Medicare Insurance in Des Plaines, IL
We help Illinois seniors in Des Plaines, Park Ridge, Niles, and surrounding suburbs compare Medicare Advantage, Medigap, and Part D plans — without the call-center pressure.
By calling the number above, you will be connected to a licensed insurance agent.
Understanding Medicare Parts A–D
Medicare has four parts, each covering different aspects of your healthcare. Let us help you understand what's right for you.
Part A: Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services. Most people don't pay a premium for Part A if they or their spouse paid Medicare taxes for at least 10 years.
- Inpatient hospital stays (semi-private room, meals, nursing)
- Skilled nursing facility care after qualifying stay
- Hospice care for terminal illness
- Home health care in certain situations
Part B: Medical Insurance
Covers doctor visits, outpatient care, medical supplies, and preventive services. Part B has a standard monthly premium that most beneficiaries pay.
- Doctor and outpatient hospital visits
- Preventive services and screenings
- Durable medical equipment
- Mental health services
Part C: Medicare Advantage
All-in-one alternative to Original Medicare offered by private insurance companies. These plans include Parts A and B coverage, and usually Part D, often with extra benefits.
- Combines Parts A, B, and usually D
- Often includes dental, vision, and hearing
- May include fitness programs and telehealth
- Network-based (HMO, PPO, or PFFS)
Part D: Prescription Drug Coverage
Helps cover the cost of prescription drugs, including many recommended vaccines. Plans are offered by private insurance companies approved by Medicare.
- Coverage for brand-name and generic drugs
- Formulary varies by plan
- Help with out-of-pocket costs
- Extra Help program for qualifying individuals
Medicare Supplement (Medigap) Plans
Medigap policies help pay some of the healthcare costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. These plans can give you more predictable out-of-pocket costs.
Most comprehensive coverage for those eligible before 2020
Most popular plan — covers nearly everything except Part B deductible
Lower premiums with small copays for office and ER visits
Medicare Carriers We Represent
We currently represent 5 Medicare carriers offering 50+ plan options across Illinois. We compare across all of them to find the right fit.
Not sure which Medicare plan is right for you?
Our licensed agents in Des Plaines will review your medications, preferred doctors, and budget to recommend the best plan — completely free of charge.
By calling the number above, you will be connected to a licensed insurance agent.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 50+ products in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users call 1-877-486-2048) 24 hours a day/7 days a week, or your local State Health Insurance Program (SHIP) to get information on all of your options.
This website is not connected with or endorsed by the United States government or the federal Medicare program.