Medicare Supplement
Medigap in Illinois for 2027: 29 Insurers and the Plans They Sell
CHICAGO — For Illinois residents weighing how to pair Original Medicare with extra protection in 2027, Medicare.gov's Medigap policy search lists 29 insurers for ZIP code 60601, together offering standardized plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. The choices available to any one shopper can vary by ZIP code and by age, sex and tobacco use, but the statewide picture is unusually wide.
Compare Medicare Supplement options near you
Answer 3 quick questions to see Medicare Supplement listings from licensed insurance partners.
What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
This affects which Medicare Supplement options you can choose.
These listings are provided by licensed insurance partners.
Your Medigap rate went up. Your benefits didn't.
Medicare supplement benefits are standardized — identical at any carrier. The only difference is what you pay. One call compares current rates in your area.
- Same plan letter = same benefits, by law
- No fall deadline — switch any month, if your health qualifies
Available now — current wait: 0 min
A real person answers. No phone menu, ever.
Your Medigap rate went up. Your benefits didn't.
Medicare supplement benefits are standardized — identical at any carrier. One call compares current rates in your area.
Available now — current wait: 0 min
A real person answers. About 5 minutes, no obligation.
Agents available Mon–Fri, 8am–6pm CT
Want to see more plan options?
Answer a few more questions to continue to additional options from licensed partners.
Continue →Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.
Speak to a Licensed Insurance Agent
Click to call 855-729-3240Key takeaways
- Medicare.gov's Medigap policy search lists 29 insurers for ZIP code 60601 in Illinois, offering standardized plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.
- Your strongest window to buy a Medigap policy is the six-month Medigap Open Enrollment Period that begins when you are both 65 or older and enrolled in Part B.
- In Illinois, 44 Medicare Advantage plans offered in 2026 are not being offered anywhere in the state in 2027, and members of a plan that does not return get a federal guaranteed-issue right to buy certain Medigap plans.
- Medigap does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment 2027, October 15 – December 7, 2026.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
What is Medigap and how is it different from Medicare Advantage in Illinois?
Medigap, also called Medicare Supplement insurance, is a private policy that works alongside Original Medicare (Part A and Part B) to help pay cost-sharing like coinsurance and deductibles. It is not the same as Medicare Advantage, which replaces the way Original Medicare pays claims by enrolling you in a private plan that bundles Part A, Part B and usually Part D.
With Medigap, you keep Original Medicare and can see any provider in the country who accepts Medicare. Medigap does not include a drug benefit, does not use provider networks the way Advantage plans do, and does not require referrals. The trade-off is that Medigap generally has a monthly premium in addition to your Part B premium, while most Advantage plans fold additional benefits into a single plan.
Which Medigap insurers and plan letters are listed for Illinois in 2027?
Medicare.gov's Medigap policy search lists 29 insurers for ZIP code 60601, with plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N appearing across the market. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.
The insurers listed, in alphabetical order, with the plan letters shown for each: AARP – UnitedHealthcare Insurance Company (A, B, C, F, G, K, L, N); AARP – UnitedHealthcare Insurance Company of America (A, F, G, N); Aetna Health Insurance Company (A, B, F, G, G-HD, N); AFLAC (A, F, G, N); American Benefit Life Insurance Company (A, F, G, N); Atlantic Capital Life Assurance Company (A, F, G, G-HD, K, N); Bankers Life, underwritten by Washington National Insurance Company (A, F, G, G-HD, N); BlueCross BlueShield of Illinois (A, F, F-HD, G, G-HD, N); Erie Family Life Insurance Company (A, F, G, N); Everence Association Inc. (A, F, G, L, N); Globe Life and Accident Insurance Company (A, F, G, G-HD, N); GPM Health and Life Insurance Company (A, F, G, N); Guarantee Trust Life Insurance Company (A, F, G, N); HealthSpring National Health Insurance Company (A, F, G, G-HD, N); Humana (Emphesys Insurance Company) (A, F, G, G-HD, N); Humana Achieve (CompBenefits Insurance Company) (A, F, G, G-HD, N); Insurance Company of North America (A, F, G, G-HD, N); LifeShield National Insurance Company (A, F, G, N); Lumos Insurance (A, F, G, G-HD, N); Medico Insurance Company (A, F, F-HD, G, G-HD, N); Mutual of Omaha (Omaha Insurance Company) (A, F, G, G-HD, N); Nassau Life Insurance Company (A, F, G, N); New Era Life Insurance Company of the Midwest (A, C, D, F, F-HD, M, N); Pekin Life Insurance Company (A, F, G, N); Physicians Mutual Insurance Company, Inc. (A, F, G, G-HD, N); State Farm Mutual Automobile Insurance Company (A, C, D, F, G, N); United American Insurance Company (A, B, C, D, F, F-HD, G, G-HD, K, L, N); USAA Life Insurance Company (A, F, G, N); and WoodmenLife (A, F, G, G-HD, N).
