Medicare Supplement Insurance In Illinois

Understanding Medigap Plans In Plain Language

Medicare explained for beginners often starts with Original Medicare Parts A and B. Medicare leaves some gaps like deductibles and coinsurance, which is where Medicare Supplement plans step in. These Medigap policies are issued by private insurers and are standardized by letter, so a Plan G from one company has the same core benefits as a Plan G from another. You keep Original Medicare and add a Supplement for predictable costs when you visit Blessing Hospital, a Quincy clinic, or a specialist in Hannibal or Keokuk. Medigap is different from Medicare Advantage plans and cannot be used at the same time.

A family is moving into a new home carrying boxes.
A man is standing next to a woman and a man in an empty room.

Filling Medicare’s Gaps With Confidence

Popular choices like Plan G and Plan N pay the 20 percent that Part B leaves behind and most hospital costs under Part A. Plan G covers nearly all costs except the Part B deductible, while Plan N offers slightly lower premiums with small copays at some visits. There are no provider networks with Medigap, so you can see any doctor nationwide who accepts Medicare, whether you are in Quincy’s The District, across the river in Palmyra, or visiting family near Macomb. If you want a quick refresher on A, B, C, and D, visit Medicare Basics for the big picture on how Medicare works.

When To Apply For A Medicare Supplement

Your Medigap Open Enrollment Period starts when you are 65 or older and first enroll in Part B. For six months, you have guaranteed access to any plan offered in your area with no health underwriting. After that window, you can still apply, but health questions may apply unless you qualify for a special guaranteed right, such as losing employer group coverage or moving out of a Medicare Advantage service area. If you are unsure whether now is the best time, contact our team for local guidance across Illinois, Missouri, and Iowa.

What Medicare Supplement Plans Cost In Illinois

Premiums vary by plan letter, age, zip code, and tobacco use. Many new enrollees in the Quincy area choose Plan G for broad coverage, while value shoppers consider Plan N for lower premiums. Rates can change over time, so our team reviews options each year. Since Medigap does not include drug benefits, we will pair your Supplement with Medicare Part D and, if needed, stand-alone dental or vision so your coverage is complete.

How We Help You Decide With Confidence

Thomas Family Insurance compares carriers side by side, checks your doctors, and estimates your total annual costs so there are no surprises. If you travel, split time between states, or prefer simple billing with minimal copays, a Supplement may fit your needs. If you prefer a single plan with extras like dental or vision, Medicare Advantage plans may be a better choice. Either way, our family team meets you in person in Quincy, Pittsfield, or Monticello to make the decision easy.

Straight Answers To Common Questions

  • Which is better, Plan G or Plan N

    Plan G usually offers the most predictable costs by covering almost everything except the Part B deductible. Plan N trades lower premiums for small doctor and emergency room copays. We will compare both for your situation.

  • Will my premiums increase over time

    Most carriers raise rates periodically. We shop the market if your rate changes, and we can help you switch if underwriting allows.

  • Do Medicare Supplements include prescriptions

    Supplements only cover the Part A and Part B gaps. You will need Medicare Part D for prescriptions, which we review alongside your medications and pharmacies.