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

2027 Medicare Advantage Plans in Lawrence County, IL

Last update: October 4, 2026.

In Lawrence County, IL, there are 15 Medicare Advantage plans available for 2027. Of these, 10 offer a $0 monthly premium, and about 67% are rated 4 stars or higher based on CMS quality ratings.

  • 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
$19.20/mo
Plans with $0 Premium
10
Average MOOP Limit
$6,593 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 67% · 3 Stars: 33% · Below 3: 0%
Average Part D Deductible
$697.00
Total MA/MAPD Enrollment
151
Plans with the Highest Enrollment
(as of October 5, 2026)
1. HumanaChoice Giveback H5216-403 (PPO) — 59 enrollees
2. AARP Medicare Advantage from UHC IL-6 (PPO) — 34 enrollees
3. AARP Medicare Advantage from UHC IA-0002 (HMO-POS) — 29 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Lawrence County, IL. Or explore all Medicare Options available in Lawrence County, IL. To understand how local plans fit into the broader market, visit our Illinois Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
9
Average Monthly Premium
$19.89/mo
Total PPO Enrollment
122
$0 Premium PPO Plans
6
Average MOOP
$6,283
Top PPO by Enrollment
HumanaChoice Giveback H5216-403 (PPO) — 59 enrollees
PPO Plans Without Drug Coverage
4

PPO Medicare Advantage plan comparison – Lawrence County, Illinois, 2027
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
AARP Medicare Advantage from UHC IL-6
☆☆☆☆☆
$59 $6,700 $685 H8768-011-0
AARP Medicare Advantage Patriot No Rx IL-MA01
☆☆☆☆☆
$0 $7,150 N/A H8768-019-0
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 Lawrence?

Lawrence County has 9 PPO plans for 2027, with 122 enrolled.

How much do PPO plans cost in Lawrence?

The typical PPO premium in Lawrence is $19.89, and 6 plans have no monthly premium.

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
0
$0 Premium HMO Plans
2
Average MOOP
$6,650
Top HMO by Enrollment
— 0 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Lawrence County, Illinois, 2027
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 Lawrence cost $0.00 per month on average.
Which HMO plan is most popular in Lawrence?
The most popular HMO plan in Lawrence is , with 0 enrollees.
How many HMO plans in Lawrence do not include drug coverage?
There are 0 HMO plans in Lawrence 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 2
  • Average Monthly Premium $24.50/mo
  • Total HMO-POS Enrollment 29
  • $0 Premium HMO-POS Plans 1
  • Average MOOP $5,700
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC IA-0002 (HMO-POS) — 29 enrollees
  • HMO-POS Plans Without Drug Coverage 0

HMO-POS Medicare Advantage plan comparison – Lawrence County, Illinois, 2027
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
Wellcare Simple Value
☆☆☆☆☆
$0 $5,500 $700 H1416-084-0
What is the total number of HMO-POS plans in Lawrence?

There are 2 HMO-POS plans in 2027, covering 29 enrollees.

How much do HMO-POS plans cost in Lawrence?

The average HMO-POS premium in Lawrence is $24.50 per month, with 1 plans offering $0 premiums.

What is the leading HMO-POS plan in Lawrence?

AARP Medicare Advantage from UHC IA-0002 (HMO-POS) is the top HMO-POS in Lawrence, with 29 enrollees.

What is the number of HMO-POS plans without Part D coverage in Lawrence?

0 HMO-POS plans in Lawrence do not include prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.

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

PFFS Medicare Advantage plan comparison – Lawrence County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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 average monthly premium for PFFS plans?

PFFS plans in Lawrence cost $30.00 per month on average.

Which PFFS plan is most popular in Lawrence?

The most popular PFFS plan in Lawrence is , with 0 enrollees.

How many PFFS plans in Lawrence do not include drug coverage?

There are 1 PFFS plans in Lawrence without prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Lawrence County, IL for 2027.

CMS Star Ratings for Medicare Advantage Plans in Lawrence County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 10 67%
3 Stars 5 33%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.87

* 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 Lawrence County, Illinois, including communities such as Bridgeport, Lawrenceville, Sumner, 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

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

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
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — 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.

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.

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