Madison County, Illinois — 2026 Medicare Advantage plans
56 individual Medicare Advantage plan segments from 9 parent organizations are filed for Madison County for 2026, per CMS public files. This page reports what was filed; it does not rank or recommend plans.
CMS public dataReported, not recommendedNo broker influenceNo paid placementDirect from CMS sources
56plans filed +1 vs prior year
42with a $0 premium −2 vs prior year
$4,950median in-network MOOP +$450 vs prior year
17on 4-star or better contracts
49report comprehensive dental
39report an OTC allowance
Quick filters:
| Plan | Type | Premium | In-network MOOP | Part D deductible | Star rating | OTC allowance | Supplemental benefits reported |
|---|---|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS) UnitedHealth Group, Inc. · H2802-073-000 · SoB ✓ | HMO-POS | $0 | $6,700 | $600 | 4.0out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) UnitedHealth Group, Inc. · H2802-028-000 · SoB ✓ | HMO-POS | $0 | $3,200 | $440 | 4.0out of 5 stars, Above average | — | Vision exam Eyewear Hearing aids Meals |
| AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) UnitedHealth Group, Inc. · H2802-052-000 · SoB ✓ | HMO-POS | $0 | $3,900 | $520 | 4.0out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| AARP Medicare Advantage from UHC ST-2 (PPO) UnitedHealth Group, Inc. · H2406-069-000 · SoB ✓ | PPO | $0 | $6,700 | $600 | 4.0out of 5 stars, Above average | — | Vision exam Eyewear Hearing aids Meals |
| Aetna Medicare Chronic Care (HMO C-SNP) CVS Health Corporation · H2663-100-000 · SoB ✓ | HMO C-SNP | $0 | $6,750 | $615 | 4.0out of 5 stars, Above average | $30 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Aetna Medicare Elite (PPO) CVS Health Corporation · H1608-050-000 · SoB ✓ | PPO | $0 | $4,500 | $615 | 3.5out of 5 stars, Average | — | Vision exam Eyewear Hearing aids |
| Aetna Medicare Signature (HMO-POS) CVS Health Corporation · H2663-103-000 · SoB ✓ | HMO-POS | $0 | $4,200 | $615 | 4.0out of 5 stars, Above average | — | Vision exam Eyewear Hearing aids |
| Aetna Medicare Signature (PPO) CVS Health Corporation · H7301-007-000 · SoB ✓ | PPO | $0 | $5,500 | $615 | 3.5out of 5 stars, Average | — | Vision exam Eyewear Hearing aids |
| Blue Cross Medicare Advantage Dental Premier (PPO) Health Care Service Corporation · H8634-021-000 · SoB ✓ | PPO | $0 | $7,500 | $615 | 3.0out of 5 stars, Average | — | Comprehensive dental Vision exam Eyewear Hearing aids |
| Blue Cross Medicare Advantage Essential (PPO) Health Care Service Corporation · H8634-012-000 · SoB ✓ | PPO | $0 | $6,700 | $450 | 3.0out of 5 stars, Average | — | Comprehensive dental Vision exam Eyewear Hearing aids |
| Blue Cross Medicare Advantage Health Choice (PPO) Health Care Service Corporation · H8634-018-000 · SoB ✓ | PPO | $0 | $9,000 | $615 | 3.0out of 5 stars, Average | $40 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Blue Cross Medicare Advantage Value (HMO) Health Care Service Corporation · H3822-014-000 · SoB ✓ | HMO | $0 | $4,000 | $450 | 3.0out of 5 stars, Average | $40 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Clear Spring Health Balance+ Diabetes & Heart (HMO C-SNP) Group 1001 · H5454-005-000 · SoB | HMO C-SNP | $0 | $6,751 | $100 | Not rated | $50 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Clear Spring Health BrightPath Advantage (HMO) Group 1001 · H5454-001-000 · SoB | HMO | $0 | $4,200 | $200 | Not rated | $50 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| DEVOTED CHOICE 005 IL (PPO) Devoted Health, Inc. · H8320-005-000 · SoB ✓ | PPO | $0 | $3,900 | $385 | Not rated | $100 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| DEVOTED CHOICE GIVEBACK 006 IL (PPO) Devoted Health, Inc. · H8320-006-000 · SoB ✓ | PPO | $0 | $9,250 | $605 | Not rated | $100 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Essence Advantage (HMO) Lumeris Group Holdings Corporation · H2610-005-000 · SoB | HMO | $0 | $3,400 | $0 | 4.5out of 5 stars, Above average | $45 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Essence Advantage Choice (PPO) Lumeris Group Holdings Corporation · H6200-001-000 · SoB | PPO | $0 | $5,400 | $340 | 3.0out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids |
| Essence Advantage Select (HMO) Lumeris Group Holdings Corporation · H2610-016-000 · SoB | HMO | $0 | $3,900 | $340 | 4.5out of 5 stars, Above average | $40 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| HealthSpring True Choice Savings (PPO) Health Care Service Corporation · H7849-077-000 · SoB ✓ | PPO | $0 | $4,250 | $200 | 3.0out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids |
| Humana Dual Fully Integrated (HMO D-SNP) Humana Inc. · H4329-001-000 · SoB ✓ | HMO D-SNP | $0 | $9,250 | $390 | Not rated | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana Full Access H5216-407 (PPO) Humana Inc. · H5216-407-000 · SoB ✓ | PPO | $0 | $5,000 | $400 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana Full Access H7617-008 (PPO) Humana Inc. · H7617-008-000 · SoB ✓ | PPO | $0 | $5,000 | $400 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana Gold Plus Giveback H0028-065 (HMO) Humana Inc. · H0028-065-000 · SoB ✓ | HMO | $0 | $4,200 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana Gold Plus H0028-014 (HMO) Humana Inc. · H0028-014-000 · SoB ✓ | HMO | $0 | $2,700 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana Value Choice H5216-318 (PPO) Humana Inc. · H5216-318-001 · SoB ✓ | PPO | $0 | $3,500 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana Value Choice H7617-023 (PPO) Humana Inc. · H7617-023-000 · SoB ✓ | PPO | $0 | $3,500 | $615 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| HumanaChoice Giveback H5216-403 (PPO) Humana Inc. · H5216-403-000 · SoB ✓ | PPO | $0 | $4,500 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| HumanaChoice Giveback H7617-013 (PPO) Humana Inc. · H7617-013-000 · SoB ✓ | PPO | $0 | $4,500 | $615 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Molina Medicare Choice Care (HMO) Molina Healthcare, Inc. · H2715-003-000 · SoB ✓ | HMO | $0 | $9,250 | $0 | Not rated | — | Meals |
| Molina Medicare Complete Care Plus (HMO D-SNP) Molina Healthcare, Inc. · H3093-003-000 · SoB ✓ | HMO D-SNP | $0 | $9,250 | $100 | Not rated | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Giveback (HMO) Centene Corporation · H5779-010-000 · SoB ✓ | HMO | $0 | $7,500 | $615 | 3.0out of 5 stars, Average | — | Comprehensive dental Vision exam Eyewear Hearing aids |
| Wellcare Simple (HMO-POS) Centene Corporation · H1416-009-000 · SoB ✓ | HMO-POS | $0 | $3,900 | $615 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Simple Essential (HMO) Centene Corporation · H5779-002-000 · SoB ✓ | HMO | $0 | $4,200 | $615 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Wellcare Simple Essential Value (HMO) Centene Corporation · H5779-009-000 · SoB ✓ | HMO | $0 | $3,900 | $615 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Wellcare Simple Value (HMO-POS) Centene Corporation · H1416-082-000 · SoB ✓ | HMO-POS | $0 | $3,900 | $615 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Meridian Dual Align (HMO D-SNP) Centene Corporation · H6971-001-000 · SoB ✓ | HMO D-SNP | $14.20 | $9,250 | $400 | Not rated | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Aetna Medicare FIDE (HMO D-SNP) CVS Health Corporation · H9771-001-000 · SoB | HMO D-SNP | $15.20 | $9,250 | $615 | Not rated | $225 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| DEVOTED C-SNP CHOICE PLUS 012 IL (PPO C-SNP) Devoted Health, Inc. · H8320-012-000 · SoB ✓ | PPO C-SNP | $15.20 | $9,250 | $615 | Not rated | $50 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| DEVOTED C-SNP CHOICE PREMIUM 014 IL (PPO C-SNP) Devoted Health, Inc. · H8320-014-000 · SoB ✓ | PPO C-SNP | $15.20 | $4,200 | $615 | Not rated | $50 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| UHC Complete Care Support ST-1A (PPO C-SNP) UnitedHealth Group, Inc. · H2001-037-000 · SoB ✓ | PPO C-SNP | $15.20 | $9,250 | $450 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| HumanaChoice H5216-399 (PPO) Humana Inc. · H5216-399-000 · SoB ✓ | PPO | $18 | $6,000 | $615 | 3.5out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Meals |
| Aetna Medicare Enhanced (PPO) CVS Health Corporation · H7301-009-000 · SoB ✓ | PPO | $37 | $4,700 | $615 | 3.5out of 5 stars, Average | $45 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana Gold Choice H8145-006 (PFFS) Humana Inc. · H8145-006-000 · SoB ✓ | PFFS | $37 | $6,800 | $615 | 3.5out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Meals |