What is sold can differ by ZIP code and by age, sex and tobacco use.
When is the Medigap Open Enrollment Period in Illinois and why does it matter?
The Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are both 65 or older and enrolled in Medicare Part B. During it, you can buy any Medigap policy sold in Illinois from any insurer listed, without medical underwriting.
Outside that window, insurers in most situations can look at your health, charge more, or decline to issue a policy. That is why the six-month window matters so much: inside it, your health history generally cannot be used against you.
What happens to Medigap rights if my Medicare Advantage plan leaves Illinois for 2027?
According to CMS Landscape files, 44 Medicare Advantage plans that are offered in Illinois in 2026 will not be offered anywhere in the state in 2027. If you are enrolled in a plan that is not returning, you have a federal guaranteed-issue right to buy certain Medigap policies, which means an insurer must sell you one of the eligible plans and cannot use your health to decide the price.
Other guaranteed-issue situations exist too — for example, losing employer retiree coverage. Medicare.gov describes each one in detail.
Does Medigap cover prescriptions in Illinois, or do I need a separate Part D plan?
Medigap policies sold today do not cover prescription drugs, so Illinois residents who want drug coverage with Original Medicare and a Medigap plan sign up for a stand-alone Part D plan separately. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), and the most any Part D plan may charge as a deductible is $700. The Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33; actual plan premiums are set plan by plan.
Part D choices for 2027 are made during Annual Enrollment 2027, which runs October 15 – December 7, 2026, with coverage effective January 1, 2027.
How should I compare Medigap policies in Illinois?
Start with the standardized plan letter, because benefits for a given letter are the same from any insurer in Illinois; what differs is price, customer service and how the insurer sets future rate increases. From there, compare quotes from several insurers for the same letter, confirm the policy is available in your ZIP code, and ask how the insurer prices by age.
The Medicare Plan Finder at medicare.gov lets you pull up Medigap options by ZIP code, and plan or insurer documents will show the full terms. The Social Security Administration announced a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which may affect your household budget as you compare.
Where can Illinois residents get free help with Medigap?
Free, personalized help is available from Medicare itself. You can call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week, or use the tools at medicare.gov to compare Medigap policies, Part D plans and Medicare Advantage plans side by side.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Good to know
Frequently asked questions
Does every Illinois Medigap insurer sell every plan letter?
Can I switch from Medicare Advantage to Medigap for 2027?
Do Medigap plans include a Part D drug benefit in 2027?
Where can I confirm which Medigap policies are available at my address?
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- Medicare.gov Medigap policy search
Figures cited in this article
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the standardized plan letters, the six-month Medigap Open Enrollment Period, and guaranteed-issue rights.
- Medicare.gov Medigap policy search: the 29 insurers listed for ZIP code 60601 and the plan letters each sells.
- CMS Landscape Source File: the count of 44 Medicare Advantage plans offered in Illinois in 2026 and not offered anywhere in the state in 2027.
- CMS — Medicare enrollment periods (medicare.gov): the Annual Enrollment 2027 dates of October 15 – December 7, 2026 and the January 1, 2027 effective date.
- CMS — 2027 Part D parameters: the $2,400 out-of-pocket cap, the $700 maximum deductible, and the $41.33 base beneficiary premium.
- Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Content Integrity Standards
- No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
- No plan recommendations. This is educational content. We don't score or recommend specific plans; any Star Ratings shown are Medicare's own CMS ratings, stated as published.
- AI-assisted, human-reviewed. Articles are produced with AI-assisted tools and reviewed by the responsible desk before publishing.
- Inline sourcing. Facts and figures are cited to primary sources — CMS, SSA, and Medicare.gov.
- Correction transparency. We fix errors openly and note when a page was last updated.
- Not a government site. MyMedicarePlans.org is privately owned and not affiliated with or endorsed by Medicare or any government agency.
This page was last updated: October 2026.