Your Guide on When to Signup for Medicare Plans in Illinois

Time and understanding Medicare basics is essential when you want to signup for Medicare Plans in Illinois. This includes getting a full grasp on the different benefits of the four Medicare Parts. Most seniors who make mistakes in Medicare costs them thousands of dollars.

medicare plans in illinois

Thus, we are giving you all the answers on Medicare enrollment procedures. Further, you will be given the right guidance over the choices you might need to make. Later, we will discuss which counties have Medicare Plans in Chicago, Medicare Plans in Rockford, and Medicare Plans in Champaign.

 

Medicare Review

Basically, Medicare is a federal health insurance program. It specially offers elders who are turning 65 and older. Further, they also serve people citizens under 65 with certain health conditions or disabilities. Such as, End-Stage Renal Disease or ALS.

Once you are eligible, you may enroll in different Medicare programs: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage Plans), and Part D (Prescription Drug Coverage). Let’s talk about the benefits of these programs.

Original Medicare

Usually, this is how seniors get their Medicare Plans in Illinois. Also, there are other coverage options offered by Medicare-approved private insurance companies. The most important thing about Original Medicare is automatically getting Part A and Part B benefits.

However, it does not cover everything when you become eligible and enroll in Part A and B. Also, the decision on Medicare quotes depends on you. For instance, it depends if you have any other health insurance in addition to Medicare.

Moreover, Original Medicare only pays 80% of your medical and doctor bills. Therefore, you should also pay attention to Medicare supplement plans. Refer to the table below to know which benefits are under Part A and Part B.

Medicare Part A (Hospital Insurance) Medicare Part B (Medical Insurance)
·         Inpatient care in hospitals

·         Skilled nursing facility care

·         Home health care

·         Hospice care

·         Health care providers

·         Outpatient care

·         Services from doctors

·         Home health care

·         Durable medical equipment

 

Part C Medicare (Medicare Advantage Plans)

Meanwhile, Part C Medicare is a separate benefit which you can get from Medicare-approved private insurance companies. Basically, Medicare Part C is an alternative to getting Original Medicare. Usually, it covers all benefits and services under Part A and B.

Moreover, Part C plans offer additional benefits such as dental, vision and hearing coverage. However, private insurance companies offer these benefits with their own costs, rules and restrictions. You can get Part C Medicare from you former or current employer.

Also, you may choose to stay with your plan. Otherwise, you will have to switch to Original Medicare. Likewise, you must consult with your current union or employer before switching to a different Medicare Advantage Plan. Lastly, there are usually co-insurance or co-payments involved and added monthly premium to your Part B premium.

Part D Medicare (Medicare Prescription Drug Plans)

On the other hand, Part D Medicare covers the costs of prescription drugs. Also, this is an added drug coverage to Medicare and still run by Medicare-approved private insurance companies. Basically, this helps lower your prescription drug costs and helps you protect against higher costs in the future.

Moreover, you will pay an additional monthly premium for this coverage. Some Part C plans offer prescription drug coverage. Again, Part D is apart from your Part B premium. Well, you may get extra help for Part D to aid you in prescription drug coverage.

 

How do I Automatically Enroll in Medicare?

Actually, anyone can automatically enroll in Part A and Part B Medicare coverage. Take note of the following conditions:

  • When you’re turning 65 and getting Social Security or Railroad Retirement Board (RRB) benefits
  • People under 65 with certain disabilities.
  • Patients with ALS (Amyotrophic Lateral Sclerosis) and ESRD (End-Stage Renal Disease)

Further, study the table below to understand Medicare enrollment periods:

Initial Enrollment Period (IEP) 65th Birthday – 3 months before to 3 months after

·         Enrollment in Part A, Part B, Medigap, Medicare Advantage and/or Part D

Open Enrollment Period (OEP) /Annual Election Period (AEP) October 15th – December 7th

·         Enrollment or change in Medicare Advantage, Medigap and/or Part D

General Enrollment Period (GEP) January 1st – March 31st

·         Enroll in Part A and Part B if you haven’t enrolled when upon first eligibility (Late enrollment fee may apply)

Special Enrollment Period (SEP) Up to 8 months

·         After employment coverage expires

·         Enrollment in Part A and Part B, then Medigap or Medicare Advantage

Finding Medicare Plans in Illinois and Counties

You can find Medicare Plans in Illinois including its cities and counties. Moreover, here is a list of Illinois counties with Medicare plans.

Medicare Plans in Chicago, Illinois

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Also, here is a list of Chicago, Illinois counties that have Medicare Plans:

  • Cook
  • DuPage
  • Lake
  • McHenry
  • Kane
  • Kendall
  • Grundy
  • Will
  • Kankakee

Medicare Plans in Rockford, Illinois

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Further, here is a list of Rockford, Illinois counties that have Medicare Plans:

  • Winnebago
  • Ogle
  • Boone
  • Stephenson

Medicare Plans in Champaign, Illinois

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In addition, here is a list of Rockford, Illinois counties that have Medicare Plans:

  • Champaign

(Other) Illinois Counties with Medicare Plans

Meanwhile, here is a list of other counties outside of the cities that offer Medicare Plans:

 

Adams Coles Fulton Jersey Macoupin Peoria Schuyler White
Alexander Crawford Gallatin Jo Daviess Madison Perry Scott Whiteside
Bond Cumberland Greene Johnson Marion Piatt Shelby Williamson
Brown DeKalb Hamilton Knox Marshall Pike St. Clair Woodford
Bureau De Witt Hancock La Salle Mason Pope Stark
Calhoun Douglas Hardin Lawrence Massac Pulaski Tazewell
Carroll Edgar Henderson Lee Menard Putnam Union
Cass Edwards Henry Livingston Mercer Randolph Vermilion
Christian Effingham Iroquois Logan Monroe Richland Wabash
Clark Fayette Jackson McDonough Montgomery Rock Island Warren
Clay Ford Jasper McLean Morgan Saline Washington
Clinton Franklin Jefferson Macon Moultrie Sangamon Wayne

 

Conclusion

Remember the Medicare parts to further understand getting Medicare Plans in Tennessee. Also, you may contact Inzur agents to assist you with Medicare enrollment. In fact, Inzur brokers ensure you will see your favorite doctor or hospital in your network. Finally, with Medicare supplement and Original Medicare, you will have no restrictions. Call 1-888-999-0089 for more information on Medicare Plans.