Medigap in Illinois

Medicare Supplement plans that keep costs predictable

Medicare Supplement insurance, also called Medigap, pays the gaps Original Medicare leaves behind — deductibles, coinsurance and more — and lets you see any doctor in the U.S. who accepts Medicare.

Talk to a licensed agent: (708) 658-0050

Not connected with or endorsed by the U.S. government or the federal Medicare program.

We do not offer every plan available in your area. Currently we represent 27+ organizations which offer 30 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Plans

The three plans most Illinois seniors choose

Plan G

The most comprehensive plan available to new enrollees. Pay the Part B deductible, then virtually nothing else for Medicare-approved care.

Plan N

A lower premium in exchange for modest office and ER copays. Great value for healthy, budget-minded retirees.

High-Deductible G

Same coverage as Plan G after a yearly deductible is met — with a much lower monthly premium.

Compare

Medigap comparison chart

Benefit	Plan G	Plan N	High-Deductible G
Part A hospital coinsurance	✓	✓	✓
Part A deductible	✓	✓	✓
Part B coinsurance	✓	✓ (copays apply)	✓ after deductible
Part B excess charges	✓	—	✓
Skilled nursing coinsurance	✓	✓	✓
Foreign travel emergency	80%	80%	80%
Typical premium	Moderate	Lower	Lowest

Why an independent broker

One call, multiple carriers, zero extra cost

Same price, more choice

Medigap benefits are standardized — Plan G is Plan G. Only price and service differ, so we shop carriers for you.

Rate increase reviews

If your premium jumps, we check whether switching carriers could save you money.

Claims help for life

We stay your agent after enrollment, helping with billing questions and renewals.

FAQ

Medicare Supplement questions

What is the most popular Medicare Supplement plan in Illinois?+

Plan G is the most popular Medigap plan for new enrollees. After you pay the annual Part B deductible, it covers nearly all remaining Medicare-approved costs.

Is Plan N cheaper than Plan G?+

Plan N usually has a lower monthly premium than Plan G. In exchange you pay small copays of up to $20 for some office visits and up to $50 for ER visits that don't result in admission, plus possible Part B excess charges.

When should I buy a Medigap plan?+

The best time is your 6-month Medigap Open Enrollment Period, starting the month you're 65 and enrolled in Part B. During that window carriers can't deny you or charge more because of health conditions.

Questions? A real person answers.

34 years serving South Suburban Chicago and Illinois seniors, families and businesses.

Call (708) 658-0050 Request a quote