- Entity
- county:illinois-effingham-17049
- Digest
- 2026-county-ma-aggregate
- Population Scope
- Standard Medicare Advantage plans only; Special Needs Plans (SNPs) excluded
- Source URL
- https://www.medicareplans.com/medicare-advantage/illinois/effingham/
- Glossary Scope
- cms_landscape
- Fragment Scope
- semantic-digest
- Method
- https://webmem.com/protocol/serialization/html/
- fragment-county-plan-index
- Total Standard Medicare Advantage Plans
- 18
- PPO Plans
- 13
- HMO Plans
- 4
- HMO-POS Plans
- 1
- PFFS Plans
- 0
- Average Monthly Premium
- 11.28
- Average MOOP
- 5827.78
- Average Part D Deductible
- 607.08
- $0 Premium Plans
- 14
- Plans Without Part D Coverage
- 6
- Average CMS Star Rating
- 3.39
- $0 Premium Plan Share
- 77.78
- 5-Star Plan Share
- 0
- 4+ Star Plan Share
- 17
- 3-Star Plan Share
- 83
- Below 3-Star Plan Share
- 0
- Not-Rated Plan Share
- 0
- PPO Average Monthly Premium
- 12.15
- PPO Average MOOP
- 6069.23
- PPO Enrollment
- 816
- PPO $0 Premium Plans
- 10
- PPO Plans Without Part D Coverage
- 5
- HMO Average Monthly Premium
- 0
- HMO Average MOOP
- 5275
- HMO Enrollment
- 80
- HMO $0 Premium Plans
- 4
- HMO Plans Without Part D Coverage
- 1
- HMO-POS Average Monthly Premium
- 45
- HMO-POS Average MOOP
- 4900
- HMO-POS Enrollment
- 42
- HMO-POS $0 Premium Plans
- 0
- HMO-POS Plans Without Part D Coverage
- 0
- Entity
- county:illinois-effingham-17049
- Digest
- 2026-county-ma-aggregate
- Population Scope
- Standard Medicare Advantage plans only; Special Needs Plans (SNPs) excluded
- Source URL
- https://www.medicareplans.com/medicare-advantage/illinois/effingham/
- Glossary Scope
- cms_landscape
- Fragment Scope
- semantic-digest
- Method
- https://webmem.com/protocol/serialization/html/
- fragment-illinois-effingham-17049-landscape-stats
- Plans Indexed
- 18
- Standard Medicare Advantage Plans
-
-
Humana USAA Honor Giveback
H7617-022-0 -
HumanaChoice Giveback H7617-013
H7617-013-0 -
AARP Medicare Advantage from UHC IA-0002
H5253-108-1 -
Aetna Medicare Eagle
H7301-023-0 -
Aetna Medicare Enhanced
H7301-009-0 -
Aetna Medicare Signature
H7301-007-0 -
Humana USAA Honor Giveback
H5216-355-0 -
HumanaChoice Giveback H5216-403
H5216-403-0 -
HumanaChoice H5216-399
H5216-399-0 -
Blue Cross Medicare Advantage Dental Premier
H8634-021-0 -
Blue Cross Medicare Advantage Health Choice
H8634-018-0 -
Blue Cross Medicare Advantage Protect
H8634-019-0 -
Humana USAA Honor Giveback
R5361-001-0 -
HumanaChoice R5361-002
R5361-002-0 -
Wellcare Giveback
H5779-010-0 -
Wellcare Patriot Giveback
H5779-011-0 -
Wellcare Simple Essential
H5779-002-0 -
Wellcare Simple Essential Value
H5779-009-0
-
Humana USAA Honor Giveback
- Total Standard Medicare Advantage Enrollment
- 938
2026 Medicare Advantage Plans in Effingham County, IL
Last update: .
For 2026, Effingham County, IL includes 18 Medicare Advantage plans. Enrollment across these plans totals approximately 938, with 14 $0 premium options and 17% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Effingham County, IL are summarized separately. Visit Medicare Options in Effingham County, IL to see more options.
