Best Medicare Advantage Plans in Will County, IL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Will 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.
Will County plans, ranked
| # | 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 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | 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★ |
| 19 | 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★ |
| 20 | 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★ |
| 21 | 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★ |
| 22 | 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★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | 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★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | 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★ |
| 29 | 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★ |
| 30 | 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★ |
| 31 | Essence Advantage Premier Plus (PPO)Essence Healthcare · PPO3 of 102 counties · drug deductible $700hearing aids $500/yr | $267 | $2,900 | $6,104 | 4★ |
| 32 | 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★ |
| 33 | 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★ |
| 34 | 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★ |
| 35 | 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★ |
| 36 | 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★ |
| 37 | 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★ |
| 38 | 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★ |
| 39 | HumanaChoice R5361-002 (Regional PPO)Humana · Regional PPOAll 102 counties · drug deductible $700Dental · eyewear $100/yr | $87 | $7,700 | $8,744 | 3.5★ |
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: 56 in 2026, 45 in 2027.
- $0-premium plans: 45 in 2026, 37 in 2027.
- Median in-network out-of-pocket maximum: $4,500 in 2026, $5,200 in 2027.
- 30,388 people here were in a general-audience Advantage plan in October 2026; 2,704 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), Aetna Medicare Eagle (PPO), AARP Medicare Advantage Patriot No Rx IL-MA2 (HMO-POS), AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO), Humana USAA Honor Giveback (Regional PPO).
Questions
How many Medicare Advantage plans are in Will County for 2027?
39 general-audience plans with drug coverage, 31 of them with a $0 monthly premium, compared with 56 plans and 45 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Will County?
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 for the year in premiums and in-network costs.
Do any Will County plans have a Part B giveback?
6 do. The largest is $184.70 a month off your Part B premium, from DEVOTED GIVEBACK 003 IL (HMO).
How many Will County plans have 4 or more stars?
20 of 39, 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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