counties · drug deductible $685Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $19 | $4,450 | $4,678 | 3.5★ |
| 38 | DEVOTED CHOICE 001 IL (PPO)Devoted Health · PPO8 of 102 counties · drug deductible $650Dental up to $3,000/yr · eyewear $400/yr · OTC items $80/yr | $0 | $4,700 | $4,700 | 4.5★ |
| 39 | Aetna Medicare Enhanced (HMO)Aetna Medicare · HMO6 of 102 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $750/yr per ear · OTC items $180/yr | $55 | $4,200 | $4,860 | 3.5★ |
| 40 | AARP Medicare Advantage from UHC IL-2 (HMO-POS)UnitedHealthcare · HMO-POS14 of 102 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 41 | Aetna Medicare Advantra Signature Extra (PPO)Aetna Medicare · PPO12 of 102 counties · drug deductible $700Part B giveback $25/mo · Dental up to $1,500/yr · eyewear $125/yr · hearing aids $500/yr per ear · OTC items $80/yr | $0−$25 Part B giveback | $5,200 | $4,900 | 4★ |
| 42 | HumanaChoice H5216-283 (PPO)Humana · PPO11 of 102 counties · drug deductible $250Dental up to $1,500/yr · eyewear $100/yr | $0 | $4,900 | $4,900 | 4★ |
| 43 | Zing Select Care IL (HMO)Zing Health · HMO12 of 102 counties · drug deductible $450Dental up to $2,000/yr · eyewear $200/yr · hearing aids $250/yr per ear · OTC items $280/yr | $0 | $4,950 | $4,950 | 3.5★ |
| 44 | DEVOTED CHOICE 001 IL (PPO)Devoted Health · PPO25 of 102 counties · drug deductible $465Dental up to $3,500/yr · eyewear $400/yr · OTC items $400/yr | $0 | $5,000 | $5,000 | Not rated |
| 45 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS6 of 102 counties · drug deductible $700Dental up to $3,000/yr · eyewear $300/yr · hearing aids $500/yr per ear · OTC items $480/yr | $0 | $5,000 | $5,000 | 3★ |
| 46 | DEVOTED GIVEBACK EXTRAS 008 IL (HMO)Devoted Health · HMO8 of 102 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,250/yr · eyewear $400/yr · OTC items $504/yr | $0−$70 Part B giveback | $5,900 | $5,060 | 4★ |
| 47 | Zing Elite Select IL-IN (HMO)Zing Health · HMO5 of 102 counties · drug deductible $350Dental up to $2,000/yr · eyewear $300/yr · hearing aids $250/yr per ear · OTC items $752/yr | $0 | $5,100 | $5,100 | 3.5★ |
| 48 | Aetna Medicare Advantra Enhanced (PPO)Aetna Medicare · PPO12 of 102 counties · drug deductible $700Dental up to $1,750/yr · eyewear $200/yr · hearing aids $1,000/yr per ear · OTC items $180/yr | $51 | $4,500 | $5,112 | 4★ |
| 49 | Aetna Medicare Prime Extra Care (HMO)Aetna Medicare · HMO6 of 102 counties · drug deductible $400Dental up to $2,500/yr · eyewear $200/yr · hearing aids $750/yr per ear · OTC items $120/yr | $0 | $5,200 | $5,200 | 3.5★ |
| 50 | DEVOTED CHOICE 010 IL (PPO)Devoted Health · PPO8 of 102 counties · drug deductible $650Dental up to $3,000/yr · eyewear $400/yr | $0 | $5,400 | $5,400 | 4.5★ |
| 51 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO6 of 102 counties · drug deductible $700Dental up to $2,250/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 52 | Wellcare Simple Essential (HMO)Wellcare · HMO101 of 102 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 3.5★ |
| 53 | Wellcare Simple Value (HMO-POS)Wellcare · HMO-POS90 of 102 counties · drug deductible $700Dental up to $1,500/yr · hearing aids $500/yr per ear · OTC items $180/yr | $0 | $5,500 | $5,500 | 3★ |
| 54 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO37 of 102 counties · drug deductible $700Dental up to $1,500/yr · eyewear $400/yr · hearing aids $1,250/yr per ear · OTC items $180/yr | $58 | $4,900 | $5,596 | 4★ |
| 55 | Aetna Medicare Premier (PPO)Aetna Medicare · PPO6 of 102 counties · drug deductible $700Dental up to $2,500/yr · eyewear $225/yr · hearing aids $750/yr per ear · OTC items $120/yr | $42 | $5,200 | $5,704 | 4★ |
