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Illinois Medicare Insurance Plans

Medicare Supplement Insurance (Medigap) Policies

Medicare Supplement Insurance policies are required to be sold to people under the age of 65 in the state of Illinois.

High-Risk

The Illinois Comprehensive Health Insurance Plan (ICHIP) is a state health benefits program that exists to provide assistance to individuals needing help to meet anticipated health expenses. ICHIP is funded in part by premiums that are paid by program participants as well as through an assessment of health insurers that do business in Illinois for those federally eligible individuals who are covered by the Health Insurance Portability and Accountability Act of 1997 (HIPAA). ICHIP offers a HIPAA plan for federally eligible people and a traditional plan for people who may not otherwise qualify for coverage and do not qualify for Medicare. Both plans are Preferred Provider Organization (PPO) Plans.

Mini-COBRA Policies (Small Group)

Illinois mandates continuation coverage for all employers offering either group accident health plans or Health Maintenance Organization (HMO) coverage, regardless of the size of the group under the Illinois Continuation Law.

Illinois Medicare Savings Program

There are three Medicare Savings Programs available in the state of Illinois:

  • Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income up to $973 and couples under $1,311, the state pays all premiums for Medicare Part B and all copays and deductibles for Medicare Parts A and B.
  • Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1,166 per month or couples with monthly income under $1,572, the state pays premiums for Medicare Part B.
  • Qualified Individuals (QIs): For individuals with income under $1,312 per month or couples with an income under $1,769 a month, the state pays premiums for Medicare Part B.

Senior Health Insurance Program (SHIP)

The Illinois Senior Health Insurance Program (SHIP) is a free counseling service that can help you understand Illinois medicare insurance plans. The program is run by the state and is not affiliated with any insurance company doing business in Illinois, nor does it sell or solicit insurance.

The Illinois SHIP provides education and counseling to consumers and provides information concerning:

  • Original Medicare (Parts A and B)
  • Medicare Supplement Insurance (Medigap)
  • Medicare Advantage Plan HMOs (Part C)
  • Private Fee-for-Service and other health insurance plans
  • Long-term care insurance
  • Assistance with Medicare and Medicare Supplement Insurance claims
  • Analysis of Medicare Supplement Insurance and long-term care policies

Illinois SHIP provides information to consumers via public forums, presentations through community organizations and at senior care centers, and other forms of media. Illinois SHIP works with qualified counselors and volunteers who provide assistance on a statewide basis. Illinois SHIP is funded through a grant provided by the Centers for Medicare and Medicaid Services (CMS).

Low-Income Subsidy for Prescription Drugs (Extra Help)

The Illinois Low-Income Subsidy (LIS) program provides assistance to help people with certain costs associated with Medicare Part D (Prescription Drug Plans). This assistance includes costs associated with annual deductibles, monthly premiums, and any copayments and coinsurance amounts related to prescriptions.

Consult with a Medicare Solutions insurance specialist to get personal assistance for Illinois Medicare Insurance Plans. One of the many experienced specialists can compare plans in your area and help you find the Medicare insurance benefits that are right for your needs.