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Medicare Supplement Insurance Plans in Illinois

If you are tired of paying the high out-of-pocket costs associated with Original Medicare, one of the Medicare Supplement insurance plans in Illinois might be right for you. You have to be enrolled in Original Medicare to purchase one of these plans. Once you get your plan, it will cover some of your costs, such as deductibles, copayments, and coinsurance. These plans only work with Original Medicare (Part A and Part B). They will not cover out-of-pocket expenses if you have a Medicare Advantage (Part C) plan.

Plan Options

You can choose from 10 Medicare Supplement insurance plans in Illinois. Each plan is designated with a letter from A-N, and your coverage will depend on the plan you choose. The coverage included in the plans is the same, regardless of where you live in Illinois. For instance, if you live in Chicago and select Plan N, you will receive the same benefits as someone in Joliet who has that same plan.

While the plans are the same, the premiums may vary. Insurance companies set rates and sometimes, the rates are based on location. Also, plan availability varies from one location to the next. An insurance company might offer an assortment of Medicare Supplement insurance plans in one part of the state but not in another, so getting quotes before making a selection is critical.

How to Enroll in a Medicare Supplement Insurance Plan

You don’t have to wait for an enrollment period to get a Medicare Supplement insurance plan. You can get one as soon as you are eligible, or wait and get one down the road. Still, the best time to enroll is during the Medigap Open Enrollment Period. This period starts when you turn 65, as long as you are enrolled in Medicare Part B. The enrollment period lasts for a full six months, and during this period, you will have guaranteed-issue rights. That means you won’t have to worry about being turned down for coverage, and you also can’t be charged more due to health issues.

If you choose to wait until after the Open Enrollment Period, your policy will have to go through medical underwriting unless you meet certain criteria. For instance, if you have Medigap coverage and the company goes out of business, you will retain your guarantee-issue rights.

How to Select a Medicare Supplement Plan

There are two things to keep in mind when shopping for Medicare Supplement insurance plans in Illinois. First, you need to choose the right plan. With 10 options, it’s critical to look at all the benefits and choose the one that provides the right coverage.

Second, you need to consider the cost. Insurance companies set their own rates, so if you fail to look at quotes, you can end up overpaying for coverage.

Speak to a licensed insurance agent to get help selecting a plan. The insurance agent will help you determine the coverage you need and then provide quotes for the plans that are available in your area.

Call 844-903-4406 to speak to an agent today.

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