Finding the right Medicare Plans in Illinois can be an exhausting and stressful process for seniors. With so many health insurance options in the market, figuring out what makes each plan different is an overwhelming task. But, you don’t have to go it alone. Our expert health insurance agents are expertly trained and specialized to help you find and apply for Medicare in Illinois.

Call Buffalo Health Advisors to get help from a licensed Illinois health insurance agent and find the right medicare plan for you today.

A senior couple walking with their dog by the lake at sunset in Illinois.

Medicare Eligibility in Illinois

Generally, people wishing to join a Medicare plan in Illinois must be age 65 or older. The enrollment period for Medicare begins during the three-month period before your sixty-fifth birthday, during your birthday month, and the three months after your birthday.

If you’re under 65, you can apply for Medicare if you meet one of the following criteria.

  1. You have a disability and receive disability benefits from Social Security.
  2. You receive disability benefits from the Railroad Retirement Board.
  3. Have a diagnosis for End-Stage Renal Disease (ESRD)
  4. You have Lou Gehrig’s disease, or Amyotrophic Lateral Sclerosis (ALS).

To sign up for Original Medicare, you can register online, through your local Social Security Office, or over the phone.

If you qualify for Medicare, you first need to sign up for Original Medicare through your local Illinois social security office, or online. If you need further assistance when signing up for Original Medicare, one of our licensed health insurance agents can help you with the application process.

What If I’m Working Past 65?

Working seniors need to consider whether their group health insurance benefits are sufficient. Keep in mind that if you choose to apply for Medicare while you’re still working, you will not be able to keep both sets of benefits.

An Illinois senior paddling on a lake in Illinois

What Do I Get With IL Original Medicare?

When you receive Original Medicare, you will receive the standard benefits required by law. GA Medicare beneficiaries can also choose to sign up for Medicare Advantage plans to supplement their Original Medicare Coverage.

Original Medicare encompasses both Medicare Part A and Part B. Coverage will be the same no matter which state you live in, as coverage is regulated by law.

Illinois Medicare Advantage Plans

Illinois Medicare Advantage Plans

  • Dental Care
  • Hearing Care
  • Vision Care
  • Over-The-Counter Prescription Drug Coverage
  • Wellness Program Benefits

Types of Illinois Medicare Advantage Plans

Preferred Provider Organization (PPO) Plans in Illinois

PPO plans connect beneficiaries to a network of physicians, doctors, nurses, and medical providers who accept the terms of the plan. These networks give beneficiaries access to lower prices when receiving in-network care.

PPO plans don’t require you to select a PCP when you join the plan. This means you have instant access to specialists within the network, without having to first see your PCP for a referral.

One reason that PPO plans are more popular, is because they don’t require subscribers to choose a PCP. In contrast to HMO plans, this benefit allows subscribers to visit specialists without having to receive a referral from their PCP.

Additionally, PPO plans provide a certain level of care out of network coverage. However, beneficiaries will not be able to receive the maximum level of coverage when seeing a provider out of network.

Health Maintenance Organization (HMO) Plan in Illinois

For potential beneficiaries, HMO plans offer affordable medical benefits for seniors in Illinois. These plans are designed to be the most benefit for seniors who are in good health and don’t need intensive medical care.

When you join an HMO, you will have to select a primary care physician. Furthermore, if you need to see a specialist, you will have to visit your PCP for a referral before you can visit a specialist.

Learn more about Illinois HMO Plans.

Private Fee-for-Service Plans (PFFS) in Illinois

One of the most flexible types of Medicare Advantage plans in Illinois, PFFS plans allow beneficiaries to visit any doctor. However, doctors, specialists and other medical providers have the option to accept or reject the terms of the plan each time the patient seeks care.

Learn more about PFFS Plans

Special Needs Plans (SNP) in Illinois

Most Medicare Plans can only be joined by candidates without disabilities, however, SNPs provide Medicare benefits to people with debilitating conditions otherwise not covered under other plans.

Illinois Medicare plans are typically used by beneficiaries above the age of 65. However, Illinois residents with disabilities can receive Medicare benefits under the age of 65. Requirements to join an SNP plan include:

  • A diagnosis for End-Stage Renal Disease
  • Residence in an extended care facility
  • Residence in a nursing home
  • Have Medicare Parts A and B

Click the link below to learn more about SNP coverage in Illinois.

Learn more about SNPs

Medicare Supplement Plans in Illinois

Also referred to as a Medigap plan, these MA plans supplement health care costs not covered by Original Medicare. Medigap plans also come with a monthly premium on top of Medicare Part B premiums.

To learn more about Illinois Medigap policies, click the link below.

Learn more about Medigap

Call Buffalo for Illinois Medicare Advantage Plans

Medicare is complicated, but we make it simple. Our experienced, licensed health insurance agents and brokers know the ins and outs of finding the right policies for the people who call us. We operate as health insurance advisors, in addition to being agents. We will never try to pressure you into joining a plan that you don’t want. Give us a call today to get the Medicare coverage you need.

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This is a solicitation for insurance