Illinois' Medicare Supplement Insurance Broker
Why You Need Medicare Insurance
Sometimes, Medicare insurance doesn’t provide complete coverage for all your medical needs. In those cases, you may benefit from additional protection through a trusted broker. Illinois Insurance Center offers tailored solutions that help ensure your healthcare needs in Illinois are fully addressed.
Since 1973, Illinois Insurance Center has guided Illinois residents in finding health insurance options that match their personal situations. After nearly five decades, we’re still committed to helping you secure coverage that fits your life. Book an appointment to explore your healthcare coverage options today.
What is Medicare Supplement Insurance?
Medicare supplement insurance, or Medigap, covers the costs that Medicare Parts A and B leave behind, such as copayments and coinsurance. One of the most comprehensive choices is plan F.
At Illinois Insurance Center, your agent will evaluate your lifestyle, medical history, and budget to identify the best available plan. Once you’ve selected the right coverage, our team will take care of the entire enrollment process.
Common Medicare Supplement Insurance Coverages
Medicare Part A Coverage
Medicare Part A helps cover inpatient hospital care, hospice services, and limited skilled nursing facility care. It also covers some home health services. Most people don't pay a premium for Part A if they paid Medicare taxes while working for at least 10 years.
Medicare Part B Coverage
Medicare Part B covers outpatient care such as doctor visits, preventive services, lab work, and durable medical equipment. It also includes some mental health services. Part B requires a monthly premium, and beneficiaries are typically responsible for deductibles and coinsurance for covered services.
Medicare Part C (Medicare Advantage)
Medicare Advantage, or Part C, is offered by private insurers and combines Parts A and B. Many plans also include Part D prescription coverage. These plans often provide extra benefits like vision, dental, and hearing, but may have network restrictions and varying out-of-pocket costs.
Medicare Part D Prescription Drug Coverage
Medicare Part D helps cover the cost of prescription drugs. Offered by private insurance companies, plans vary in covered medications and pricing. Part D typically includes a monthly premium, annual deductible, and copayments, making it essential for managing ongoing prescription costs.
Medigap (Medicare Supplement Insurance)
Medigap plans help cover out-of-pocket costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles. Sold by private insurers, Medigap offers predictable healthcare spending and broad access to providers. These plans do not include prescription drug coverage and require a separate Part D plan.
Understanding Medicare Insurance Coverage Limitations
Medicare supplement insurance offers vital healthcare coverage, but it doesn’t cover everything. Services like long-term care, dental, vision, hearing aids, and cosmetic procedures are generally excluded. Additionally, most prescription drugs aren’t covered under Original Medicare. That’s why many choose to add Medicare or Advantage plans to close these gaps and manage healthcare expenses more effectively.
What’s Not Covered by Medicare Insurance?
✅ Long-term custodial care (e.g., nursing home stays beyond rehabilitation)
✅ Most dental care and dentures
✅ Routine eye exams and eyeglasses
✅ Hearing exams and hearing aids
✅ Cosmetic surgery
✅ Overseas medical care
✅ Acupuncture and alternative therapies
✅ Most prescription drugs (without Part D)
✅ Personal care assistance (e.g., bathing or dressing)
✅ Services from providers who don’t accept Medicare
Do I Need An Insurance?
✅ You’re turning 65 or have a qualifying disability
✅ You want affordable hospital and medical coverage
✅ You need protection against unexpected healthcare costs
✅ You want access to preventive services
✅ You take prescription medications
✅ You prefer nationwide provider access
✅ You’re looking for reliable coverage in retirement
✅ You want peace of mind managing health expenses
✅ You value financial stability in healthcare planning
What Are the Risks If You Don't Have Health Insurance?
✅ High out-of-pocket medical expenses
✅ Limited access to doctors and specialists
✅ No coverage for hospital stays or outpatient care
✅ Ineligibility for supplemental Medicare plans later
✅ Penalties for late enrollment
✅ Gaps in essential healthcare services
✅ Increased financial burden for emergency treatments
✅ Limited prescription drug access
✅ Stress from managing unpredictable costs
✅ Reduced quality of life due to deferred medical care
Why Choose Illinois Insurance Center?
We don’t just offer any plan that fits; we know no health insurance plan is one-size-fits-all. With extensive knowledge of Medicare supplement insurance, our agents find the best plans and discounts to ensure you get top coverage at the best price.
Ready to find your ideal Medicare supplement insurance plan? Contact us online today.
Ready to See Your Savings?
Fill out our quick, no-obligation quote form and discover how affordable peace of mind can be.
