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Illinois Medigap Resources

Are you an Illinois resident in need of information to find out about Medicare coverage or eligibility? The resources below may help.

Contact an Illinois Medicare Insurance Broker

Illinois SHIP

Illinois Senior Health Insurance Program Website
SHIP is run by the Illinois Department of Aging, and it offers free counseling for any Illinois resident covered by Medicare, as well as to their caregivers.

Available Resources:

  • Find a SHIP Counselor – SHIP is located in each Illinois county. Find the office nearest to you here.
  • Find a Provider  – The Illinois Department on Aging and the Elderly maintains this caregiver list and resource.
  • Prescription Drug Assistance  – How to qualify for prescription drug assistance in Illinois.
  • Medicare Webinars – SHIP offers a variety of webinars to help you learn the ins and outs of Medicare coverage.
  • Prescription Drug Guide – This online brochure includes helpful information about Illinois Medicare prescription drug coverage.

Illinois Department of Human Services

Find an IDHS Location Near You
Toll-free: 800-843-6154
Illinois Department of Human Services (IDHS) administers Illinois Medicaid and can answer questions regarding eligibility or benefits. Use the locator (above) or call to find an office near you.

Available Resources:

Illinois Department of Insurance

IDS Website
Consumer Services Section
Chicago Location
122 S. Michigan Ave., 19th Floor
Chicago, IL 60603
Springfield Location
320 W. Washington
Springfield, IL 62767
877-527-9431

Illinois Department of Insurance regulates the insurance industry in Illinois, including the handling of health insurance-related complaints.

Available Resources:

Illinois Rx Buying Club

Illinois Rx Buying Club Website
P.O. Box 94858
Chicago, IL 60690-4440
Toll-Free 866-215-3462
If you are an Illinois resident and your total household income is less than or equal to 300% of the federal poverty level, you can save 20% (on average) on your prescription drugs. See site for details.

Medicare Benefits and Federal Employees Health Benefits (FEHB)

Office of Personnel Management
Retirement Operations Center
P.O. Box 45
Boyers, PA 16017-0045
Phone: 202-606-0500
Toll-Free: 1-88USOPMRET (1-888-767-6738)
This resource is for federal employees who receive Federal Employee Health Benefits (FEHB). Qualifying current and retired employees can refer Medicare-related questions to the FEHB office.

Available Resources:

  • Medicare and FEHB and Medicare Brochure
  • Medicare and FEHB FAQs

Recent Illinois Medicare Posts

Medicare Options, Steinlage Insurance Agency

What Medicare Outpatient Observation Notice (MOON) Is and How It Impacts Skilled Nursing Care Coverage

| Medicare, Medicare Outpatient Observation Notice | No Comments
There may come a time over the course of your health care journey when you will need to stay overnight in a hospital. This can happen for a wide variety of reasons. However, you and your family will need to consider how or whether this impacts your skilled nursing care coverage under Medicare. You or your family may receive a Medicare Outpatient Observation Notice (MOON), but if you have never received it, it can be hard to know what steps to take next. Read below about what this is and what questions you might have about the impact of this on your general care needs. What is Medicare Outpatient Observation Notice (MOON)? A Medicare Outpatient Observation Notice (MOON) is a document that provides you notice as to whether or not you are considered an inpatient during your hospital stay. This can be confusing to some because if the hospital does…
Understanding Medicare, Steinlage Insurance Agency

New Medicare Drug Plan Regulations May Confuse Patients, Push for Trying Cheaper Options

| Making the Most of your Medicare, Medicare | No Comments
New regulations from Centers for Medicare and Medicaid Services (CMS), an arm of the U.S. Department of Health and Human Services, puts new regulations on the private Medicare drug plan market to move towards use of cheaper drugs first. Referred to as "step therapy," the push towards using the cheaper drugs first before more expensive alternatives are tried has been part of the regulations in the past but was not preferred by providers or patients. According to an article from ThinkAdvisor, "CMS says it will speed up its process for handling patient appeals related to the kinds of drugs affected by the new rules." This will hopefully alleviate the concerns from previous attempts at moving towards a step therapy policy. A preliminary version of the final Medicare Part D and Medicare Advantage drug price regulations is available here. For help understanding this and other changes in the Medicare marketplace, contact…
COBRA Reimbursement Pitfalls At Retirement

COBRA Reimbursement Pitfalls at Retirement

| Making the Most of your Medicare | No Comments
by: Eric Steinlage The last few years, I have seen an increase with large employers offering top employees a COBRA severance package when they decide to finally retire. This is often done to entice the employee to “stick around” for another year to train the employee taking over the retiree’s responsibilities. The employer will generally pay for up to 18 months of COBRA with little to no cost for the retiree. This situation can cause headache for the retiree when they come off the COBRA plan and try to find their own coverage. Most people are eligible for Medicare Part A and Part B at age 65 but, due to people working later, it is not uncommon for people to postpone Part B at age 65. This is due to their group plan offering better and more affordable coverage or “creditable coverage” to Medicare. This is a valid reason for…