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Medicare Advantage plans in Monroe County, IL for 2027
41 Medicare Advantage plans from 8 companies are available in Monroe County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 21. Lowest in-network out-of-pocket limit: $2,900.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (28)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Essence Advantage (HMO) Essence Healthcare | HMO | $0 | $0 | $3,400 | 4.5 |
| AARP Medicare Advantage from UHC ST-1P (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $4,100 | 4 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $4,400 | 4.5 |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $4,450 | 4 |
| Aetna Medicare Signature (HMO-POS) Aetna Medicare | HMO-POS | $0 | $700 | $4,450 | 4 |
| DEVOTED CHOICE 005 IL (PPO) Devoted Health | PPO | $0 | $650 | $4,450 | — |
| Essence Advantage Select (HMO) Essence Healthcare | HMO | $0 | $450 | $4,450 | 4.5 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $4,450 | 3.5 |
| HumanaChoice Giveback H5216-403 (PPO) Humana | PPO | $0 | $700 | $5,000 | 3.5 |
| HumanaChoice Giveback H7617-013 (PPO) Humana | PPO | $0 | $700 | $5,000 | 4.5 |
| Wellcare Simple Essential (HMO) Wellcare | HMO | $0 | $700 | $5,500 | 3 |
| Wellcare Simple Value (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $5,500 | 3 |
| Aetna Medicare Signature (PPO) Aetna Medicare | PPO | $0 | $700 | $5,900 | 3.5 |
| DEVOTED CHOICE GIVEBACK EXTRAS 020 IL (PPO) Devoted Health | PPO | $0 | $700 | $7,000 | — |
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $7,150 | 4 |
| Wellcare Giveback (HMO) Wellcare | HMO | $0 | $700 | $7,800 | 3 |
| DEVOTED CHOICE GIVEBACK 006 IL (PPO) Devoted Health | PPO | $0 | $461 | $9,850 | — |
| HealthSpring True Choice (PPO) HealthSpring | PPO | $6 | $700 | $7,150 | 3 |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) UnitedHealthcare | HMO-POS | $19 | $685 | $4,450 | 4 |
| HumanaChoice H5216-399 (PPO) Humana | PPO | $33 | $700 | $6,250 | 3.5 |
| Essence Advantage Choice (PPO) Essence Healthcare | PPO | $40 | $700 | $9,850 | 3.5 |
| Aetna Medicare Enhanced (HMO) Aetna Medicare | HMO | $55 | $700 | $4,200 | — |
| Aetna Medicare Enhanced (PPO) Aetna Medicare | PPO | $58 | $700 | $4,900 | 3.5 |
| AARP Medicare Advantage from UHC ST-0001 (PPO) UnitedHealthcare | PPO | $58 | $685 | $7,150 | 4 |
| Essence Advantage Plus (HMO) Essence Healthcare | HMO | $59 | $450 | $2,900 | 4.5 |
| HumanaChoice H5216-032 (PPO) Humana | PPO | $76 | $700 | $9,250 | 3.5 |
| HumanaChoice R5361-002 (Regional PPO) Humana | Regional PPO | $87 | $700 | $7,700 | 3 |
| Essence Advantage Premier Plus (PPO) Essence Healthcare | PPO | $264 | $700 | $2,900 | 3.5 |
Plans without drug coverage (4)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $4,700 | 3.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $4,700 | 4.5 |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $5,900 | 4 |
| Humana USAA Honor Giveback (Regional PPO) Humana | Regional PPO | $0 | $6,750 | 3 |
Special needs plans (9)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| DEVOTED C-SNP CHOICE ENHANCED 014 IL (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $465 | $4,700 | — |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 017 IL (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $700 | $7,000 | — |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare | HMO C-SNP | $0 | $700 | $7,150 | 4 |
| Humana Dual Fully Integrated (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $9,250 | — |
| Aetna Medicare FIDE (HMO D-SNP) Aetna Medicare FIDE | HMO D-SNP | $0 | $700 | $9,850 | — |
| DEVOTED C-SNP CHOICE PLUS 012 IL (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $461 | $9,850 | — |
| Molina Medicare Complete Care Plus (HMO D-SNP) Molina Healthcare of Illinois | HMO D-SNP | $0 | $700 | $9,850 | — |
| Wellcare Meridian Dual Align (HMO D-SNP) Wellcare | HMO D-SNP | $0 | $700 | $9,850 | — |
| UHC Complete Care Support ST-1A (PPO C-SNP) UnitedHealthcare | PPO C-SNP | $5.30 | $700 | $9,850 | 4.5 |
Stand-alone Part D drug plans in Illinois →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).