Do you have questions regarding your Medicare eligibility in Illinois? HealthMarkets can provide answers and help you find the right Medicare plan.
Illinois has more than 2 million residents enrolled in a Medicare plan as of 20201 and over 49% of Medicare beneficiaries who applied for Extra Help with their prescription drug plan costs were approved.2
Are you ready to see what you could be eligible for?
When Can You Get Medicare in Illinois?
You may be eligible for Medicare in Illinois if you’re a U.S. citizen or a permanent legal resident who has lived in the U.S. for more than five years and one or more of the following applies to you:3
- You are age 65 or older.
- You are under 65, disabled, and receive disability benefits from Social Security or the Railroad Retirement Board.
- You have end-stage renal disease (ERSD).
- You have ALS (Amyotrophic Lateral Sclerosis), also known as Lou Gehrig’s disease.
What Can I Enroll in With IL Medicare Eligibility?
Once your Medicare eligibility in Illinois is confirmed, you can enroll in a number of Medicare plans, depending on your needs. These include Medicare Parts A, B, C, D, or a Medicare Supplement (Medigap) plan. .
Let’s start with the Parts of Medicare offered in Illinois:
- Medicare Part A is inpatient hospitalization insurance.
- Medicare Part B acts as medical insurance, including doctor visits, lab work, and other outpatient care.
- Medicare Parts A and B are known as Original Medicare.3
- Medicare Part C (Medicare Advantage) is offered by private companies and bundle Part A, Part B and other coverage (prescription drugs, dental, hearing, and vision) into a single plan.4
- Medicare Part D provides prescription drug coverage.5 With Original Medicare, drug coverage is not included and needs to be purchased separately. Most Medicare Advantage plans include Part D coverage. Some individuals qualify for a program called Extra Help, which can lower the costs of prescription drug plans.
You can supplement your Original Medicare coverage with a Medicare Supplement plan, which can help cover out-of-pocket expenses such as deductibles and copays. These plans are also called Medigap plans. You cannot choose a Medigap plan if you have a Medicare Advantage plan, so be sure to carefully evaluate your best options.
Are Illinois Teachers Eligible for Medicare?
Yes, Illinois teachers who are U.S. citizens are eligible for Medicare when they turn 65.3
It is important to note that group Medicare Advantage plans for Illinois teachers may be available depending on if your school district has selected a group retirement plan. Consult with your school district administrators to learn more about your what specific benefits are offered to you.
How do I apply for Medicare in Illinois?
You can apply for Original Medicare in Illinois by contacting Social Security during your Initial Medicare Enrollment Period, which takes place from three months before the month you turn 65, the month you turn 65, and the three months after that month. If you miss this seven-month window, you can enroll during the General Enrollment Period from January 1 through March 31.
Medicare Advantage and Medicare Part D can be applied for when you first get Medicare. However if you choose not to, you can apply during the annual Medicare Open Enrollment Period, October 15–December 7.6
If you’re ready to start shopping for a Medicare Advantage, Medicare Supplement, or Medicare Part D Plan, get your free FitScore® with HealthMarkets. It will help you find Medicare plans that best fit your needs.
Get started on your Medicare journey with HealthMarkets today.
1. KFF. 2020. Retrieved from https://www.kff.org/medicare/state-indicator/total-medicare-beneficiaries/ | 2. SSA. 2020. Retrieved from https://www.ssa.gov/open/data/Data-about-Extra-Help-with-Medicare-Prescription-Drug-Plan-Cost.html | 3. CMS. Retrieved from https://www.cms.gov/Medicare/Eligibility-and-Enrollment/OrigMedicarePartABEligEnrol Accessed on January 20, 2021 | 4. Medicare.gov. Retrieved from https://www.medicare.gov/Pubs/pdf/12026-Understanding-Medicare-Advantage-Plans.pdf Accessed on January 20, 2021 | 5. Medicare.gov. Retrieved from https://www.medicare.gov/drug-coverage-part-d/what-medicare-part-d-drug-plans-cover Accessed on January 20, 2021 | 6. Medicare.gov. Retrieved from https://www.medicare.gov/blog/medicare-enrollment-period-2020. Accessed on January 20, 2021.
HealthMarkets’ FitScore intends to identify plans that fit your needs. You should carefully review official plan materials.