| 56 | Blue Cross Medicare Advantage Basic (HMO-POS)Blue Cross and Blue Shield of IL, NM · HMO-POS4 of 102 counties · drug deductible $500Dental up to $750/yr · eyewear $100/yr · OTC items $200/yr | $29 | $5,500 | $5,848 | 3★ |
| 57 | DEVOTED CHOICE GIVEBACK EXTRAS 019 IL (PPO)Devoted Health · PPO9 of 102 counties · drug deductible $700Part B giveback $80/mo · Dental up to $3,250/yr · eyewear $250/yr · OTC items $708/yr | $0−$80 Part B giveback | $6,850 | $5,890 | Not rated |
| 58 | Aetna Medicare Prime (HMO-POS)Aetna Medicare · HMO-POS6 of 102 counties · drug deductible $400Dental up to $2,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 3.5★ |
| 59 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS6 of 102 counties · drug deductible $400Dental up to $2,250/yr · eyewear $175/yr · hearing aids $750/yr per ear | $0 | $5,900 | $5,900 | 3.5★ |
| 60 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO37 of 102 counties · drug deductible $700Dental up to $500/yr · eyewear $125/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 4★ |
| 61 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS12 of 102 counties · drug deductible $400Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 3.5★ |
| 62 | DEVOTED CHOICE GIVEBACK EXTRAS 020 IL (PPO)Devoted Health · PPO12 of 102 counties · drug deductible $700Part B giveback $80/mo · Dental up to $3,500/yr · eyewear $250/yr · OTC items $400/yr | $0−$80 Part B giveback | $7,000 | $6,040 | Not rated |
| 63 | Essence Advantage Premier Plus (PPO)Essence Healthcare · PPO7 of 102 counties · drug deductible $700hearing aids $500/yr | $264 | $2,900 | $6,068 | 4★ |
| 64 | Essence Advantage Premier Plus (PPO)Essence Healthcare · PPO3 of 102 counties · drug deductible $700hearing aids $500/yr | $267 | $2,900 | $6,104 | 4★ |
| 65 | DEVOTED CHOICE GIVEBACK EXTRAS 018 IL (PPO)Devoted Health · PPO25 of 102 counties · drug deductible $700Part B giveback $80/mo · Dental up to $3,750/yr · eyewear $400/yr · OTC items $320/yr | $0−$80 Part B giveback | $7,300 | $6,340 | Not rated |
| 66 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS12 of 102 counties · drug deductible $400Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $6,350 | $6,350 | 3.5★ |
| 67 | Humana Full Access (PPO)Humana · PPO6 of 102 counties · drug deductible $500Dental up to $2,500/yr · eyewear $150/yr | $0 | $6,350 | $6,350 | 4★ |
| 68 | AARP Medicare Advantage from UHC IA-0002 (HMO-POS)UnitedHealthcare · HMO-POS67 of 102 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $49 | $5,900 | $6,488 | 4★ |
| 69 | Humana Full Access (PPO)Humana · PPO6 of 102 counties · drug deductible $500Dental up to $2,500/yr · eyewear $150/yr | $0 | $6,600 | $6,600 | 4.5★ |
| 70 | HumanaChoice H5216-399 (PPO)Humana · PPO87 of 102 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $33 | $6,250 | $6,646 | 4★ |
| 71 | AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS)UnitedHealthcare · HMO-POS19 of 102 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 72 | AARP Medicare Advantage from UHC IL-5 (PPO)UnitedHealthcare · PPO14 of 102 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 73 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO6 of 102 counties · drug deductible $700Dental up to $2,250/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 74 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO3 of 102 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 75 | Blue Cross Medicare Advantage Select (HMO-POS)Blue Cross and Blue Shield of IL, NM · HMO-POS2 of 102 counties · drug deductible $600Dental up to $750/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 76 | HumanaChoice H5525-004 (PPO)Humana · PPO22 of 102 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $73 | $6,300 | $7,176 | 4★ |
