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

2026 Medicare Advantage Plans in Whiteside County, IL

Last update: September 1, 2026.

In Whiteside County, IL, there are 26 Medicare Advantage plans available for 2026. Of these, 21 offer a $0 monthly premium, and about 16% are rated 4 stars or higher based on CMS quality ratings.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Whiteside County, IL. Or explore all Medicare Options available in Whiteside County, IL.

  • 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
$9.50/mo
Plans with $0 Premium
21
Average MOOP Limit
$5,840 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 16% · 3 Stars: 84% · Below 3: 0%
Average Part D Deductible
$590.56
Total MA/MAPD Enrollment
3,369
Plans with the Highest Enrollment
(as of September 8, 2026)
1. AARP Medicare Advantage from UHC IA-0002 (HMO-POS) — 1,077 enrollees
2. AARP Medicare Advantage from UHC IL-6 (PPO) — 845 enrollees
3. Aetna Medicare Advantra Extra (PPO) — 411 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
18
Average Monthly Premium
$11.22/mo
Total PPO Enrollment
2,149
$0 Premium PPO Plans
14
Average MOOP
$6,089
Top PPO by Enrollment
AARP Medicare Advantage from UHC IL-6 (PPO) — 845 enrollees
PPO Plans Without Drug Coverage
7

PPO Medicare Advantage plan comparison – Whiteside County, Illinois, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Eagle
☆☆☆☆☆
$0 $4,900 N/A H5521-286-0
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 Advantra
☆☆☆☆☆
$36 $4,200 $615 H7301-002-0
Aetna Medicare Advantra Extra
☆☆☆☆☆
$0 $5,000 $615 H7301-006-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $5,200 $615 H7301-021-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-355-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-258-0
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
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A R5361-001-0
HumanaChoice R5361-002
☆☆☆☆☆
$103 $7,200 $615 R5361-002-0
What is the total number of PPO plans offered in Whiteside?

Whiteside County has 18 PPO plans for 2026, with 2,149 enrolled.

How much do PPO plans cost in Whiteside?

The typical PPO premium in Whiteside is $11.22, and 14 plans have no monthly premium.

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
5
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
96
$0 Premium HMO Plans
5
Average MOOP
$5,020
Top HMO by Enrollment
Wellcare Simple Essential (HMO) — 39 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Whiteside County, Illinois, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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
What is the average monthly premium for HMO plans?
HMO plans in Whiteside cost $0.00 per month on average.
Which HMO plan is most popular in Whiteside?
The most popular HMO plan in Whiteside is Wellcare Simple Essential (HMO), with 39 enrollees.
How many HMO plans in Whiteside do not include drug coverage?
There are 1 HMO plans in Whiteside 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 3
  • Average Monthly Premium $15.00/mo
  • Total HMO-POS Enrollment 1,124
  • $0 Premium HMO-POS Plans 2
  • Average MOOP $5,717
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC IA-0002 (HMO-POS) — 1,077 enrollees
  • HMO-POS Plans Without Drug Coverage 0

HMO-POS Medicare Advantage plan comparison – Whiteside County, Illinois, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC IA-0002
☆☆☆☆☆
$45 $4,900 $520 H5253-108-1
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,350 $615 H3192-013-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $5,900 $615 H1206-008-0
What is the total number of HMO-POS plans in Whiteside?

There are 3 HMO-POS plans in 2026, covering 1,124 enrollees.

How much do HMO-POS plans cost in Whiteside?

The average HMO-POS premium in Whiteside is $15.00 per month, with 2 plans offering $0 premiums.

What is the leading HMO-POS plan in Whiteside?

AARP Medicare Advantage from UHC IA-0002 (HMO-POS) is the top HMO-POS in Whiteside, with 1,077 enrollees.

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

0 HMO-POS plans in Whiteside do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Whiteside County, IL for 2026.

CMS Star Ratings for Medicare Advantage Plans in Whiteside County, IL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 4 16%
3 Stars 21 84%
Below 3 Stars 0 0%
Not Rated 1 4%
Average Rating 3.4

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • 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

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

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
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — 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 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.

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