Illinois Medicare Supplement Insurance Review:
Health Alliance Medical Plan
We analyzed Health Alliance's Medicare Supplement Insurance in Illinois for this brief review. We compared it to all other insurance carriers in the state and gave their offering 3.5 out of 5 stars. Here's what we like and dislike about Health Alliance:
- Good financial strength.
- Over 10 years in the Medicare Supplements business.
- No charge for writing the policy.
- Plan F premium too expensive.
- Does not offer Medicare SELECT plans.
- Does not sell the 5 most popular plans.
REVIEW SUMMARY: A Medicare Supplement Insurance carrier since 2006, Health Alliance Medical Plan has a "B++ Rating" from A.M. Best. Health Alliance is a good carrier, but there are others with lower monthly premiums in Illinois.
Health Alliance vs. Competition
The following table shows how Health Alliance compares with other carriers we reviewed in Illinois.
Contact Health Alliance Medicare Supplement Sales
For assistance anytime, call 800-MEDICARE (800-633-4227). TTY users can call 877-486-2048 or browse to www.medicare.gov.
Health Alliance Medicare Supplement Plans in Illinois
Health Alliance offers 5 Medicare Supplements in Illinois. Use these links to learn how each plan covers you:
Plan A is the most basic of all Medigap plans and offers the least benefits. However, it does cover some of the more risky gaps in Original Medicare. It covers:
- Medicare Part A coinsurance payments up to an additional 365 days after Original Medicare benefits are exhausted
- Medicare Part B co-payment or coinsurance expenses, including preventative care coinsurance expenses
- The first three pints of blood used in a medical procedure
- Part A hospice care coinsurance expense or co-payment
Monthly Premium as Tested: $88.00
IMPORTANT: Beneficiaries of this plan are responsible for covering their Part A deductible in full, which includes hospitalization costs, Skilled Nursing Facility (SNF) care, hospice care, and some home health care services. This plan might be suitable if you have no desire to pay costly premiums for benefits you are not likely to use.
CRITICAL: Most Medigap plans pay some or all of the Part A deductible. In general, Plan A is the least expensive, but other plans offer more coverage. It's important to realize that this plan has the potential for high out-of-pocket costs should you require inpatient hospital care. Make this a serious consideration before choosing this plan.
Plan C is one of the most complete of the ten standardized plans. Only Plan F offers more coverage. Like Plan F, this plan fills the gaps on most of Medicare's approved expenses.
There are just two things that Plan C does not cover. First, it does not pay your Medicare Part B excess charges. These are the charges over and beyond what Medicare will pay for a service. You pay these charges directly. Second, it does not cover home recovery. These are the costs associated with recovering at home after being hospitalized.
Plan C covers the following:
- Medicare Part A hospital coinsurance and hospital costs up to 365 days after Original Medicare benefits are exhausted
- Part A hospice care coinsurance payment or co-payment
- Medicare Part B co-payment or coinsurance payment
- Part B preventive care coinsurance payment
- First three pints of blood for a medical procedure
- Skilled Nursing Facility (SNF) care coinsurance
- Medicare Part A deductible costs
- Medicare Part B deductible costs
- Foreign travel emergency coverage (up to plan limits)
In short, Plan C offers comprehensive coverage. For many, it is a more economical option to Plan F. We recommend that you shop around to find the policy that best fits your budget and compare rates and coverages carefully.
Monthly Premium as Tested: $146.00
IMPORTANT: Even though Plan C's coverage is extensive, don't underestimate what's not covered. If you visit the doctor frequently, Plan F or Plan G could be a better choice.
Out of the 10 standardized plans available in Illinois that Health Alliance offers, Health Alliance Medicare Supplement Plan F is the most comprehensive. The expansive coverage makes it very popular, but it's also the most expensive.
With Plan F, Health Alliance covers:
- Part A deductible.
- Part A hospice care co-payment or coinsurance.
- Skilled Nursing Facility (SNF) coinsurance.
- Part A hospital and coinsurance costs up to an additional 356 days after Medicare benefits are exhausted.
- Part B deductible.
- Part B excess charges.
- Preventative care Part B coinsurance.
- Part B co-insurance or co-payment.
- First three pints of blood used in an approved medical procedure (annually).
- Foreign travel emergency.
As you can see, Plan F leaves you with zero out-of-pocket costs. That's because it pays all remaining doctor, specialist, lab, hospital, skilled nursing and home care costs after Medicare pays its share.
Monthly Premium as Tested: $147.00
Plan G is nearly identical to Plan F. Both offer comprehensive coverage. The difference is that Medicare Plan G requires you to pay the Medicare Part B deductible. That's the only out-of-pocket expense with this policy. Here's what it covers:
- Medicare Part A hospital coinsurance and all costs up to 365 days after Original Medicare benefits are exhausted
- Part A hospice care coinsurance or co-payment
- Part A deductible
- Medicare Part B preventive care coinsurance coverage
- Part B coinsurance or co-payment coverage
- Part B excess charges
- First three pints of blood for a medical procedure
- Skilled Nursing Facility (SNF) care coinsurance coverage
- Foreign travel emergency coverage
Monthly Premium as Tested: $129.00
IMPORTANT: Most Medigap plans don't cover Part B excess charges, but this plan does. Excess charges are additional expenses incurred outside of the Medicare-approved charge. This coverage is particularly beneficial if you have frequent medical needs.
Plan N is one of the newest supplements available in Illinois. It fills Medicare coverage gaps in a slightly different way by providing coverage in addition to the standard benefits. Here's what it includes:
- Medicare Part A hospital coinsurance and other costs up to an additional 365 days after Original Medicare benefits are exhausted
- Medicare Part A hospice care coinsurance or co-payment
- Medicare Part B coinsurance or co-payments (except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that do not result in inpatient care)
- First three pints of blood used in a medical procedure
Plan N also offers these additional benefits:
- Skilled Nursing Facility (SNF) coinsurance
- Medicare Part A deductible
- Foreign travel emergency care (up to plan limits)
Monthly Premium as Tested: $110.00
IMPORTANT: Plan N typcally costs about 25% less than a Plan F because it covers fewer gaps. In most cases, beneficiaries will be required to pay a $20 copayment when they see their doctor or go to the emergency room (unless admitted). Plus, the Part B deductible and Part B excess charges are not covered.
Health Alliance Medical Plan offers its supplemental insurance policies in Chicago, Naperville, Elgin, Aurora, Rockford, Joliet, Springfield, Peoria, Waukegan, Cicero, and most other Illinois towns, cities, and rural areas.
The Med Supp data on MedicareNavigators.com comes from Medicare.gov and private sources and is subject to update without notice. The Centers for Medicare and Medicaid Services, the Illinois State Insurance Commission, and Health Alliance have not reviewed nor do they endorse our content.
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The Health Alliance emblem and name are legal U.S. trademarks of Health Alliance Medical Plan. We make no claim to the marks, nor do we represent Health Alliance or its products and services. We use the company's name and emblem on this page for editorial purposes, as permitted by U.S. Trademark Fair Use Law and the laws of the Great State of Illinois.
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