| 77 | HealthSpring True Choice (PPO)HealthSpring · PPO2 of 102 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $6 | $7,150 | $7,222 | 3★ |
| 78 | Essence Advantage Choice Plus (PPO)Essence Healthcare · PPO3 of 102 counties · drug deductible $700Dental up to $1,900/yr · eyewear $175/yr · hearing aids $500/yr · OTC items $80/yr | $49 | $6,700 | $7,288 | 4★ |
| 79 | Wellcare Giveback (HMO)Wellcare · HMO101 of 102 counties · drug deductible $700Part B giveback $37/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$37 Part B giveback | $7,800 | $7,356 | 3.5★ |
| 80 | AARP Medicare Advantage from UHC IL-6 (PPO)UnitedHealthcare · PPO56 of 102 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $59 | $6,700 | $7,408 | 4★ |
| 81 | DEVOTED CHOICE GIVEBACK 002 IL (PPO)Devoted Health · PPO25 of 102 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $432/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | Not rated |
| 82 | DEVOTED CHOICE GIVEBACK 004 IL (PPO)Devoted Health · PPO9 of 102 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $376/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | Not rated |
| 83 | DEVOTED CHOICE GIVEBACK 006 IL (PPO)Devoted Health · PPO12 of 102 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $400/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | Not rated |
| 84 | DEVOTED GIVEBACK 003 IL (HMO)Devoted Health · HMO8 of 102 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $100/yr · OTC items $304/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | 4★ |
| 85 | HumanaChoice H5216-013 (PPO)Humana · PPO24 of 102 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $92 | $6,550 | $7,654 | 4★ |
| 86 | AARP Medicare Advantage from UHC IA-0003 (PPO)UnitedHealthcare · PPO3 of 102 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $45 | $7,150 | $7,690 | 4★ |
| 87 | AARP Medicare Advantage from UHC ST-0001 (PPO)UnitedHealthcare · PPO19 of 102 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $58 | $7,150 | $7,846 | 4★ |
| 88 | AARP Medicare Advantage from UHC IL-0004 (PPO)UnitedHealthcare · PPO14 of 102 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $84 | $7,150 | $8,158 | 4★ |
| 89 | Humana Gold Choice H8145-006 (PFFS)Humana · PFFS48 of 102 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $60 | $7,800 | $8,520 | 4★ |
| 90 | HumanaChoice R5361-002 (Regional PPO)Humana · Regional PPOAll 102 counties · drug deductible $700Dental · eyewear $100/yr | $87 | $7,700 | $8,744 | 3.5★ |
| 91 | HumanaChoice H7617-007 (PPO)Humana · PPO1 of 102 counties · drug deductible $700Dental · eyewear $100/yr | $60 | $9,250 | $9,970 | 4.5★ |
| 92 | HumanaChoice H5216-032 (PPO)Humana · PPO3 of 102 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $76 | $9,250 | $10,162 | 4★ |
| 93 | Essence Advantage Choice (PPO)Essence Healthcare · PPO7 of 102 counties · drug deductible $700Dental up to $825/yr · eyewear $175/yr · hearing aids $500/yr | $40 | $9,850 | $10,330 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 13 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (PPO)Humana · PPO8 of 102 countiesPart B giveback $150/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$150 Part B giveback | $4,700 | $2,900 | 4★ |
| 2 | Humana USAA Honor Giveback (PPO)Humana · PPO8 of 102 countiesPart B giveback $150/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$150 Part B giveback | $4,700 | $2,900 | 4.5★ |
