Illinois · 2026
Medicare Advantage Plans in Effingham County, Illinois
For 2026, Effingham County, Illinois has 14 Medicare Advantage plans, an average premium of $10.00/mo, and an average 3.5-star CMS rating. Plans are offered by Aetna Medicare, Humana, UnitedHealthcare, and Wellcare. Compare them below and talk to a licensed Medicare Advocate to find the right fit.
Plans available
14
Avg. premium
$10.00/mo
Avg. star rating
3.5
Carriers
4
14 2026 plans in Effingham County
| Plan | Carrier | Type | Premium | Star |
|---|---|---|---|---|
| HumanaChoice Giveback H7617-013 (PPO) | Humana | PPO | $0 | 4.5★ |
| HumanaChoice Giveback H5216-403 (PPO) | Humana | PPO | $0 | 3.5★ |
| Aetna Medicare Signature (PPO) | Aetna Medicare | PPO | $0 | 3.5★ |
| Wellcare Simple Essential (HMO) | Wellcare | HMO | $0 | 3★ |
| Wellcare Simple Essential Value (HMO) | Wellcare | HMO | $0 | 3★ |
| Wellcare Giveback (HMO) | Wellcare | HMO | $0 | 3★ |
| Humana Dual Fully Integrated (HMO D-SNP) | Humana | HMO D-SNP | $0 | — |
| HumanaChoice H5216-399 (PPO) | Humana | PPO | $18.00 | 3.5★ |
| Aetna Medicare Enhanced (PPO) | Aetna Medicare | PPO | $37.00 | 3.5★ |
| AARP Medicare Advantage from UHC IA-0002 (HMO-POS) | UnitedHealthcare | HMO-POS | $45.00 | 4★ |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | — | 4.5★ |
| Aetna Medicare Eagle (PPO) | Aetna Medicare | PPO | — | 3.5★ |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | — | 3.5★ |
| Wellcare Patriot Giveback (HMO) | Wellcare | HMO | — | 3★ |
2026 plan-year data from CMS for the carriers we represent — we do not offer every plan available in your area. Premiums and availability vary by exact location.
Common questions
- How many Medicare Advantage plans are available in Effingham County, IL?
- For the 2026 plan year, 14 Medicare Advantage plans are available in Effingham County from the carriers we represent.
- What is the average Medicare Advantage premium in Effingham County?
- The average monthly premium across available plans is about $10.00 for 2026. Many plans have a $0 premium. Your exact cost depends on the plan you choose.
- Which insurance companies offer Medicare Advantage plans in Effingham County?
- Plans are offered by Aetna Medicare, Humana, UnitedHealthcare, and Wellcare.
- How do I enroll in a Medicare Advantage plan in Effingham County?
- Call to speak with a licensed Medicare Advocate who can compare every plan available at your address at no cost. Enrollment may be limited to certain times of year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.
Ready when you are.
No cost. No pressure. There is no obligation to enroll.One Advocate, for as long as you’re on Medicare.