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

2027 Medicare Advantage Plans in Whiteside County, IL

Last update: October 5, 2026.

For 2027, Whiteside County, IL includes 18 Medicare Advantage plans. Enrollment across these plans totals approximately 3,238, with 13 $0 premium options and 61% rated 4 stars or higher.

  • 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: $15.50/mo
  • $0 Premium Plans: 13
  • Average MOOP: $6,022 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 61% · 3 Stars: 39% · Below 3: 0%
  • Average Part D Deductible: $651.54
  • Total MA/MAPD Enrollment: 3,238
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. AARP Medicare Advantage from UHC IA-0002 (HMO-POS) — 1,080 enrollees
    2. AARP Medicare Advantage from UHC IL-6 (PPO) — 831 enrollees
    3. Aetna Medicare Advantra Signature Extra (PPO) — 414 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Whiteside County, IL are summarized separately. Visit Medicare Options in Whiteside County, IL to see more options. For a broader perspective, explore Illinois Medicare Advantage plans, including statewide premiums, out-of-pocket costs, CMS ratings, and enrollment comparisons.

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
12
Average Monthly Premium
$19.17/mo
Total PPO Enrollment
2,072
$0 Premium PPO Plans
8
Average MOOP
$5,954
Top PPO by Enrollment
AARP Medicare Advantage from UHC IL-6 (PPO) — 831 enrollees
PPO Plans Without Drug Coverage
5

2027 PPO Medicare Advantage plans in Whiteside County, Illinois (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H7617-022-0
HumanaChoice Giveback H7617-013
☆☆☆☆☆
$0 $5,000 $700 H7617-013-0
AARP Medicare Advantage from UHC IL-6
☆☆☆☆☆
$59 $6,700 $685 H8768-011-0
AARP Medicare Advantage Patriot No Rx IL-MA01
☆☆☆☆☆
$0 $7,150 N/A H8768-019-0
Aetna Medicare Advantra Enhanced
☆☆☆☆☆
$51 $4,500 $700 H7301-002-0
Aetna Medicare Advantra Signature Extra
☆☆☆☆☆
$0 $5,200 $700 H7301-006-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $5,200 N/A H5521-286-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-355-0
HumanaChoice Giveback H5216-403
☆☆☆☆☆
$0 $5,000 $700 H5216-403-0
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
What is the average monthly premium for PPO plans in Whiteside?
PPO plans in Whiteside cost $19.17 per month on average.
Which PPO plan has the highest enrollment in Whiteside?
The most popular PPO plan in Whiteside is AARP Medicare Advantage from UHC IL-6 (PPO), with 831 enrollees.
How many PPO plans in Whiteside do not include prescription drug coverage?
5 PPO plans in Whiteside 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
2
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
40
$0 Premium HMO Plans
2
Average MOOP
$6,650
Top HMO by Enrollment
Wellcare Giveback (HMO) — 22 enrollees
HMO Plans Without Drug Coverage
0

2027 HMO Medicare Advantage plans in Whiteside County, Illinois (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
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 Whiteside?

There are 2 HMO plans in 2027, covering 40 enrollees.

How much do HMO plans cost in Whiteside?

The average HMO premium in Whiteside is $0.00 per month, with 2 plans offering $0 premiums.

What is the top HMO by enrollment in Whiteside?

Wellcare Giveback (HMO) is the top HMO in Whiteside, with 22 enrollees.

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

0 HMO plans in Whiteside 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
4
Average Monthly Premium
$12.25/mo
Total HMO-POS Enrollment
1,126
$0 Premium HMO-POS Plans
3
Average MOOP
$5,913
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) — 1,080 enrollees
HMO-POS Plans Without Drug Coverage
0

2027 HMO-POS Medicare Advantage plans in Whiteside County, Illinois (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
AARP Medicare Advantage from UHC IA-0002
☆☆☆☆☆
$49 $5,900 $685 H5253-108-1
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,350 $400 H3192-013-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $5,900 $400 H1206-008-0
Wellcare Simple Value
☆☆☆☆☆
$0 $5,500 $700 H1416-084-0

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

HMO-POS plans in Whiteside cost $12.25 per month on average.

Which HMO-POS plan is most popular in Whiteside?

The most popular HMO-POS plan in Whiteside is AARP Medicare Advantage from UHC IA-0002 (HMO-POS), with 1,080 enrollees.

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

There are 0 HMO-POS plans in Whiteside without prescription drug coverage.

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

Medicare Advantage Plan Ratings in Whiteside County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 11 61%
3 Stars 7 39%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.83

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Whiteside County, Illinois, including communities such as Rock Falls, Sterling, Erie, Fulton, Morrison, Prophetstown, Tampico, 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

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 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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