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2026 Medicare Advantage Plans in Shelby County, IL

Last update: .

For 2026, Shelby County, IL includes 22 Medicare Advantage plans. Enrollment across these plans totals approximately 839, with 16 $0 premium options and 16% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Shelby County, IL are provided separately. Or you can discover all Medicare Options in Shelby County, IL.

At a Glance

  • Average Monthly Premium: $18.32/mo
  • $0 Premium Plans: 16
  • Average MOOP: $5,802 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 16% · 3 Stars: 84% · Below 3: 0%
  • Average Part D Deductible: $509.06
  • Total MA/MAPD Enrollment: 839
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Aetna Medicare Enhanced (PPO) — 289 enrollees
    2. Aetna Medicare Signature (PPO) — 283 enrollees
    3. HumanaChoice Giveback H5216-403 (PPO) — 54 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
16
Average Monthly Premium
$22.38/mo
Total PPO Enrollment
778
$0 Premium PPO Plans
11
Average MOOP
$5,775
Top PPO by Enrollment
Aetna Medicare Enhanced (PPO) — 289 enrollees
PPO Plans Without Drug Coverage
5

2026 PPO Medicare Advantage plans in Shelby County, Illinois (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,000 N/A H7617-022-0
HumanaChoice Giveback H7617-013
☆☆☆☆☆
 $0 $4,500 $615 H7617-013-0
AARP Medicare Advantage from UHC IL-6
☆☆☆☆☆
 $45 $6,700 $600 H8768-011-0
AARP Medicare Advantage Patriot No Rx IL-MA01
☆☆☆☆☆
 $0 $6,700 N/A H8768-019-0
Aetna Medicare Eagle
☆☆☆☆☆
 $0 $4,500 N/A H7301-023-0
Aetna Medicare Enhanced
☆☆☆☆☆
 $37 $4,700 $615 H7301-009-0
Aetna Medicare Signature
☆☆☆☆☆
 $0 $5,500 $615 H7301-007-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,000 N/A H5216-355-0
HumanaChoice Giveback H5216-403
☆☆☆☆☆
 $0 $4,500 $615 H5216-403-0
HumanaChoice H5216-399
☆☆☆☆☆
 $18 $6,000 $615 H5216-399-0
Blue Cross Medicare Advantage Choice Premier
☆☆☆☆☆
 $155 $4,850 $300 H8634-004-0
HealthSpring True Choice
☆☆☆☆☆
 $0 $4,250 $200 H7849-059-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,750 N/A R5361-001-0
HumanaChoice R5361-002
☆☆☆☆☆
 $103 $7,200 $615 R5361-002-0
DEVOTED CHOICE 001 IL
☆☆☆☆☆
 $0 $5,000 $385 H8320-001-0
DEVOTED CHOICE GIVEBACK 002 IL
☆☆☆☆☆
 $0 $9,250 $605 H8320-002-0

What is the typical premium for PPO plans available in Shelby?

PPO plans in Shelby cost $22.38 per month on average.

Which PPO plan do most beneficiaries choose in Shelby?

The most popular PPO plan in Shelby is Aetna Medicare Enhanced (PPO), with 289 enrollees.

How many PPO options are offered without drug coverage in Shelby?

5 PPO plans in Shelby do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 5
  • Average Monthly Premium $0.00/mo
  • Total HMO Enrollment 47
  • $0 Premium HMO Plans 5
  • Average MOOP $6,070
  • Top HMO by Enrollment Wellcare Simple Essential (HMO) — 34 enrollees
  • HMO Plans Without Drug Coverage 1

2026 HMO Medicare Advantage plans in Shelby County, Illinois (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Wellcare Giveback
☆☆☆☆☆
 $0 $7,500 $615 H5779-010-0
Wellcare Patriot Giveback
☆☆☆☆☆
 $0 $5,500 N/A H5779-011-0
Wellcare Simple Essential
☆☆☆☆☆
 $0 $4,200 $615 H5779-002-0
Wellcare Simple Essential Value
☆☆☆☆☆
 $0 $3,900 $615 H5779-009-0
Molina Medicare Choice Care
☆☆☆☆☆
 $0 $9,250 $0 H2715-003-0
What is the total number of HMO plans offered in Shelby?

In 2026, Shelby County has 5 HMO plans with 47 enrollees.

How much do HMO plans cost in Shelby?

The typical HMO premium in Shelby is $0.00, and 5 plans have no monthly premium.

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
1
Average Monthly Premium
$45.00/mo
Total HMO-POS Enrollment
14
$0 Premium HMO-POS Plans
0
Average MOOP
$4,900
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) — 14 enrollees
HMO-POS Plans Without Drug Coverage
0

2026 HMO-POS Medicare Advantage plans in Shelby County, Illinois (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage from UHC IA-0002
☆☆☆☆☆
 $45 $4,900 $520 H5253-108-1
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Shelby cost $45.00 per month on average.
Which HMO-POS plan is most popular in Shelby?
The most popular HMO-POS plan in Shelby is AARP Medicare Advantage from UHC IA-0002 (HMO-POS), with 14 enrollees.
How many HMO-POS plans in Shelby do not include drug coverage?
There are 0 HMO-POS plans in Shelby without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Shelby County, IL (2026) are summarized below.

Quality Ratings for Medicare Advantage Plans in Shelby County, IL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 3 16%
3 Stars 16 84%
Below 3 Stars 0 0%
Not Rated 3 14%
Average Rating 3.42

* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.

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 .

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .