2024 Medicare Advantage Plan Facts for Champaign

  • 59.01% of Medicare beneficiaries are enrolled in a Medicare Advantage plan in Champaign.
  • All Medicare beneficiaries in Champaign have access to a $0 premium plan.
  • There are 9 $0 premium Medicare Advantage plans available in Champaign.
  • For those that pay a premium, the average is $64.57 per month.
  • The average out-of-pocket maximum is $4,962 per year.
  • The average prescription drug plan deductible (for plans that include Part D) is $103.61 per month.
  • There are 15 plans available in Champaign that Medicare rated four stars or higher.
  • There are 3 Medicare Advantage plan types you can choose from, including: Local HMO, Local PPO, Regional PPO.
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Why Choose a Medicare Advantage Plan?

There are three primary reasons you may choose to enroll in a Medicare Advantage plan:

  1. Low or no-cost monthly premiums,
  2. Lower out-of-pocket costs, and
  3. Additional benefits such as comprehensive dental, vision, hearing, and more.
Image showing a Medicare Advantage Plan's value

1. Low or no-cost monthly premiums

You have access to a Medicare Advantage plan as low as $0 monthly. If you don't qualify for a $0 premium plan, the average is $64.57 per month. This premium is low, especially compared to a Medicare Supplement plan or your Part B premiums.

2. Lower out-of-pocket costs

Original Medicare doesn't cap their out-of-pocket costs, so you could end up with unexpectedly high medical bills. With Original Medicare Part B, you must pay the premium, deductible, and 20% coinsurance for Medicare-approved services and procedures. The 20% can add up.

3. Additional benefits not available with Original Medicare

Want routine dental coverage? Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) don't offer comprehensive dental, vision, or hearing coverage. These services would be entirely out-of-pocket for you.

The good news? Medicare Advantage plans have low or no-cost premiums, an out-of-pocket maximum, offer additional benefits, and are regulated by the Centers for Medicare & Medicaid Services (CMS). With a Medicare Advantage plan, you could receive prescription drug coverage, routine dental, vision, hearing, transportation, reduced cost-sharing, a gym membership, and more.

Connie Health can help you compare your plan options. Call 1-888-813-8911 to speak with a local licensed agent or explore the 2024 Champaign Medicare Advantage plans below.
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Medicare Advantage Companies in Champaign

4 insurance companies offer Medicare Advantage plans in Champaign.

Organization Name
Health Alliance Medicare
Humana
Lasso Healthcare
Wellcare

Top 5 Medicare Advantage Insurance Companies in Champaign

These 5 Medicare Advantage insurance companies enroll the largest amount of Medicare beneficiaries in Champaign. They offer the most popular plans.

2024 Champaign Medicare Advantage Plans

There are 23 Medicare Advantage plans to choose from in Champaign. Below are the many available options. Click on any of the links to review additional plan details.

Medicare Advantage Plan NamePlan TypeMonthly Plan PremiumMaximum Out-of-PocketRx DeductibleMedicare Star Rating
Health Alliance Medicare HMO 20 RxLocal HMO$125.00$4,000$04
Health Alliance Medicare HMO 40 RxLocal HMO$75.00$4,700$04
Health Alliance Medicare HMO BasicLocal HMO$0.00$6,700-4
Health Alliance Medicare HMO Basic RxLocal HMO$33.00$6,700$04
Health Alliance Medicare HMO Classic RxLocal HMO$0.00$8,300$1004
Health Alliance Medicare POS 10 RxLocal HMO$165.00$4,500$04
Health Alliance Medicare POS 30 RxLocal HMO$105.00$5,500$04
Health Alliance Medicare POS BasicLocal HMO$23.00$6,700-4
Health Alliance Medicare POS Basic RxLocal HMO$53.00$6,700$04
HumanaChoice H5525-068Local PPO$0.00$4,200$2504
HumanaChoice R5361-002Regional PPO$96.00$6,700$5054
Humana HonorRegional PPO$0.00$4,900-4
Lasso Healthcare GrowthMSA----
Lasso Healthcare Growth PlusMSA----
Simplete 1Local HMO$0.00$4,000$04
Simplete 2Local HMO$28.00$4,950$04
Simplete 3Local HMO$48.00$4,950$04
Wellcare Assist CompassLocal HMO$13.40$3,450$5052.5
Wellcare AssistLocal HMO$10.40$3,450$5052.5
Wellcare Giveback OpenLocal PPO$0.00$3,450$02
Wellcare No Premium EssentialLocal HMO$0.00$3,450$02.5
Wellcare No PremiumLocal HMO$0.00$3,450$02.5
Wellcare No Premium OpenLocal PPO$0.00$3,450$02

Top 15 Medicare Advantage Plans with the Highest Star Ratings in Champaign

The Centers for Medicare and Medicaid Services (CMS) rates all Medicare Advantage plans on a scale of 1 to 5 stars. Plans with one star are considered “poor,” while those with five stars are considered “excellent.” Any plan that is four stars and higher is a “top-rated” plan. These are the plans with the highest star ratings in Champaign.

