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

2027 Medicare Advantage Plans in Monroe County, IL

Last update: October 4, 2026.

In Monroe County, IL, there are 32 Medicare Advantage plans available for 2027. Of these, 21 offer a $0 monthly premium, and about 55% are rated 4 stars or higher based on CMS quality ratings.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$23.59/mo
Plans with $0 Premium
21
Average MOOP Limit
$5,675 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 55% · 3 Stars: 45% · Below 3: 0%
Average Part D Deductible
$644.14
Total MA/MAPD Enrollment
2,702
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 523 enrollees
2. Essence Advantage Select (HMO) — 444 enrollees
3. AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 406 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Monroe County, IL. Or explore all Medicare Options available in Monroe 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 19
  • Average Monthly Premium $32.74/mo
  • Total PPO Enrollment 693
  • $0 Premium PPO Plans 11
  • Average MOOP $6,176
  • Top PPO by Enrollment Humana Value Choice (PPO) — 160 enrollees
  • PPO Plans Without Drug Coverage 3

Comparison table of 2027 PPO Medicare Advantage Plans available in Monroe 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
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 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
HealthSpring True Choice
☆☆☆☆☆
$6 $7,150 $700 H7849-156-0
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 total number of PPO plans offered in Monroe?

There are 19 PPO plans in 2027, covering 693 beneficiaries.

How much do PPO plans cost in Monroe?

The average PPO premium in Monroe is $32.74 per month, with 11 plans offering $0 premiums.

What is the most popular PPO plan in Monroe?

Humana Value Choice (PPO) is the top PPO in Monroe, with 160 enrollees.

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

There are 3 PPO plans in Monroe 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
6
Average Monthly Premium
$19.00/mo
Total HMO Enrollment
861
$0 Premium HMO Plans
4
Average MOOP
$4,708
Top HMO by Enrollment
Essence Advantage Select (HMO) — 444 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2027 HMO Medicare Advantage Plans available in Monroe 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
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 average monthly premium for HMO plans?

HMO plans in Monroe cost $19.00 per month on average.

Which HMO plan is most popular in Monroe?

The most popular HMO plan in Monroe is Essence Advantage Select (HMO), with 444 enrollees.

How many HMO plans in Monroe do not include drug coverage?

There are 0 HMO plans in Monroe 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.

Total HMO-POS Plans
7
Average Monthly Premium
$2.71/mo
Total HMO-POS Enrollment
1,148
$0 Premium HMO-POS Plans
6
Average MOOP
$5,143
Top HMO-POS by Enrollment
AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 523 enrollees
HMO-POS Plans Without Drug Coverage
1

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Monroe 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 from UHC ST-1P
☆☆☆☆☆
$0 $4,100 $685 H2802-071-0
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 leading HMO-POS plan in Monroe?

AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) is the top HMO-POS in Monroe, with 523 enrollees.

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

1 HMO-POS plans in Monroe do not include prescription drug coverage.

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

CMS Star Ratings for Medicare Advantage Plans in Monroe County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 16 55%
3 Stars 13 45%
Below 3 Stars 0 0%
Not Rated 3 9%
Average Rating 3.79

* 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 Monroe County, Illinois, including communities such as Columbia, Valmeyer, Waterloo, 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.

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