County guide · Cook County, IL · 2027 plan year
Original Medicare vs Medicare Advantage in Cook County, IL
This guide lists 47 Medicare Advantage plans for 2027 in Cook County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 47
- $0 premium
- 39 plans
- Lowest in-network limit
- $2,150
- Highest in-network limit
- $9,850
In most states, including Illinois, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Illinois can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later. Illinois’s birthday rule helps only people who already have Medigap, not people who leave Medicare Advantage.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | We have no checked Medigap price for this county yet. Check Medigap prices on Medicare.gov | ||
| DEVOTED GIVEBACK 003 IL (HMO)HMO from Devoted Health · Plan ID H7151-003 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $184.70 of Part B) | $9,850 in network | 4 of 5 | 24 services | $505 | $3,342 | $9,942 |
| HealthSpring Preferred Savings (HMO)HMO from HealthSpring · Plan ID H4513-086 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $135 of Part B) | $4,000 in network | 3.5 of 5 | 24 services | $984 | $3,464 | $7,294 |
| Essence Advantage Select (HMO)HMO from Essence Healthcare · Plan ID H2610-027 · Medicare.gov | $0 plan + Part B $209.50 | $2,900 in network | 4 of 5 | 16 services | $2,584 | $4,499 | $7,814 |
| Aetna Medicare Prime (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H3192-001 · Medicare.gov | $0 plan + Part B $209.50 | $5,900 in network | 3.5 of 5 | 19 services | $2,584 | $5,075 | $10,524 |
| Zing Elite Select IL-IN (HMO)HMO from Zing Health · Plan ID H4624-026 · Medicare.gov | $0 plan + Part B $209.50 | $5,100 in network | 3.5 of 5 | 21 services | $2,529 | $5,084 | $10,014 |
| Humana Essentials Plus Giveback (HMO)HMO from Humana · Plan ID H1468-021 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $50 of Part B) | $4,250 in network | 4 of 5 | 24 services | $1,999 | $5,092 | $8,564 |
| Aetna Medicare Signature (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H1206-003 · Medicare.gov | $0 plan + Part B $209.50 | $5,900 in network | 3.5 of 5 | 19 services | $2,599 | $5,170 | $10,814 |
| HealthSpring Preferred (HMO)HMO from HealthSpring · Plan ID H4513-085 · Medicare.gov | $0 plan + Part B $209.50 | $3,300 in network | 3.5 of 5 | 24 services | $2,599 | $5,174 | $8,214 |
| HealthSpring Premier (HMO-POS)HMO-POS from HealthSpring · Plan ID H4513-084 · Medicare.gov | $0 plan + Part B $209.50 | $4,450 in network | 3.5 of 5 | 24 services | $2,599 | $5,229 | $9,234 |
| Aetna Medicare Prime Extra Care (HMO)HMO from Aetna Medicare · Plan ID H1206-010 · Medicare.gov | $0 plan + Part B $209.50 | $5,200 in network | 3.5 of 5 | 19 services | $2,579 | $5,263 | $10,114 |
| Zing Select Care IL (HMO)HMO from Zing Health · Plan ID H4624-001 · Medicare.gov | $0 plan + Part B $209.50 | $4,950 in network | 3.5 of 5 | 21 services | $2,529 | $5,267 | $9,864 |
| Humana Total Complete (HMO)HMO from Humana · Plan ID H1468-013 · Medicare.gov | $0 plan + Part B $209.50 | $2,150 in network | 4 of 5 | 24 services | $2,574 | $5,462 | $7,064 |
| DEVOTED CORE 001 IL (HMO)HMO from Devoted Health · Plan ID H7151-001 · Medicare.gov | $0 plan + Part B $209.50 | $2,700 in network | 4 of 5 | 24 services | $2,514 | $5,522 | $7,614 |
| Wellcare Simple Exclusive (HMO)HMO from Wellcare · Plan ID H5779-007 · Medicare.gov | $0 plan + Part B $209.50 | $3,200 in network | 3.5 of 5 | 20 services | $2,524 | $5,549 | $8,114 |
| AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-024 · Medicare.gov | $0 plan + Part B $209.50 | $2,900 in network | 3.5 of 5 | 24 services | $2,514 | $5,576 | $7,814 |