#Plan NamePlan TypeMonthly Plan PremiumMaximum Out-of-PocketRx DeductibleMedicare Star Rating
1Health Alliance Medicare HMO 20 Rx (HMO)Local HMO$125.00$4,000$04
2Health Alliance Medicare HMO 40 Rx (HMO)Local HMO$75.00$4,700$04
3Health Alliance Medicare HMO Basic (HMO)Local HMO$0.00$6,700-4
4Health Alliance Medicare HMO Basic Rx (HMO)Local HMO$33.00$6,700$04
5Health Alliance Medicare HMO Classic Rx (HMO)Local HMO$0.00$8,300$1004
6Health Alliance Medicare POS 10 Rx (HMO-POS)Local HMO$165.00$4,500$04
7Health Alliance Medicare POS 30 Rx (HMO-POS)Local HMO$105.00$5,500$04
8Health Alliance Medicare POS Basic (HMO-POS)Local HMO$23.00$6,700-4
9Health Alliance Medicare POS Basic Rx (HMO-POS)Local HMO$53.00$6,700$04
10HumanaChoice H5525-068 (PPO)Local PPO$0.00$4,200$2504
11HumanaChoice R5361-002 (Regional PPO)Regional PPO$96.00$6,700$5054
12Humana Honor (Regional PPO)Regional PPO$0.00$4,900-4
13Simplete 1 (HMO)Local HMO$0.00$4,000$04
14Simplete 2 (HMO)Local HMO$28.00$4,950$04
15Simplete 3 (HMO-POS)Local HMO$48.00$4,950$04

Find the right Medicare plan for you

Types of Medicare Advantage Plans Available in Champaign

There are 3 Medicare Advantage plan types you can choose from in Champaign. These include: Local HMO, Local PPO, Regional PPO. Not sure which is the best plan for your health needs and budget? We'll walk you through the most popular plan types: HMO, PPO, and SNPs. At the end of this section, you'll understand the difference between these three most popular plan types.

Medicare Advantage HMO Plans

You have 16 Medicare Advantage HMO plans to choose from in Champaign. An HMO, or Health Maintenance Organization, is a type of health plan that limits coverage to in-network care from doctors who work for or contract with the HMO. Typically, HMO plans won't cover out-of-network care except in an emergency.

Medicare Advantage PPO Plans

There are 5 Medicare Advantage PPO plans in Champaign. A PPO, or Preferred Provider Organization, is a type of health plan where you pay less to use doctors in the plan's network. Unlike an HMO, you can see doctors and specialists and use a hospital outside the network without a referral for an additional cost.

Venn diagram comparing Medicare Advantage HMO and PPO plans
Still not sure if an HMO or PPO plan is best for you? A local licensed agent can help you choose the right plan for your health needs and budget - Call 1-888-813-8911 to speak with an agent today.

Medicare Advantage Special Needs Plans (SNPs)

Special Needs Plans, or SNPs, are a type of Medicare Advantage plan. There are two types of Special Needs Plans that may be available to you: Chronic Special Needs Plans (C-SNP) and Dual Special Needs Plans (D-SNP).

Chronic Special Needs Plans (C-SNP) are limited to people with specific illnesses or characteristics. For example, you may qualify for a C-SNP if you have diabetes, End-Stage Renal Disease (ESRD), HIV/AIDS, dementia, chronic heart failure, or other qualifying illness. Medicare C-SNPs tailor benefits, provider choices, and drug formularies to meet the needs of the special needs groups they serve.

You may qualify for a Dual Special Needs Plan (D-SNP) if you are eligible for Medicare and Medicaid. With a D-SNP, the State of Illinois may cover your Medicare costs, depending on your eligibility.

Plans are available to fit your health and finances. You may qualify for a C-SNP or a D-SNP. Call Connie Health at 1-888-813-8911 to determine your eligibility for these tailored plans.

