Compare Medicare Plans in Naperville, Illinois

Medicare help for Naperville residents

Naperville straddles the DuPage and Will county line, and it has a large, well-established retiree population with long-standing relationships with local physician groups.

You can meet by phone or online screen sharing rather than travelling anywhere. Call (312) 348-7209 to talk through your options with a licensed agent.

DuPage County decides what you can enroll in

Medicare Advantage and Part D plans are approved county by county, not statewide. Naperville sits in DuPage County, and your permanent address is what determines the plans you are eligible to join. Part of Naperville falls in Will County, and the two are frequently treated as separate service areas.

Check your doctors and hospitals first

Care around Naperville is concentrated in a small number of systems, including Edward Hospital, Endeavor Health and Advocate Health Care facilities. Participation changes from year to year and can differ between two plans from the same insurer, so confirm your own doctors and preferred hospital directly with the plan and with the provider office before you enroll.

The DuPage and Will county line

Addresses on either side of that boundary can qualify for different plans. If you are comparing options with a neighbour or a friend elsewhere in Naperville, confirm you are both looking at plans approved for your own county before drawing conclusions.

What to have ready

• Your Medicare number and your Part A and Part B start dates.
• Your permanent Naperville ZIP code.
• Every doctor and specialist you want to keep.
• Every prescription, with exact dosage and frequency.
• Any Medicaid, Extra Help, VA or employer coverage you already have.

Enrollment periods that apply

Most people can change plans during the Annual Enrollment Period each autumn, effective 1 January. If you are already in a Medicare Advantage plan, a further window early in the year lets you switch once or return to Original Medicare. Special Enrollment Periods may apply if you move, lose other coverage, or gain or lose Medicaid. Moving into or out of Naperville is itself a qualifying event worth asking about.

Look past the premium

A zero-dollar premium does not mean zero cost. Compare the annual out-of-pocket maximum, specialist and hospital copays, and how each of your prescriptions is tiered on that plan's formulary. For most people it is the drug tiers and the out-of-pocket ceiling, not the premium, that decide what a plan really costs over a year.

Free help, and your other options

You can get free, unbiased counselling from your State Health Insurance Assistance Program (SHIP), and you can compare every plan yourself at Medicare.gov or by calling 1-800-MEDICARE. We are always happy to be one of the options you weigh rather than the only one.

Disclosures

We do not offer every plan available in your area. Currently we represent over 35 organizations which offer over 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.