Health Insurance 65+

OPEN ENROLLMENT FOR MEDICARE ADVANTAGE AND PRESCRIPTION DRUG PLANS IS OCTOBER 15 TO DECEMBER 7, 2020

Blue Cross & Blue Shield Medicare Supplement

Plan highlights include:

  • Available to Illinois residents age 65 and older with Medicare Parts A & B
  • Traditional Medicare supplement that covers Part A & B deductibles and coinsurance amounts for Medicare approved expenses
  • Freedom to choose doctors and hospitals

Please contact us to get Medicare Plan information.


Blue Cross and Blue Shield IMRF Group Medicare Advantage Plans

Illinois Residents of Cook, Kane, DuPage and Will Counties

The plans highlighted here are group plans available to IMRF retirees and their eligible dependents only.  Individual Medicare Advantage plans through Blue Cross and Blue Shield of Illinois are also available.  Please contact Doyle Rowe LTD at 1-800-564-7227 for further details.


Humana Regional PPO

Available to retirees and spouses age 65 and older with Medicare Parts A & B in specific cities throughout the country based on network accessibility.

Plan highlights include:

• 100% of in-network preventive services including annual routine physical, diabetes self-management, bone mass measurement (one per year), immunizations,  colorectal screening (one per year), and the like.

• A variety of co-pays for physicians, specialists, and other medical services.

Prescription Drug Benefits:

Plan includes Medicare Part D prescription drug benefits. After total out-of-pocket costs exceed $4,130.00, you pay the greater of $3.70 for generics, $9.20 for preferred and brand name drugs, or 5% co-insurance. You pay 5% for specialty drugs.

2021 Humana PPO Rates

Regional PPO 2021 monthly rates: $45-$119 (rates vary by region of residence)

Local PPO 2021 monthly rates: $0-$95  (rates vary by city of residence)


United Healthcare Medicare Complete

United Healthcare Medicare Complete is available to retirees and spouses age 65 and older with Medicare Parts A & B residing in Monroe, Madison, Jersey and St. Clair counties in Illinois and St. Louis City, St. Louis County, St. Charles, Jefferson, Warren, Franklin, Crawford, Lincoln, Washington and Gasconade counties in Missouri.

In-Network Health Plan Summary

• 100% of specified preventive services including annual routine physical, diabetes self-management, bone mass measurement (one per year), immunizations, colorectal screening (one per year) and the like.

• A variety of co-pays for physicians, specialists and other medical services.

Prescription Drug Benefits:

Plan includes Medicare Part D prescription drug benefit:

2021 Monthly Premium Rate…………$0

The benefits presented above are highlights of the available plan. The Evidence of Coverage will provide more detailed information.