What is Medicare Advantage?
Medicare Advantage (also called Medicare Part C) is an alternative way to get Medicare benefits. These plans are offered by private insurance companies approved by Medicare and include everything Original Medicare covers, plus often much more.
Key Medicare Advantage Benefits
- All-in-one coverage replacing Original Medicare
- Often includes prescription drug coverage (Part D)
- Extra benefits like dental, vision, and hearing aids
- Annual out-of-pocket maximums for protection
- Many plans with $0 monthly premiums
- Coordinated care through local provider networks
Medicare Advantage vs Original Medicare
While Original Medicare is accepted nationwide, Medicare Advantage plans work through local networks of doctors and hospitals. In Illinois, this means you'll have access to excellent healthcare systems like Northwestern Medicine, Rush University Medical Center, University of Chicago Medicine, and other quality providers throughout the state.
Popular Medicare Advantage Extra Benefits
Dental Coverage
Many plans include comprehensive dental benefits for cleanings, fillings, crowns, and even dentures - coverage Original Medicare doesn't provide.
Vision Care
Eye exams, glasses, and contact lenses are often included, helping you maintain your independence and quality of life.
Prescription Drugs
Most Medicare Advantage plans include Part D prescription coverage, eliminating the need for a separate drug plan.
Wellness Programs
Gym memberships, fitness classes, wellness coaching, and preventive care programs to help you stay healthy.
Transportation
Rides to medical appointments, especially valuable in Illinois's spread-out cities and rural areas.
Over-the-Counter Items
Monthly allowances for health-related items like vitamins, first aid supplies, and personal care products.
Medicare Advantage in Illinois
Illinois offers excellent Medicare Advantage options from top-rated insurance companies. Popular carriers include:
- Humana - Strong networks throughout IL with popular Gold Plus plans
- Blue Cross Blue Shield of Illinois - Local favorite with comprehensive coverage
- UnitedHealthcare (AARP) - Nationwide network with local Illinois providers
- Aetna Better Health - Focus on coordinated care and wellness
- Health Alliance - Regional Illinois focus with strong local networks
Who Should Consider Medicare Advantage?
Medicare Advantage can be an excellent choice if you:
- Want all your healthcare coverage in one plan
- Appreciate extra benefits like dental and vision
- Prefer coordinated care through a local network
- Want protection from high out-of-pocket costs
- Like the convenience of one insurance card
- Want a plan with $0 monthly premium
Enrollment Periods
Annual Open Enrollment: October 15 - December 7 each year
Medicare Advantage Open Enrollment: January 1 - March 31 (for current MA members only)
Special Election Periods: Available for qualifying life changes