- Entity
- county:illinois-effingham-17049
- Digest
- 2027-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
- 13
- PPO Plans
- 10
- HMO Plans
- 2
- HMO-POS Plans
- 1
- PFFS Plans
- 0
- Average Monthly Premium
- 17.46
- Average MOOP
- 5969.23
- Average Part D Deductible
- 698.33
- $0 Premium Plans
- 9
- Plans Without Part D Coverage
- 4
- Average CMS Star Rating
- 3.92
- $0 Premium Plan Share
- 69.23
- 5-Star Plan Share
- 0
- 4+ Star Plan Share
- 69
- 3-Star Plan Share
- 31
- Below 3-Star Plan Share
- 0
- Not-Rated Plan Share
- 0
- PPO Average Monthly Premium
- 17.8
- PPO Average MOOP
- 5840
- PPO Enrollment
- 847
- PPO $0 Premium Plans
- 7
- PPO Plans Without Part D Coverage
- 4
- HMO Average Monthly Premium
- 0
- HMO Average MOOP
- 6650
- HMO Enrollment
- 44
- HMO $0 Premium Plans
- 2
- HMO Plans Without Part D Coverage
- 0
- HMO-POS Average Monthly Premium
- 49
- HMO-POS Average MOOP
- 5900
- HMO-POS Enrollment
- 46
- HMO-POS $0 Premium Plans
- 0
- HMO-POS Plans Without Part D Coverage
- 0
- Entity
- county:illinois-effingham-17049
- Digest
- 2027-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
- 13
- 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 -
Humana USAA Honor Giveback
R5361-001-0 -
HumanaChoice R5361-002
R5361-002-0 -
Wellcare Giveback
H5779-010-0 -
Wellcare Simple Essential
H5779-009-0
-
Humana USAA Honor Giveback
- Total Standard Medicare Advantage Enrollment
- 937
2027 Medicare Advantage Plans in Effingham County, IL
Last update: .
In Effingham County, IL, there are 13 Medicare Advantage plans available for 2027. Of these, 9 offer a $0 monthly premium, and about 69% are rated 4 stars or higher based on CMS quality ratings.
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 10
- Average Monthly Premium $17.80/mo
- Total PPO Enrollment 847
- $0 Premium PPO Plans 7
- Average MOOP $5,840
- Top PPO by Enrollment Aetna Medicare Signature (PPO) — 334 enrollees
- PPO Plans Without Drug Coverage 4
| 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 | $5,000 | $700 | H7617-013-0 | |
| 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 | |
| Humana USAA Honor Giveback | $0 | $6,000 | N/A | H5216-355-0 | |
| 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 |
What is the total number of PPO plans offered in Effingham?
There are 10 PPO plans in 2027, covering 847 beneficiaries.
How much do PPO plans cost in Effingham?
The average PPO premium in Effingham is $17.80 per month, with 7 plans offering $0 premiums.
What is the most popular PPO plan in Effingham?
Aetna Medicare Signature (PPO) is the top PPO in Effingham, with 334 enrollees.
What is the number of PPO plans without Part D coverage in Effingham?
There are 4 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
- 2
- Average Monthly Premium
- $0.00/mo
- Total HMO Enrollment
- 44
- $0 Premium HMO Plans
- 2
- Average MOOP
- $6,650
- Top HMO by Enrollment
- Wellcare Simple Essential (HMO) — 31 enrollees
- HMO Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Wellcare Giveback | $0 | $7,800 | $700 | H5779-010-0 | |
| Wellcare Simple Essential | $0 | $5,500 | $700 | H5779-009-0 |
What is the average monthly premium for HMO plans?
HMO plans in Effingham cost $0.00 per month on average.
Which HMO plan is most popular in Effingham?
The most popular HMO plan in Effingham is Wellcare Simple Essential (HMO), with 31 enrollees.
How many HMO plans in Effingham do not include drug coverage?
There are 0 HMO plans in Effingham without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC IA-0002 | $49 | $5,900 | $685 | H5253-108-1 |
What is the leading HMO-POS plan in Effingham?
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) is the top HMO-POS in Effingham, with 46 enrollees.
What is the number of HMO-POS plans without Part D coverage in Effingham?
0 HMO-POS plans in Effingham do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Effingham County, IL for 2027.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 9 | 69% |
| 3 Stars | 4 | 31% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.92 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Effingham County, Illinois, including communities such as Effingham, Altamont, Beecher City, Dieterich, Mason, Teutopolis, and other areas throughout the county. Plan availability is determined by county of residence, not by city.
- CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
- CMS.gov, Medicare Part C & D Performance Data — Version: 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09
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 .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — 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
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.
This page follows data provenance practices aligned with the 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.