| Wellcare Simple Exclusive Value (HMO-POS)HMO-POS from Wellcare · Plan ID H1416-085 · Medicare.gov | $0 plan + Part B $209.50 | $3,200 in network | 3 of 5 | 20 services | $2,524 | $5,589 | $8,114 |
| Aetna Medicare Signature Extra (PPO)PPO from Aetna Medicare · Plan ID H5521-086 · Medicare.gov | $0 plan + Part B $209.50 | $5,500 in network; $10,750 in and out of network | 4 of 5 | 19 services | $2,594 | $5,632 | $10,414 |
| DEVOTED GIVEBACK EXTRAS 008 IL (HMO)HMO from Devoted Health · Plan ID H7151-008 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $5,900 in network | 4 of 5 | 24 services | $1,852 | $5,658 | $9,974 |
| HumanaChoice H5216-283 (PPO)PPO from Humana · Plan ID H5216-283 · Medicare.gov | $0 plan + Part B $209.50 | $4,900 in network; $10,100 in and out of network | 4 of 5 | 24 services | $3,038 | $5,724 | $9,814 |
| Wellcare Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H1416-009 · Medicare.gov | $0 plan + Part B $209.50 | $5,000 in network | 3 of 5 | 20 services | $2,524 | $5,784 | $9,914 |
| AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-075 · Medicare.gov | $0 plan + Part B $209.50 | $4,450 in network | 3.5 of 5 | 24 services | $2,514 | $5,831 | $9,364 |
| Aetna Medicare Signature (PPO)PPO from Aetna Medicare · Plan ID H7301-013 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 19 services | $2,609 | $5,842 | $11,754 |
| Aetna Medicare Premier (PPO)PPO from Aetna Medicare · Plan ID H5521-016 · Medicare.gov | $42 plan + Part B $209.50 | $5,200 in network; $10,750 in and out of network | 4 of 5 | 19 services | $3,058 | $5,861 | $10,618 |
| AARP Medicare Advantage from UHC IL-0001 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-025 · Medicare.gov | $43 plan + Part B $209.50 | $2,900 in network | 3.5 of 5 | 24 services | $3,030 | $5,946 | $8,330 |
| AARP Medicare Advantage from UHC IL-2 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-054 · Medicare.gov | $0 plan + Part B $209.50 | $4,900 in network | 3.5 of 5 | 24 services | $2,514 | $5,976 | $9,814 |
| Blue Cross Medicare Advantage Basic (HMO-POS)HMO-POS from Blue Cross and Blue Shield of IL, NM · Plan ID H3822-001 · Medicare.gov | $29 plan + Part B $209.50 | $5,500 in network | 3 of 5 | 24 services | $2,932 | $5,982 | $9,907 |
| HealthSpring True Choice Savings (PPO)PPO from HealthSpring · Plan ID H7849-080 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $34 of Part B) | $5,000 in network; $8,000 in and out of network | 3 of 5 | 24 services | $2,593 | $6,005 | $9,506 |
| Humana Value Choice (PPO)PPO from Humana · Plan ID H7617-018 · Medicare.gov | $0 plan + Part B $209.50 | $4,300 in network; $6,300 in and out of network | 4.5 of 5 | 24 services | $3,037 | $6,069 | $9,214 |
| Humana Value Choice (PPO)PPO from Humana · Plan ID H5216-251 · Medicare.gov | $0 plan + Part B $209.50 | $4,450 in network; $6,300 in and out of network | 4 of 5 | 24 services | $3,081 | $6,109 | $9,364 |
| DEVOTED CHOICE 010 IL (PPO)PPO from Devoted Health · Plan ID H6545-010 · Medicare.gov | $0 plan + Part B $209.50 | $5,400 in network; $5,400 in and out of network | 4.5 of 5 | 24 services | $2,877 | $6,142 | $10,314 |
| Essence Advantage Choice (PPO)PPO from Essence Healthcare · Plan ID H6200-009 · Medicare.gov | $0 plan + Part B $209.50 | $4,450 in network; $6,450 in and out of network | 4 of 5 | 16 services | $2,609 | $6,204 | $9,364 |
| DEVOTED CHOICE 001 IL (PPO)PPO from Devoted Health · Plan ID H6545-001 · Medicare.gov | $0 plan + Part B $209.50 | $4,700 in network; $7,200 in and out of network | 4.5 of 5 | 24 services | $2,823 | $6,283 | $9,614 |
