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  1. 🏠
  2. Medicare Advantage Plans
  3. Illinois
  4. Clinton County

2027 Medicare Advantage Plans in Clinton County, IL

Last update: October 5, 2026.

For 2027, Clinton County, IL includes 38 Medicare Advantage plans. Enrollment across these plans totals approximately 1,787, with 28 $0 premium options and 69% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Clinton County, IL are provided separately. Or you can discover all Medicare Options in Clinton County, IL.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $19.29/mo
  • $0 Premium Plans: 28
  • Average MOOP: $5,545 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 69% · 3 Stars: 31% · Below 3: 0%
  • Average Part D Deductible: $639.09
  • Total MA/MAPD Enrollment: 1,787
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 693 enrollees
    2. AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 428 enrollees
    3. Essence Advantage Select (HMO) — 139 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
20
Average Monthly Premium
$27.00/mo
Total PPO Enrollment
341
$0 Premium PPO Plans
14
Average MOOP
$5,940
Top PPO by Enrollment
Humana Value Choice (PPO) — 60 enrollees
PPO Plans Without Drug Coverage
4

2027 PPO Medicare Advantage plans in Clinton County, Illinois (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Full Access
☆☆☆☆☆
$0 $6,600 $500 H7617-008-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H7617-012-0
Humana Value Choice
☆☆☆☆☆
$0 $4,400 $700 H7617-023-0
HumanaChoice Giveback H7617-013
☆☆☆☆☆
$0 $5,000 $700 H7617-013-0
AARP Medicare Advantage from UHC ST-0001
☆☆☆☆☆
$58 $7,150 $685 H2406-043-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $4,900 N/A H7301-023-0
Aetna Medicare Enhanced
☆☆☆☆☆
$58 $4,900 $700 H7301-009-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,900 $700 H7301-007-0
Essence Advantage Choice
☆☆☆☆☆
$40 $9,850 $700 H6200-001-0
Essence Advantage Premier Plus
☆☆☆☆☆
$264 $2,900 $700 H6200-008-0
Humana Full Access
☆☆☆☆☆
$0 $6,350 $500 H5216-407-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H5216-278-1
Humana Value Choice
☆☆☆☆☆
$0 $4,450 $700 H5216-318-1
HumanaChoice Giveback H5216-403
☆☆☆☆☆
$0 $5,000 $700 H5216-403-0
HumanaChoice H5216-399
☆☆☆☆☆
$33 $6,250 $700 H5216-399-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A R5361-001-0
HumanaChoice R5361-002
☆☆☆☆☆
$87 $7,700 $700 R5361-002-0
DEVOTED CHOICE 005 IL
☆☆☆☆☆
$0 $4,450 $650 H8320-005-0
DEVOTED CHOICE GIVEBACK 006 IL
☆☆☆☆☆
$0 $9,850 $461 H8320-006-0
DEVOTED CHOICE GIVEBACK EXTRAS 020 IL
☆☆☆☆☆
$0 $7,000 $700 H8320-020-0

What is the typical premium for PPO plans available in Clinton?

PPO plans in Clinton cost $27.00 per month on average.

Which PPO plan do most beneficiaries choose in Clinton?

The most popular PPO plan in Clinton is Humana Value Choice (PPO), with 60 enrollees.

How many PPO options are offered without drug coverage in Clinton?

4 PPO plans in Clinton do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 10
  • Average Monthly Premium $11.40/mo
  • Total HMO Enrollment 218
  • $0 Premium HMO Plans 8
  • Average MOOP $4,235
  • Top HMO by Enrollment Essence Advantage Select (HMO) — 139 enrollees
  • HMO Plans Without Drug Coverage 0

