2026 Medicare Advantage Plans in Effingham County, IL
Last update: . Enrollment data updated: June 13, 2026
Effingham County, IL has 18 Medicare Advantage plans available in 2026. These include 14 plans with no monthly premium, and roughly 17% are rated at least 4 stars based on CMS data.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Effingham County, IL. Or explore all Medicare Options available in Effingham County, IL.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 13
- Average Monthly Premium $12.15/mo
- Total PPO Enrollment 815
- $0 Premium PPO Plans 10
- Average MOOP $6,069
- Top PPO by Enrollment Aetna Medicare Signature (PPO) — 295 enrollees
- PPO Plans Without Drug Coverage 5
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan 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 most popular PPO plan in Effingham?
Aetna Medicare Signature (PPO) is the top PPO in Effingham, with 295 enrollees.
What is the number of PPO plans without Part D coverage in Effingham?
There are 5 PPO plans in Effingham without prescription drug coverage.
Medicare Advantage HMO Plans
HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.
- Total HMO Plans
- 4
- Average Monthly Premium
- $0.00/mo
- Total HMO Enrollment
- 83
- $0 Premium HMO Plans
- 4
- Average MOOP
- $5,275
- Top HMO by Enrollment
- Wellcare Simple Essential (HMO) — 41 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan 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 typical premium for HMO plans in Effingham?
HMO plans in Effingham cost $0.00 per month on average.
Which HMO plan do most beneficiaries choose in Effingham?
The most popular HMO plan in Effingham is Wellcare Simple Essential (HMO), with 41 enrollees.
How many HMO options are offered without prescription drug coverage in Effingham?
There are 1 HMO plans in Effingham without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
- Total HMO-POS Plans 1
- Average Monthly Premium $45.00/mo
- Total HMO-POS Enrollment 37
- $0 Premium HMO-POS Plans 0
- Average MOOP $4,900
- Top HMO-POS by Enrollment AARP Medicare Advantage from UHC IA-0002 (HMO-POS) — 37 enrollees
- HMO-POS Plans Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC IA-0002 | $45 | $4,900 | $520 | H5253-108-1 |
What is the total number of HMO-POS plans in Effingham?
In 2026, Effingham has 1 HMO-POS plans with 37 enrollees.
How much do HMO-POS plans cost in Effingham?
The typical HMO-POS premium in Effingham is $45.00, and 0 plans have no monthly premium.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Effingham County, IL for 2026.
| 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 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
Data sources and methodology documentation .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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Data provenance documentation is maintained in alignment 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.