| Wellcare Simple Essential (HMO)HMO from Wellcare · Plan ID H5779-009 · Medicare.gov | $0 plan + Part B $209.50 | $5,500 in network | 3.5 of 5 | 20 services | $2,554 | $6,304 | $10,414 |
| Wellcare Giveback (HMO)HMO from Wellcare · Plan ID H5779-010 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $37 of Part B) | $7,800 in network | 3.5 of 5 | 20 services | $2,596 | $6,358 | $12,106 |
| Essence Advantage Choice Plus (PPO)PPO from Essence Healthcare · Plan ID H6200-010 · Medicare.gov | $49 plan + Part B $209.50 | $6,700 in network; $10,000 in and out of network | 4 of 5 | 16 services | $3,167 | $6,497 | $11,052 |
| HealthSpring True Choice (PPO)PPO from HealthSpring · Plan ID H7849-002 · Medicare.gov | $0 plan + Part B $209.50 | $4,450 in network; $6,700 in and out of network | 3 of 5 | 24 services | $3,071 | $6,567 | $9,364 |
| AARP Medicare Advantage from UHC IL-5 (PPO)PPO from UnitedHealthcare · Plan ID H8768-010 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $3,229 | $6,823 | $12,064 |
| HumanaChoice R5361-002 (Regional PPO)Regional PPO from Humana · Plan ID R5361-002 · Medicare.gov | $87 plan + Part B $209.50 | $7,700 in network; $14,800 in and out of network | 3.5 of 5 | 24 services | $3,723 | $6,897 | $12,403 |
| HumanaChoice H5216-013 (PPO)PPO from Humana · Plan ID H5216-013 · Medicare.gov | $92 plan + Part B $209.50 | $6,550 in network; $10,100 in and out of network | 4 of 5 | 24 services | $4,320 | $7,468 | $12,568 |
| AARP Medicare Advantage from UHC IL-0004 (PPO)PPO from UnitedHealthcare · Plan ID H8768-005 · Medicare.gov | $84 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $4,237 | $7,756 | $13,072 |
| Essence Advantage Premier Plus (PPO)PPO from Essence Healthcare · Plan ID H6200-011 · Medicare.gov | $267 plan + Part B $209.50 | $2,900 in network; $2,900 in and out of network | 4 of 5 | 16 services | $5,718 | $7,893 | $10,218 |
| AARP Medicare Advantage Patriot No Rx IL-MA2 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-091 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $170 of Part B) | $7,150 in network | 3.5 of 5 | 24 services | $762 | $9,186 | $29,200 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-355 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $150 of Part B) | $6,000 in network; $10,100 in and out of network | 4 of 5 | 24 services | $1,184 | $9,393 | $28,290 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H7617-022 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $150 of Part B) | $6,000 in network; $10,100 in and out of network | 4.5 of 5 | 24 services | $1,184 | $9,393 | $28,290 |
| AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO)PPO from UnitedHealthcare · Plan ID H8768-019 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $160 of Part B) | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $1,597 | $10,082 | $29,320 |
| Aetna Medicare Eagle (PPO)PPO from Aetna Medicare · Plan ID H5521-286 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $5,200 in network; $10,750 in and out of network | 4 of 5 | 19 services | $2,047 | $10,096 | $28,450 |
| Humana USAA Honor Giveback (Regional PPO)Regional PPO from Humana · Plan ID R5361-001 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $30 of Part B) | $6,750 in network; $10,100 in and out of network | 3.5 of 5 | 24 services | $2,624 | $10,836 | $30,480 |
A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for Cook County, IL. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 60010 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 60010 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.