2027 HMO Medicare Advantage plans in Clinton County, Illinois (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $4,200 $700 H0028-065-0
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $4,200 $700 H4461-045-0
Humana Total Complete
☆☆☆☆☆
$0 $2,850 $700 H4461-046-0
Humana Total Complete
☆☆☆☆☆
$0 $2,850 $700 H0028-014-0
Essence Advantage
☆☆☆☆☆
$0 $3,400 $0 H2610-005-0
Essence Advantage Plus
☆☆☆☆☆
$59 $2,900 $450 H2610-006-0
Essence Advantage Select
☆☆☆☆☆
$0 $4,450 $450 H2610-016-0
Aetna Medicare Enhanced
☆☆☆☆☆
$55 $4,200 $700 H1206-011-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,800 $700 H5779-010-0
Wellcare Simple Essential
☆☆☆☆☆
$0 $5,500 $700 H5779-009-0
What is the total number of HMO plans offered in Clinton?

In 2027, Clinton County has 10 HMO plans with 218 enrollees.

How much do HMO plans cost in Clinton?

The typical HMO premium in Clinton is $11.40, and 8 plans have no monthly premium.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
6
Average Monthly Premium
$3.17/mo
Total HMO-POS Enrollment
1,228
$0 Premium HMO-POS Plans
5
Average MOOP
$5,317
Top HMO-POS by Enrollment
AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 693 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Clinton County, Illinois (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage CareFlex from UHC ST-6
☆☆☆☆☆
$0 $7,150 $685 H2802-073-0
AARP Medicare Advantage Essentials from UHC ST-3
☆☆☆☆☆
$0 $4,450 $685 H2802-028-0
AARP Medicare Advantage Extras from UHC ST-4
☆☆☆☆☆
$19 $4,450 $685 H2802-052-0
AARP Medicare Advantage Patriot No Rx MO-MA01
☆☆☆☆☆
$0 $5,900 N/A H2802-050-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $4,450 $700 H2663-103-0
Wellcare Simple Value
☆☆☆☆☆
$0 $5,500 $700 H1416-084-0
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Clinton cost $3.17 per month on average.
Which HMO-POS plan is most popular in Clinton?
The most popular HMO-POS plan in Clinton is AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS), with 693 enrollees.
How many HMO-POS plans in Clinton do not include drug coverage?
There are 1 HMO-POS plans in Clinton without prescription drug coverage.

Medicare Advantage PFFS Plans

Private Fee-for-Service (PFFS) plans allow members to visit any Medicare-approved provider that accepts the plan’s payment terms. This provides flexibility in choosing doctors and hospitals, but provider acceptance should be confirmed before receiving care.

  • Total PFFS Plans 2
  • Average Monthly Premium $30.00/mo
  • Total PFFS Enrollment 0
  • $0 Premium PFFS Plans 1
  • Average MOOP $8,825
  • Top PFFS by Enrollment — 0 enrollees
  • PFFS Plans Without Drug Coverage 1

2027 PFFS Medicare Advantage plans in Clinton County, Illinois (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Gold Choice H8145-006
☆☆☆☆☆
$60 $7,800 $700 H8145-006-0
Humana Gold Choice H8145-126
☆☆☆☆☆
$0 $9,850 N/A H8145-126-0
What is the total number of PFFS plans in Clinton?

There are 2 PFFS plans in 2027, covering 0 enrollees.

How much do PFFS plans cost in Clinton?

The average PFFS premium in Clinton is $30.00 per month, with 1 plans offering $0 premiums.

What is the top PFFS plan in Clinton?

is the top PFFS in Clinton, with 0 enrollees.

What is the number of PFFS plans without Part D coverage in Clinton?

1 PFFS plans in Clinton do not include prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Clinton County, IL (2027) are summarized below.

Quality Ratings for Medicare Advantage Plans in Clinton County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 24 69%
3 Stars 11 31%
Below 3 Stars 0 0%
Not Rated 3 8%
Average Rating 3.94

* Star ratings are based on CMS quality measures and reflect plan performance for the 2027 rating period.

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Understanding Medicare Advantage Plans 25 May, 2025
Medicare.gov Explore your Medicare coverage options 25 May, 2025
NCOA.org 5 Steps to Choosing the Right Medicare Plan for You 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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