Illinois › Gallatin County
Medicare plans in Gallatin County, Illinois
2026 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Gallatin County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (14 plans)
- Part D drug plans (12 plans)
- Special needs plans (5 plans)
- Medicare Advantage without drug coverage (7 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Gallatin County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Gallatin County
At a glance
- 21 Medicare Advantage plans are open to anyone with Medicare here; 16 charge no monthly premium.
- 9 give back part of your Part B premium, up to $145 a month.
- The lowest yearly limit on what you pay for in-network care is $3,900.
- 12 Part D drug plans, from $0 to $119.70 a month.
Medicare Advantage plans with drug coverage 14
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| HumanaChoice Giveback H5216-403 (PPO) Humana · H5216-403-000 | PPO | $0/moGives back $71/mo of your Part B premium | $4,500 | 3.5★ |
| HumanaChoice Giveback H7617-013 (PPO) Humana · H7617-013-000 | PPO | $0/moGives back $71/mo of your Part B premium | $4,500 | 4.5★ |
| Wellcare Giveback (HMO) Wellcare · H5779-010-000 | HMO | $0/moGives back $50/mo of your Part B premium | $7,500 | 3.0★ |
| Blue Cross Medicare Advantage Basic (HMO) Blue Cross and Blue Shield of IL, NM · H3822-012-000 | HMO | $0/mo | $5,500 | 3.5★ |
| Wellcare Simple Essential (HMO) Wellcare · H5779-002-000 | HMO | $0/mo | $4,200 | 3.0★ |
| Wellcare Simple Essential Value (HMO) Wellcare · H5779-009-000 | HMO | $0/mo | $3,900 | 3.0★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H7301-027-000 | PPO | $0/mo | $9,250 | 3.5★ |
| Blue Cross Medicare Advantage Health Choice (PPO) Blue Cross and Blue Shield of IL, NM, OK, TX · H8634-018-000 | PPO | $0/mo | $9,000 | 3.0★ |
| Blue Cross Medicare Advantage Dental Premier (PPO) Blue Cross and Blue Shield of IL, NM, OK, TX · H8634-021-000 | PPO | $0/mo | $7,500 | 3.0★ |
| HumanaChoice H5216-399 (PPO) Humana · H5216-399-000 | PPO | $18/mo | $6,000 | 3.5★ |
| Humana Gold Choice H8145-006 (PFFS) Humana · H8145-006-000 | PFFS | $37/mo | $6,800 | 3.5★ |
| AARP Medicare Advantage from UHC IA-0002 (HMO-POS) UnitedHealthcare · H5253-108-001 | HMO-POS | $45/mo | $4,900 | 4.0★ |
| Aetna Medicare Enhanced (PPO) Aetna Medicare · H7301-034-000 | PPO | $69/mo | $8,750 | 3.5★ |
| HumanaChoice R5361-002 (Regional PPO) Humana · R5361-002-000 | Regional PPO | $103/mo | $7,200 | 3.0★ |
Part D drug plans 12
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Illinois.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Humana Basic Rx Plan (PDP) Humana · S5884-107-000 | $0/mo | $615 | 3★ |
| Humana Value Rx Plan (PDP) Humana · S5884-196-000 | $0/mo | $601 | 3★ |
| Wellcare Classic (PDP) Wellcare · S4802-087-000 | $0/mo | $615 | 3.5★ |
| Wellcare Value Script (PDP) Wellcare · S4802-151-000 | $0/mo | $615 | 3.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-362-000 | $40.20/mo | $615 | 2★ |
| HealthSpring Extra Rx (PDP) Cigna Healthcare · S5617-367-000 | $66.60/mo | $615 | 2.5★ |
| Blue Cross MedicareRx Basic (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-012-000 | $89.70/mo | $615 | 2★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-034-000 | $94.90/mo | $615 | 3★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-398-000 | $103.90/mo | $130 | 2★ |
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-224-000 | $104.20/mo | $615 | 2.5★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-163-000 | $119.40/mo | None | 3★ |
| Blue Cross MedicareRx Value (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-001-000 | $119.70/mo | $615 | 2★ |
Special needs plans 5
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| Molina Medicare Complete Care Plus (HMO D-SNP) Molina Healthcare of Illinois · H3093-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | Not yet rated |
| Humana Dual Fully Integrated (HMO D-SNP) Humana · H4329-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | Not yet rated |
| Wellcare Meridian Dual Align (HMO D-SNP) Wellcare By Meridian · H6971-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $14.20/mo | $9,250 | Not yet rated |
| UHC Complete Care Support IL-1A (PPO C-SNP) UnitedHealthcare · H2001-038-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $15.20/moGives back $0.90/mo of your Part B premium | $9,250 | 4.5★ |
| Aetna Medicare FIDE (HMO D-SNP) Aetna Medicare FIDE · H9771-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $15.20/mo | $9,250 | Not yet rated |
Medicare Advantage plans without drug coverage 7
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana · H5216-355-000 | PPO | $0/moGives back $145/mo of your Part B premium | $6,000 | 3.5★ |
| Humana USAA Honor Giveback (PPO) Humana · H7617-022-000 | PPO | $0/moGives back $145/mo of your Part B premium | $6,000 | 4.5★ |
| Wellcare Patriot Giveback (HMO) Wellcare · H5779-011-000 | HMO | $0/moGives back $120/mo of your Part B premium | $5,500 | 3.0★ |
| Aetna Medicare Eagle (PPO) Aetna Medicare · H7301-023-000 | PPO | $0/moGives back $70/mo of your Part B premium | $4,500 | 3.5★ |
| Blue Cross Medicare Advantage Protect (PPO) Blue Cross and Blue Shield of IL, NM, OK, TX · H8634-019-000 | PPO | $0/moGives back $40/mo of your Part B premium | $6,750 | 3.0★ |
| Humana USAA Honor Giveback (Regional PPO) Humana · R5361-001-000 | Regional PPO | $0/moGives back $30/mo of your Part B premium | $6,750 | 3.0★ |
| Humana Gold Choice H8145-126 (PFFS) Humana · H8145-126-000 | PFFS | $0/mo | $6,700 | 3.5★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $122–$955/mo from 40 companies, at age 65.
- Plan N: $92–$800/mo from 40 companies, at age 65.
Discussion
Questions and experiences from other visitors. Comment guidelines
Loading the discussion…