Chicagoland & Illinois Medicare Supplements Insurance

You're 65 and you qualify for Medicare insurance coverage in Illinois. Now you need to complete your protection by purchasing the right Medicare supplement insurance in Illinois to help fills the gaps that Medicare does not cover.

Our office can give you options with a variety of companies, or you can check out some prices with Blue Cross and Blue Shield of IL on your own using the link below.  For quotes from a variety of carriers, please complete the contact form at the bottom of this page to be contacted by our office. 

Shop for Blue Cross Plans here:

 Blue Cross Medicare plans

Our office represents a number of carriers, including Aetna, Blue Cross and Blue Shield of IL, Mutual of Omaha, UnitedHealthcare, Silverscript RX and more.  Contact us for info:  630-279-1739 or email info@cbhealthinsurance.com

Medicare alone may not be enough coverage for some people.  There are deductibles for Medicare Part A or B insurance, and the 20% coinsurance on part B, which is unlimited. The deductible for hospitalization (Part A) is per occurrence, not per calendar year.  So an individual that might have Medicare only, and who is hospitalized two times in a year, will be subject to the Part A deductible for each, separate hospitalization.   Also if you have a large claim under Part B (outpatient services), Medicare pays 80% after the deductible and you will pay 20% of the approved claims.  With an Illinois Medicare supplement policy, you can fill in the gaps not covered by Medicare (deductibles and 20% coinsurance) in order to give you more coverage than Medicare alone.   Many Medicare recipients are concerned that they are fully protected against the loss of a large medical claim.   A supplement that pays the Part A deductibles as well as the 20% coinsurance, can help to ensure Medicare recipients (both over 65 and those who qualify under age 65 due to a disability) are protected from a financial loss due to a major medical claim.

NOTE:  A supplement alone does not cover ALL Expenses; it is designed to pick up where Medicare leaves off.  If Medicare does not approve a service (such as for home health care or a long term care claim beyond 100 days), this would NOT be covered by the supplement and would be the responsibility of the Medicare insured.

Are you worried about the costs and whether a supplement is something that fits your needs and your budget?  Complete the form below and ask for a FREE quote with the TOP A-rated Carriers in Chicago-land and Illinois for Supplemental Medicare insurance *   There are a variety of supplement options and our office can show you ways to save money on certain plans.  Some carriers offer incentives to use certain hospitals, giving you a savings on the premium.  Other companies give discounts for spouses that apply together, and CB Health Insurance can show you cost-saving plans that introduce a small Dr. copay, but offer big savings.  Just ask our staff about these plans!   

*  By submitting your information, our office will contact you about Medicare coverage options; please note that by completing this form you are agreeing to  be contacted regarding solicitations for insurance.

 NOTE:  To schedule a phone call or Virtual Meeting, it is very simple.   Complete the form below to get assistance or contact us direct; by doing so you agree to be solicited by CB Health Insurance.   We are happy to spend the time with you and answer your questions.  

Let's face it, Medicare can be confusing!  Cathy and her staff can spend several hours just explaining the basics of Medicare.  Between explaining Medicare options, helping pick a plan, and follow up calls to answer questions, we can spend many hours just helping one person pick the BEST plan to meet their needs.  That is why we created a YouTube channel where Cathy has created educational videos on different Medicare topics. These are all designed to help you understand the basics of Medicare and do not include any specific company info, rate info, or quoting information.    

If you want true piece of mind that your Part A deductible and coinsurance will be covered, a Medicare supplement plan will do just that.  A supplement, or Medigap insurance as it is sometimes referred to, will allow you the freedom to go to any provider that accepts Medicare in the US.  You will not need to be concerned to see if a Dr. is 'in' the network; as long as they accept Medicare, you are good!

NOTE:  Those who may be on a limited budget and unable to afford a supplement, an RX Part D drug card, and pay for Medicare Part B premiums, may want to consider a Medicare Advantage Plan with Prescription Drug coverage - MAPD (Part C of Medicare).   These plans include a drug card and many of the advantage plans offer extra benefits, such as dental and vision. These plans typically utilize a list of providers through an HMO or PPO; so be sure to inquire if your providers accept these plans. And of course, feel free to ask our staff about these plans and for assistance in looking up providers! 

With Medicare supplements insurance in Illinois,  you can choose to see any doctor who accepts Medicare.  You will NOT need to pick a primary Dr or get referrals to specialists.  You are free to choose your providers.

If you would like our assistance in purchasing a plan, please complete the form to be contacted about your options. 

Submit your information, and our office will contact you about your Medicare Coverage options.  Note:  This is a solicitation for insurance.