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

2027 Medicare Advantage Plans in Madison County, IL

Last update: October 5, 2026.

For 2027, Madison County, IL includes 38 Medicare Advantage plans. Enrollment across these plans totals approximately 19,250, with 27 $0 premium options and 69% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Madison County, IL are summarized separately. Visit Medicare Options in Madison County, IL to see more options.

  • 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: $21.29/mo
  • $0 Premium Plans: 27
  • Average MOOP: $5,659 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 69% · 3 Stars: 31% · Below 3: 0%
  • Average Part D Deductible: $640.94
  • Total MA/MAPD Enrollment: 19,250
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 4,005 enrollees
    2. AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 3,890 enrollees
    3. Essence Advantage Select (HMO) — 1,871 enrollees

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
20
Average Monthly Premium
$30.80/mo
Total PPO Enrollment
5,348
$0 Premium PPO Plans
13
Average MOOP
$6,158
Top PPO by Enrollment
Humana Value Choice (PPO) — 1,111 enrollees
PPO Plans Without Drug Coverage
3

2027 PPO Medicare Advantage plans in Madison County, Illinois (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Full Access
☆☆☆☆☆
$0 $6,600 $500 H7617-008-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H7617-012-0
Humana Value Choice
☆☆☆☆☆
$0 $4,400 $700 H7617-023-0
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 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 Full Access
☆☆☆☆☆
$0 $6,350 $500 H5216-407-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H5216-278-1
Humana Value Choice
☆☆☆☆☆
$0 $4,450 $700 H5216-318-1
HumanaChoice Giveback H5216-403
☆☆☆☆☆
$0 $5,000 $700 H5216-403-0
HumanaChoice H5216-032
☆☆☆☆☆
$76 $9,250 $700 H5216-032-0
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 005 IL
☆☆☆☆☆
$0 $4,450 $650 H8320-005-0
DEVOTED CHOICE GIVEBACK 006 IL
☆☆☆☆☆
$0 $9,850 $461 H8320-006-0
DEVOTED CHOICE GIVEBACK EXTRAS 020 IL
☆☆☆☆☆
$0 $7,000 $700 H8320-020-0
What is the average monthly premium for PPO plans in Madison?
PPO plans in Madison cost $30.80 per month on average.
Which PPO plan has the highest enrollment in Madison?
The most popular PPO plan in Madison is Humana Value Choice (PPO), with 1,111 enrollees.
How many PPO plans in Madison do not include prescription drug coverage?
3 PPO plans in Madison 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.

Total HMO Plans
10
Average Monthly Premium
$11.40/mo
Total HMO Enrollment
5,079
$0 Premium HMO Plans
8
Average MOOP
$4,235
Top HMO by Enrollment
Essence Advantage Select (HMO) — 1,871 enrollees
HMO Plans Without Drug Coverage
0

2027 HMO Medicare Advantage plans in Madison County, Illinois (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $4,200 $700 H4461-045-0
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $4,200 $700 H0028-065-0
Humana Total Complete
☆☆☆☆☆
$0 $2,850 $700 H4461-046-0
Humana Total Complete
☆☆☆☆☆
$0 $2,850 $700 H0028-014-0
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
Aetna Medicare Enhanced
☆☆☆☆☆
$55 $4,200 $700 H1206-011-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,800 $700 H5779-010-0
Wellcare Simple Essential
☆☆☆☆☆
$0 $5,500 $700 H5779-009-0
What is the total number of HMO plans offered in Madison?

There are 10 HMO plans in 2027, covering 5,079 enrollees.

How much do HMO plans cost in Madison?

The average HMO premium in Madison is $11.40 per month, with 8 plans offering $0 premiums.

What is the top HMO by enrollment in Madison?

Essence Advantage Select (HMO) is the top HMO in Madison, with 1,871 enrollees.

What is the number of HMO plans without Part D coverage in Madison?

0 HMO plans in Madison 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
6
Average Monthly Premium
$3.17/mo
Total HMO-POS Enrollment
8,823
$0 Premium HMO-POS Plans
5
Average MOOP
$5,317
Top HMO-POS by Enrollment
AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 4,005 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Madison County, Illinois (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS 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
Aetna Medicare Signature
☆☆☆☆☆
$0 $4,450 $700 H2663-103-0
Wellcare Simple Value
☆☆☆☆☆
$0 $5,500 $700 H1416-084-0

What is the average monthly premium for HMO-POS plans?

HMO-POS plans in Madison cost $3.17 per month on average.

Which HMO-POS plan is most popular in Madison?

The most popular HMO-POS plan in Madison is AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS), with 4,005 enrollees.

How many HMO-POS plans in Madison do not include drug coverage?

There are 1 HMO-POS plans in Madison without prescription drug coverage.

Medicare Advantage PFFS Plans

Private Fee-for-Service (PFFS) plans allow members to visit any Medicare-approved provider that accepts the plan’s payment terms. This provides flexibility in choosing doctors and hospitals, but provider acceptance should be confirmed before receiving care.

  • 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

2027 PFFS Medicare Advantage plans in Madison County, Illinois (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS 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 top PFFS plan in Madison?

is the top PFFS in Madison, with 0 enrollees.

What is the number of PFFS plans without Part D coverage in Madison?

1 PFFS plans in Madison do not include prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Madison County, IL (2027) are summarized below.

Medicare Advantage Plan Ratings in Madison County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 24 69%
3 Stars 11 31%
Below 3 Stars 0 0%
Not Rated 3 8%
Average Rating 3.94

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

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.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Understanding Medicare Advantage Plans 25 May, 2025
Medicare.gov Compare Original Medicare & Medicare Advantage 25 May, 2025
NCOA.org 5 Steps to Choosing the Right Medicare Plan for You 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.

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