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2027 Medicare Advantage Plans in Macoupin County, IL

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Macoupin County, IL has 26 Medicare Advantage plans available in 2027. These include 18 plans with no monthly premium, and roughly 61% are rated at least 4 stars based on CMS data.

At a Glance

Average Monthly Premium: $23.77/mo
$0 Premium Plans: 18
Average MOOP: $5,744 ($9,250 max. in 2027)
Star Ratings (Plan Mix): 4+ Stars: 61% · 3 Stars: 39% · Below 3: 0%
Average Part D Deductible: $617.43
Total MA/MAPD Enrollment: 2,254
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 574 enrollees
2. AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 573 enrollees
3. Aetna Medicare Signature (PPO) — 396 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Macoupin County, IL. Or explore all Medicare Options available in Macoupin 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 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 16
  • Average Monthly Premium $33.75/mo
  • Total PPO Enrollment 917
  • $0 Premium PPO Plans 10
  • Average MOOP $6,116
  • Top PPO by Enrollment Aetna Medicare Signature (PPO) — 396 enrollees
  • PPO Plans Without Drug Coverage 4

Comparison table of 2027 PPO Medicare Advantage Plans available in Macoupin County, Illinois
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,700 N/A H7617-012-0
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 USAA Honor Giveback
☆☆☆☆☆
 $0 $4,700 N/A H5216-278-1
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 001 IL
☆☆☆☆☆
 $0 $5,000 $465 H8320-001-0
DEVOTED CHOICE GIVEBACK 002 IL
☆☆☆☆☆
 $0 $9,850 $461 H8320-002-0
DEVOTED CHOICE GIVEBACK EXTRAS 018 IL
☆☆☆☆☆
 $0 $7,300 $700 H8320-018-0
What is the most popular PPO plan in Macoupin?

Aetna Medicare Signature (PPO) is the top PPO in Macoupin, with 396 enrollees.

What is the number of PPO plans without Part D coverage in Macoupin?

There are 4 PPO plans in Macoupin 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
5
Average Monthly Premium
$11.80/mo
Total HMO Enrollment
102
$0 Premium HMO Plans
4
Average MOOP
$4,810
Top HMO by Enrollment
Essence Advantage Select (HMO) — 41 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2027 HMO Medicare Advantage Plans available in Macoupin County, Illinois
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
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
Wellcare Giveback
☆☆☆☆☆
 $0 $7,800 $700 H5779-010-0
Wellcare Simple Essential
☆☆☆☆☆
 $0 $5,500 $700 H5779-009-0

What is the typical premium for HMO plans in Macoupin?

HMO plans in Macoupin cost $11.80 per month on average.

Which HMO plan do most beneficiaries choose in Macoupin?

The most popular HMO plan in Macoupin is Essence Advantage Select (HMO), with 41 enrollees.

How many HMO options are offered without prescription drug coverage in Macoupin?

There are 0 HMO plans in Macoupin 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.

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Macoupin County, Illinois
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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
Wellcare Simple Value
☆☆☆☆☆
 $0 $5,500 $700 H1416-084-0
What is the total number of HMO-POS plans in Macoupin?

In 2027, Macoupin has 5 HMO-POS plans with 1,235 enrollees.

How much do HMO-POS plans cost in Macoupin?

The typical HMO-POS premium in Macoupin is $3.80, and 4 plans have no monthly premium.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Macoupin County, IL for 2027.

CMS Star Ratings for Medicare Advantage Plans in Macoupin County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 14 61%
3 Stars 9 39%
Below 3 Stars 0 0%
Not Rated 3 12%
Average Rating 3.83

* 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 Macoupin County, Illinois, including communities such as Benld, Brighton, Bunker Hill, Gillespie, Mount Olive, Staunton, Carlinville, Girard, Shipman, Virden, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

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 .

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .