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

2026 Medicare Advantage Plans in Washington County, IL

Last update: September 2, 2026.

For 2026, Washington County, IL includes 35 Medicare Advantage plans. Enrollment across these plans totals approximately 482, with 28 $0 premium options and 31% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Washington County, IL are summarized separately. Visit Medicare Options in Washington 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: $10.86/mo
  • $0 Premium Plans: 28
  • Average MOOP: $6,019 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 31% · 3 Stars: 69% · Below 3: 0%
  • Average Part D Deductible: $541.11
  • Total MA/MAPD Enrollment: 482
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 177 enrollees
    2. AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) — 95 enrollees
    3. Aetna Medicare Elite (PPO) — 33 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
21
Average Monthly Premium
$14.43/mo
Total PPO Enrollment
150
$0 Premium PPO Plans
16
Average MOOP
$6,381
Top PPO by Enrollment
Aetna Medicare Elite (PPO) — 33 enrollees
PPO Plans Without Drug Coverage
5

2026 PPO Medicare Advantage plans in Washington 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 ST-0001
☆☆☆☆☆
$53 $4,500 $520 H2406-043-0
AARP Medicare Advantage from UHC ST-2
☆☆☆☆☆
$0 $6,700 $600 H2406-069-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $4,500 N/A H7301-023-0
Aetna Medicare Elite
☆☆☆☆☆
$0 $4,500 $615 H1608-050-0
Aetna Medicare Enhanced
☆☆☆☆☆
$60 $7,500 $615 H1608-013-0
Aetna Medicare Enhanced
☆☆☆☆☆
$69 $8,750 $615 H7301-034-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $9,250 $615 H7301-027-0
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 Dental Premier
☆☆☆☆☆
$0 $7,500 $615 H8634-021-0
Blue Cross Medicare Advantage Essential
☆☆☆☆☆
$0 $6,700 $450 H8634-012-0
Blue Cross Medicare Advantage Health Choice
☆☆☆☆☆
$0 $9,000 $615 H8634-018-0
Blue Cross Medicare Advantage Protect
☆☆☆☆☆
$0 $6,750 N/A H8634-019-0
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 005 IL
☆☆☆☆☆
$0 $3,900 $385 H8320-005-0
DEVOTED CHOICE GIVEBACK 006 IL
☆☆☆☆☆
$0 $9,250 $605 H8320-006-0

What is the average monthly premium for PPO plans in Washington?

PPO plans in Washington cost $14.43 per month on average.

Which PPO plan has the highest enrollment in Washington?

The most popular PPO plan in Washington is Aetna Medicare Elite (PPO), with 33 enrollees.

How many PPO plans in Washington do not include prescription drug coverage?

5 PPO plans in Washington 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 6
  • Average Monthly Premium $0.00/mo
  • Total HMO Enrollment 0
  • $0 Premium HMO Plans 6
  • Average MOOP $5,725
  • Top HMO by Enrollment — 0 enrollees
  • HMO Plans Without Drug Coverage 1

2026 HMO Medicare Advantage plans in Washington County, Illinois (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Blue Cross Medicare Advantage Value
☆☆☆☆☆
$0 $4,000 $450 H3822-014-0
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 top HMO by enrollment in Washington?

is the top HMO in Washington, with 0 enrollees.

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

1 HMO plans in Washington 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
$6.67/mo
Total HMO-POS Enrollment
332
$0 Premium HMO-POS Plans
5
Average MOOP
$4,800
Top HMO-POS by Enrollment
AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) — 177 enrollees
HMO-POS Plans Without Drug Coverage
1

2026 HMO-POS Medicare Advantage plans in Washington County, Illinois (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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
Aetna Medicare Enhanced Extra
☆☆☆☆☆
$40 $5,900 $615 H2663-006-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $4,200 $615 H2663-103-0

What is the typical premium for HMO-POS plans in Washington?

HMO-POS plans in Washington cost $6.67 per month on average.

Which HMO-POS plan has the most members in Washington?

The most popular HMO-POS plan in Washington is AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS), with 177 enrollees.

How many HMO-POS options are offered without prescription drug coverage in Washington?

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

Medicare Advantage PFFS Plans

PFFS, or Private Fee-for-Service plans, allow access to any Medicare-approved doctor or hospital that accepts the plan’s terms. They provide wide flexibility in choosing providers, but it’s essential to verify that your preferred healthcare professionals agree to the plan’s payment rules before scheduling care.

Total PFFS Plans
2
Average Monthly Premium
$18.50/mo
Beneficiaries Enrolled
0
$0 Premium PFFS
1
Average MOOP
$6,750
PFFS with the Highest Enrollment
with 0 enrollees
PFFS Without Drug Coverage
1

2026 PFFS Medicare Advantage plans in Washington County, Illinois (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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 total number of PFFS plans in Washington?

In 2026, Washington has 2 PFFS plans with 0 enrollees.

How much do PFFS plans cost in Washington?

The typical PFFS premium in Washington is $18.50, and 1 plans have no monthly premium.

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

Medicare Advantage Plan Ratings in Washington County, IL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 10 31%
3 Stars 22 69%
Below 3 Stars 0 0%
Not Rated 3 9%
Average Rating 3.5

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

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

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 .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — 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.

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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