| Aetna Medicare Enhanced Extra (HMO-POS) CVS Health Corporation · H2663-006-000 · SoB ✓ | HMO-POS | $40 | $5,900 | $615 | 4.0out of 5 stars, Above average | $120 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| AARP Medicare Advantage from UHC ST-0001 (PPO) UnitedHealth Group, Inc. · H2406-043-000 · SoB ✓ | PPO | $53 | $4,500 | $520 | 4.0out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Essence Advantage Plus (HMO) Lumeris Group Holdings Corporation · H2610-006-000 · SoB | HMO | $59 | $2,900 | $0 | 4.5out of 5 stars, Above average | $40 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Aetna Medicare Enhanced (PPO) CVS Health Corporation · H1608-013-000 · SoB ✓ | PPO | $60 | $7,500 | $615 | 3.5out of 5 stars, Average | $30 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| HumanaChoice H5216-032 (PPO) Humana Inc. · H5216-032-000 · SoB ✓ | PPO | $63 | $9,250 | $615 | 3.5out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Meals |
| Essence Advantage Premier Plus (PPO) Lumeris Group Holdings Corporation · H6200-008-000 · SoB | PPO | $254 | $2,000 | $615 | 3.0out of 5 stars, Average | — | Hearing aids |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) UnitedHealth Group, Inc. · H2802-050-000 · SoB ✓ | HMO-POS | — | $4,900 | — | 4.0out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Blue Cross Medicare Advantage Protect (PPO) Health Care Service Corporation · H8634-019-000 · SoB ✓ | PPO | — | $6,750 | — | 3.0out of 5 stars, Average | — | Comprehensive dental Vision exam Eyewear Hearing aids |
| Humana Gold Choice H8145-126 (PFFS) Humana Inc. · H8145-126-000 · SoB ✓ | PFFS | — | $6,700 | — | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana USAA Honor Giveback (PPO) Humana Inc. · H5216-278-001 · SoB ✓ | PPO | — | $4,700 | — | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana USAA Honor Giveback (PPO) Humana Inc. · H7617-012-000 · SoB ✓ | PPO | — | $4,700 | — | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Wellcare Patriot Giveback (HMO) Centene Corporation · H5779-011-000 · SoB ✓ | HMO | — | $5,500 | — | 3.0out of 5 stars, Average | — | Comprehensive dental Vision exam Eyewear Hearing aids |
What the star rating means. CMS rates every Medicare Advantage contract (the "H" number in the plan ID — all plans under it share the rating) on a 1-to-5 scale each October, from about 40 measures of care quality, member experience, complaints and appeals, customer service and, for plans with drug coverage, drug safety and pricing. The 2026 rating is largely based on performance measured in 2024.
5 Excellent4 Above average3 Average2 Below average1 Poor
Not rated means CMS published no overall rating — usually a contract too new to be measured or with too few members ("not enough data"); it is not a low score. A 5-star contract can be joined outside the normal enrollment windows (the 5-star Special Enrollment Period, Dec 8 – Nov 30). Medicare.gov flags contracts rated below 3 stars for three years running as low-performing. Stars describe the contract's past performance as CMS measured it; they are not a recommendation, and they do not tell you whether a plan's network, drugs or costs fit you.
How to read this table
Yes — the plan's approved bid reports the benefit. No — the bid reports it is not offered. — — CMS did not publish a value for this field; that is not the same as No. Reported under an allowance column means the benefit is offered but CMS published no dollar amount. Premium is the CMS consolidated monthly premium (Part C + Part D). MOOP is the in-network maximum out-of-pocket. Star rating is the contract's overall rating in the CMS file used for this build. SNP plans (D-SNP, C-SNP, I-SNP) are limited to people who meet the plan's eligibility rules. A plan's own Summary of Benefits and Evidence of Coverage govern the details.
Click a column header to sort. On small screens the Part D deductible and OTC columns are hidden; open a plan for the full record.
Is a drug covered by plans in Madison County?
Before enrolling or making a coverage decision, confirm current details with the plan, Medicare.gov, your State Health Insurance Assistance Program (SHIP), or 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048). MedicareBenefits.care reports CMS-filed data and does not verify provider networks, pharmacy participation, or final plan terms.
Download all 56 Madison County plans as CSVEvery column on this page plus the 14 benefit flags and published allowances — part of Pro, $99/month or $990/year.