Best Medicare Advantage Plans in St. Clair County, IL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in St. Clair County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
St. Clair County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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 |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | 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★ |
| 19 | 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★ |
| 20 | 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★ |
| 21 | 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 |
| 22 | Essence Advantage Premier Plus (PPO)Essence Healthcare · PPO7 of 102 counties · drug deductible $700hearing aids $500/yr | $264 | $2,900 | $6,068 | 4★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | 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★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | 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★ |
| 29 | 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 |
| 30 | 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★ |
| 31 | 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★ |
| 32 | HumanaChoice R5361-002 (Regional PPO)Humana · Regional PPOAll 102 counties · drug deductible $700Dental · eyewear $100/yr | $87 | $7,700 | $8,744 | 3.5★ |
| 33 | 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★ |
| 34 | 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. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 47 in 2026, 39 in 2027.
- $0-premium plans: 37 in 2026, 27 in 2027.
- Median in-network out-of-pocket maximum: $4,700 in 2026, $5,000 in 2027.
- 20,191 people here were in a general-audience Advantage plan in October 2026; 1,890 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS), Humana USAA Honor Giveback (Regional PPO), Humana Gold Choice H8145-126 (PFFS).
Questions
How many Medicare Advantage plans are in St. Clair County for 2027?
34 general-audience plans with drug coverage, 22 of them with a $0 monthly premium, compared with 47 plans and 37 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in St. Clair County?
Humana Total Complete (HMO) from Humana: $0 a month with an in-network out-of-pocket maximum of $2,850, so at most about $2,850 for the year in premiums and in-network costs.
Do any St. Clair County plans have a Part B giveback?
7 do. The largest is $184.70 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 006 IL (PPO).
How many St. Clair County plans have 4 or more stars?
21 of 34, based on CMS's 2027 ratings of the contract behind each plan.
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.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
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. · Advertiser disclosure
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