| 3 | Aetna Medicare Eagle (PPO)Aetna Medicare · PPO32 of 102 countiesPart B giveback $95/mo · Dental up to $2,000/yr · eyewear $350/yr · hearing aids $1,500/yr per ear · OTC items $300/yr | $0−$95 Part B giveback | $4,900 | $3,760 | 4★ |
| 4 | AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS)UnitedHealthcare · HMO-POS19 of 102 countiesPart B giveback $170/mo · Dental up to $2,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$170 Part B giveback | $5,900 | $3,860 | 3.5★ |
| 5 | Humana USAA Honor Giveback (PPO)Humana · PPO93 of 102 countiesPart B giveback $150/mo · Dental up to $1,000/yr · eyewear $200/yr | $0−$150 Part B giveback | $6,000 | $4,200 | 4★ |
| 6 | Humana USAA Honor Giveback (PPO)Humana · PPO91 of 102 countiesPart B giveback $150/mo · Dental up to $1,000/yr · eyewear $200/yr | $0−$150 Part B giveback | $6,000 | $4,200 | 4.5★ |
| 7 | Aetna Medicare Eagle (PPO)Aetna Medicare · PPO21 of 102 countiesPart B giveback $70/mo · Dental up to $3,750/yr · eyewear $300/yr · hearing aids $1,250/yr per ear · OTC items $400/yr | $0−$70 Part B giveback | $5,200 | $4,360 | 4★ |
| 8 | AARP Medicare Advantage Patriot No Rx IL-MA2 (HMO-POS)UnitedHealthcare · HMO-POS14 of 102 countiesPart B giveback $170/mo · Dental up to $1,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$170 Part B giveback | $7,150 | $5,110 | 3.5★ |
| 9 | AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO)UnitedHealthcare · PPO70 of 102 countiesPart B giveback $160/mo · Dental up to $1,000/yr · eyewear $125/yr · hearing aids $700/yr | $0−$160 Part B giveback | $7,150 | $5,230 | 4★ |
| 10 | Humana USAA Honor Giveback (Regional PPO)Humana · Regional PPOAll 102 countiesPart B giveback $30/mo · Dental up to $1,000/yr · eyewear $200/yr | $0−$30 Part B giveback | $6,750 | $6,390 | 3.5★ |
| 11 | AARP Medicare Advantage Patriot No Rx IA-MA2 (HMO-POS)UnitedHealthcare · HMO-POS3 of 102 countiesPart B giveback $170/mo · Dental up to $3,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$170 Part B giveback | $9,850 | $7,810 | 4★ |
| 12 | AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO)UnitedHealthcare · PPO3 of 102 countiesPart B giveback $160/mo · Dental up to $2,000/yr · eyewear $125/yr · hearing aids $700/yr | $0−$160 Part B giveback | $9,850 | $7,930 | 4★ |
| 13 | Humana Gold Choice H8145-126 (PFFS)Humana · PFFS41 of 102 countiesDental up to $1,750/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
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Questions
How many Medicare Advantage plans are available in Illinois for 2027?
CMS lists 93 general-audience Medicare Advantage plans with drug coverage in Illinois for 2027, from 8 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Illinois?
Yes. 68 of the 93 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Illinois Medicare Advantage plan has the lowest worst-case cost?
Humana Total Complete (HMO) from Humana: $0 a month with an in-network out-of-pocket maximum of $2,150, so at most about $2,150 in premiums and in-network costs for the year. It is offered in 7 of 102 counties.
Which Illinois Medicare Advantage plans have 4 or more stars?
50 of the 93 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Illinois Medicare Advantage plans have a Part B giveback?
17 of the 93 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $184.70 a month, from DEVOTED CHOICE GIVEBACK 002 IL (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Illinois?
The median in-network out-of-pocket maximum among these plans is $5,000. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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