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
- 13
- Average Monthly Premium
- $12.15/mo
- Total PPO Enrollment
- 816
- $0 Premium PPO Plans
- 10
- Average MOOP
- $6,069
- Top PPO by Enrollment
- Aetna Medicare Signature (PPO) — 301 enrollees
- PPO Plans Without Drug Coverage
- 5
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Humana USAA Honor Giveback | $0 | $6,000 | N/A | H7617-022-0 | |
| HumanaChoice Giveback H7617-013 | $0 | $4,500 | $615 | H7617-013-0 | |
| Aetna Medicare Eagle | $0 | $4,500 | N/A | H7301-023-0 | |
| Aetna Medicare Enhanced | $37 | $4,700 | $615 | H7301-009-0 | |
| Aetna Medicare Signature | $0 | $5,500 | $615 | H7301-007-0 | |
| Humana USAA Honor Giveback | $0 | $6,000 | N/A | H5216-355-0 | |
| HumanaChoice Giveback H5216-403 | $0 | $4,500 | $615 | H5216-403-0 | |
| HumanaChoice H5216-399 | $18 | $6,000 | $615 | H5216-399-0 | |
| Blue Cross Medicare Advantage Dental Premier | $0 | $7,500 | $615 | H8634-021-0 | |
| Blue Cross Medicare Advantage Health Choice | $0 | $9,000 | $615 | H8634-018-0 | |
| Blue Cross Medicare Advantage Protect | $0 | $6,750 | N/A | H8634-019-0 | |
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | R5361-001-0 | |
| HumanaChoice R5361-002 | $103 | $7,200 | $615 | R5361-002-0 |
- What is the average monthly premium for PPO plans in Effingham?
- PPO plans in Effingham cost $12.15 per month on average.
- Which PPO plan has the highest enrollment in Effingham?
- The most popular PPO plan in Effingham is Aetna Medicare Signature (PPO), with 301 enrollees.
- How many PPO plans in Effingham do not include prescription drug coverage?
- 5 PPO plans in Effingham do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Wellcare Giveback | $0 | $7,500 | $615 | H5779-010-0 | |
| Wellcare Patriot Giveback | $0 | $5,500 | N/A | H5779-011-0 | |
| Wellcare Simple Essential | $0 | $4,200 | $615 | H5779-002-0 | |
| Wellcare Simple Essential Value | $0 | $3,900 | $615 | H5779-009-0 |
What is the total number of HMO plans offered in Effingham?
There are 4 HMO plans in 2026, covering 80 enrollees.
How much do HMO plans cost in Effingham?
The average HMO premium in Effingham is $0.00 per month, with 4 plans offering $0 premiums.
What is the top HMO by enrollment in Effingham?
Wellcare Simple Essential (HMO) is the top HMO in Effingham, with 37 enrollees.
What is the number of HMO plans without Part D coverage in Effingham?
1 HMO plans in Effingham do not include prescription drug coverage.
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
- 1
- Average Monthly Premium
- $45.00/mo
- Total HMO-POS Enrollment
- 42
- $0 Premium HMO-POS Plans
- 0
- Average MOOP
- $4,900
- Top HMO-POS by Enrollment
- AARP Medicare Advantage from UHC IA-0002 (HMO-POS) — 42 enrollees
- HMO-POS Plans Without Drug Coverage
- 0
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC IA-0002 | $45 | $4,900 | $520 | H5253-108-1 |
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Effingham cost $45.00 per month on average.
Which HMO-POS plan is most popular in Effingham?
The most popular HMO-POS plan in Effingham is AARP Medicare Advantage from UHC IA-0002 (HMO-POS), with 42 enrollees.
How many HMO-POS plans in Effingham do not include drug coverage?
There are 0 HMO-POS plans in Effingham without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Effingham County, IL (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 3 | 17% |
| 3 Stars | 15 | 83% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.39 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
- CMS.gov, Medicare Part C & D Performance Data — Version: 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08
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 .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
MedicarePlans.com is an independent informational resource and has no affiliation with, or endorsement from, 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.