2026 Medicare Advantage Plans in Union County, IL
Last update: . Enrollment data updated: May 2, 2026
Union County, IL has 25 Medicare Advantage plans available in 2026. These include 20 plans with no monthly premium, and roughly 32% are rated at least 4 stars based on CMS data.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Union County, IL. Or explore all Medicare Options available in Union County, IL.
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 15
- Average Monthly Premium $16.20/mo
- Total PPO Enrollment 266
- $0 Premium PPO Plans 11
- Average MOOP $6,527
- Top PPO by Enrollment Aetna Medicare Signature (PPO) — 105 enrollees
- PPO Plans Without Drug Coverage 5
What is the most popular PPO plan in Union?
Aetna Medicare Signature (PPO) is the top PPO in Union, with 105 enrollees.
What is the number of PPO plans without Part D coverage in Union?
There are 5 PPO plans in Union 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
- 4
- Average Monthly Premium
- $0.00/mo
- Total HMO Enrollment
- 45
- $0 Premium HMO Plans
- 4
- Average MOOP
- $5,275
- Top HMO by Enrollment
- Wellcare Simple Essential (HMO) — 32 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS 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 |
What is the typical premium for HMO plans in Union?
HMO plans in Union cost $0.00 per month on average.
Which HMO plan do most beneficiaries choose in Union?
The most popular HMO plan in Union is Wellcare Simple Essential (HMO), with 32 enrollees.
How many HMO options are offered without prescription drug coverage in Union?
There are 1 HMO plans in Union 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 4
- Average Monthly Premium $0.00/mo
- Total HMO-POS Enrollment 151
- $0 Premium HMO-POS Plans 4
- Average MOOP $4,675
- Top HMO-POS by Enrollment AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 97 enrollees
- HMO-POS Plans Without Drug Coverage 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC ST-6 | $0 | $6,700 | $600 | H2802-073-0 | |
| AARP Medicare Advantage Essentials from UHC ST-3 | $0 | $3,200 | $440 | H2802-028-0 | |
| AARP Medicare Advantage Extras from UHC ST-4 | $0 | $3,900 | $520 | H2802-052-0 | |
| AARP Medicare Advantage Patriot No Rx MO-MA01 | $0 | $4,900 | N/A | H2802-050-0 |
What is the total number of HMO-POS plans in Union?
In 2026, Union has 4 HMO-POS plans with 151 enrollees.
How much do HMO-POS plans cost in Union?
The typical HMO-POS premium in Union is $0.00, and 4 plans have no monthly premium.
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
- $18.50/mo
- Total PFFS Enrollment
- 31
- $0 Premium PFFS Plans
- 1
- Average MOOP
- $6,750
- Top PFFS by Enrollment
- Humana Gold Choice H8145-126 (PFFS) — 16 enrollees
- PFFS Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-006 | $37 | $6,800 | $615 | H8145-006-0 | |
| Humana Gold Choice H8145-126 | $0 | $6,700 | N/A | H8145-126-0 |
- What is the average monthly premium for PFFS plans?
- PFFS plans in Union cost $18.50 per month on average.
- Which PFFS plan is most popular in Union?
- The most popular PFFS plan in Union is Humana Gold Choice H8145-126 (PFFS), with 16 enrollees.
- How many PFFS plans in Union do not include drug coverage?
- There are 1 PFFS plans in Union without prescription drug coverage.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Union County, IL for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 8 | 32% |
| 3 Stars | 17 | 68% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.52 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
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 .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — 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
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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.