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Medicare Supplement Insurance in Illinois

IL Medigap enrollment quick facts:

Medicare Supplement insurance (also called Medigap) helps senior and disabled Illinois residents pay for certain Medicare co-payments, deductibles, and other costs. Currently, insurance companies can offer state residents one of the 10 standardized Medigap plan options: Plans A, B, C, D, F, G, K, L, M, and N.

Illinois Medigap enrollment statistics

According to AHIP, 41.9% of Medicare beneficiaries in Illinois were also enrolled in a Medigap plan in 2014.

Certain Medigap plans are more popular than others in Illinois. The chart below shows which plans were most popular in Illinois in 2014, according to AHIP.

Popularity ranking Plan Total enrollees in 2014
1 F 494,716
2 G 56,709
3 N 34,835
4 D 29,318
5 C 25,627
6 B 5,254
7 A 4,956
8 L 1,834
9 K 1,571
10 M 10
 — Old plans* 16,018
 — Pre-standardized** 18,187
*Plans no longer available for purchase, including Plans E, H, I, and J.**Pre-standardized plans are policies sold before July 1992.

Medicare Supplement Insurance pricing methods

Medigap pricing methods are significant because they dictate how your premiums may increase in upcoming years. There are three different pricing methods:

  • Attained-age rated: The premium increases as you age.
  • Issue-age rated: The premium is based on your age when you buy and it may increase due to inflation and other factors, but not due to your age.
  • Community rated: The same premium is charged to all Medigap policyholders.

According to data from the U.S. Department of Health & Human Services (HHS), 82% of Medigap insurance policies issued in Illinois were attained-age rated in 2010. 17% of the policies were issue-age rated.

Illinois Medigap premium comparisons

According to the 2010 HHS data, Illinois’ average prices for Medigap policies are higher than in most parts of the country. The HHS data show that the average monthly premium for a Medigap policy in Illinois was almost 6% higher than the national average.

Under-65 enrollment rules

Although Medicare Supplement insurance is primarily for senior citizens, it also covers disabled people and those with end-stage renal disease (ESRD).

According to the Kaiser Family Foundation (KFF), insurance companies selling Medigap plans in Illinois must offer at least one plan to under-65 Medicare beneficiaries who are disabled or have ESRD. Medigap insurers in the state must charge the same premium to all non-seniors.

Learn more

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