Veteran Benefits & Medicare

If you or your spouse are veterans, you likely have VA benefits. However, the U.S. Department of Veteran Affairs encourages you to sign up for Medicare as soon as you are eligible. Here are three reasons you should speak to a local licensed agent about how VA benefits and Medicare work together:

  1. Having Medicare means you're covered when you need care from a non-VA hospital or doctor, which also offers you greater health options.
  2. VA benefits and health care could change in the future, so you should enroll in every health care benefit that you are eligible for.
  3. If you lose VA benefits and aren't enrolled in Medicare, you could face Medicare Part B and Part D lifetime late enrollment penalties.
Connie Health can help you find a plan that works with your Veteran benefits. Call 1-888-813-8911 to speak with a local licensed agent today.
Image of David Luna, co-founder and Chief Revenue Officer of Connie Health

Speak with a local licensed insurance agent

M-F 9am - 5pm

No obligation to enroll

1-888-813-8911

When to Enroll in a Medicare Advantage Plan in Champaign

Knowing when to enroll or make plan changes can help you save money.

Enrolling in a Medicare Advantage plan for the first time, or are you interested in making a plan change? Skip to the section that applies to you - and mark the dates in your calendar.

Enroll for the First Time

If you're new to Medicare, the best time to enroll in a Medicare Advantage plan is during your Initial Enrollment Period. If you miss that, you can still enroll during the General Enrollment Period (January 1 - March 31) or Special Enrollment Period, but likely with penalties.

Image showing the Initial Enrollment Period for a Medicare Advantage Plan, which is 3 months before or after your 65th birth month

Make a Plan Change

The best time to make a plan change is during the Medicare Annual Enrollment Period (October 15 - December 7). During this time, anyone enrolled in Medicare can review their plan options for the coming year and ensure that their plan choice meets their health and budget needs.

Image showing the Medicare Annual Enrollment Period (AEP), between October 15th and December 7th

If you need to make a plan change because you moved to a new service area or lost coverage, among other reasons, you could qualify for a Special Enrollment Period.

Whether you're enrolling for the first time or making a plan change, a Medicare Advantage plan could fit your health and budget needs. Medicare in Illinois can be confusing, and you don't have to sift through your options alone.

A local licensed agent can help. Call 1-888-813-8911 to speak with an agent today and review your frequently asked questions below.

Medicare Doctors Near Me in Champaign, Illinois

Struggling to find a trustworthy doctor who accepts your Medicare plan? It can be a daunting task but don't worry. With Connie Health, you can easily locate Medicare doctors near you.

No more endless phone calls or web searches. Our platform lets you enter your address and plan information (if you have it), and we'll do the rest. Let us help you eliminate the stress of finding a physician who accepts Medicare.

Why Connie Health

Image listing the benefits of choosing Connie Health for your Medicare Advantage needs: local licensed insurance agents, compare all major insurance, free service, and ongoing support.
A licensed agent is ready to answer your questions. Please call Connie Health at 1-888-813-8911 for help finding a plan tailored to your health and budget.
Image of David Luna, co-founder and Chief Revenue Officer of Connie Health

Speak with a local licensed insurance agent

M-F 9am - 5pm

No obligation to enroll

1-888-813-8911

Frequently Asked Questions

It’s easy to find a trustworthy doctor that accepts Medicare in Champaign. Don’t spend your time on endless phone calls and searches. Instead, the Connie Health tool allows you to enter your address and plan information if you have it. Then, our tool will provide Medicare doctors near you.

Let us help you eliminate the stress of finding a physician who accepts Medicare. Find your Medicare doctor today.

The best Medicare Advantage plan in Champaign is the plan that best serves your health and budget needs. There is no “best plan” because what serves your neighbor likely won't serve you best. Medicare isn't one-size-fits-all.

Every Medicare beneficiary in Champaign has access to a $0 monthly premium Medicare Advantage plan. That is the lowest cost premium, and there are 9 plans with a $0 premium in Champaign. For those that pay a premium, the average monthly cost is $64.57.

18,880 of 31,994 eligible Medicare beneficiaries are enrolled in a Medicare Advantage plan in Champaign. That's 59.01% of the city's Medicare population. These people have chosen to protect themselves from the potentially high out-of-pocket costs of Original Medicare while receiving extra benefits like comprehensive dental, vision, hearing, and more.

Medicare costs include premiums and deductibles, but also copays and coinsurance. These amounts will depend on the plan or plans that you choose. A Medicare Advantage plan in Champaign will cost an average of $64.57 per month for the premium, in addition to the Medicare Part B premium and Medicare Part A, if that applies. Out-of-pocket costs will vary depending on the Medicare-approved services or procedures you need and medications. However, the average Medicare Advantage out-of-pocket maximum is $4,962 per year, and the average prescription drug plan deductible is $103.61.

A Medicare Advantage plan includes Medicare Part A and B, oftentimes prescription drug coverage, and extra benefits like dental, vision, and hearing. These plans are also called Medicare Part C plans. Medicare Supplement plans, also called Medigap, supplements your Original Medicare benefits and pays for out-of-pocket medical expenses not covered by Part A and Medicare Part B. A Medicare Supplement plan only works with Original Medicare and doesn't include extra benefits.