Medicare Advantage HMO plans in Illinois
There are 68 Medicare Advantage HMO plans in Illinois from 13 carriers, averaging 3.70 out of 5 stars across the 64 plans CMS has rated. 83% of those with a published premium charge $0 a month (57 of 68); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.
Across the 68 HMO plans in Illinois that publish one, the in-network out-of-pocket maximum has a median of $5,050 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $5,561, which sits above the median — the spread is not symmetric, so the median is the better guide.
Illinois has 1 five-star Medicare Advantage HMO plan.
Of the 68 HMO plans here, 1 carry CMS's top overall rating of 5 stars and 23 rate 4 or above. That matters beyond quality: a 5-star plan can be joined at almost any point in the year through a special enrollment period, rather than only during the autumn window.
Illinois HMO plans rank 29th of 49 on star rating.
Across the 64 rated plans here the average overall rating is 3.70 stars, 29th highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Top-rated HMO plans in Illinois
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Longevity Health Plan (HMO I-SNP)Longevity Health · Institutional SNP | 5★ | $9,350 | $3.20 |
| Humana Total Complete (HMO)Humana | 4.5★ | $2,850 | $0 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana · Chronic or Disabling Condition SNP | 4.5★ | $3,900 | $0 |
| Humana Essentials Plus Giveback (HMO)Humana | 4.5★ | $4,200 | $0 |
| DEVOTED CORE 001 IL (HMO)Devoted Health | 4★ | $2,700 | $0 |
Showing 5 of 68. See all IllinoisMedicare Advantage plans →
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| UnitedHealthcareUnitedHealth Group, Inc. | 14 | 3.6 | 2 |
| Aetna MedicareCVS Health Corporation | 11 | 3.5 | 2 |
| HumanaHumana Inc. | 10 | 4.3 | 3 |
| WellcareCentene Corporation | 7 | 3.3 | 1 |
| Zing HealthZing Health Consolidator, Inc | 7 | 3.5 | 5 |
| Devoted HealthDevoted Health, Inc. | 6 | 4.0 | 3 |
| Essence HealthcareLumeris Group Holdings Corporation | 4 | 4.0 | — |
| HealthSpringHealth Care Service Corporation | 3 | 3.5 | — |
| Blue Cross and Blue Shield of IL, NMHealth Care Service Corporation | 2 | 3.0 | — |
| Aetna Medicare FIDECVS Health Corporation | 1 | — | 1 |
| Longevity HealthLongevity Health Founders, LLC | 1 | 5.0 | 1 |
| Molina Healthcare of IllinoisMolina Healthcare, Inc. | 1 | — | 1 |
How HMO compares
States with similar HMO star ratings
Illinois Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Illinois?
What are the star ratings for Illinois HMO plans?
How many Medicare Advantage HMO plans are available in Illinois?
Do Illinois HMO plans include prescription drug coverage?
What is a Special Needs Plan, and are there any in Illinois?
A $0 premium is not the whole cost.
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