Effingham County, Illinois: health insurance
What Effingham County residents should know about Medicare, marketplace plans and Medicaid.
Effingham County at a glance
| State | Illinois |
|---|---|
| Population (2023 est.) | 34,331 |
| Population rank in Illinois | 41 of 102 |
| Land area | 479 square miles |
Source: U.S. Census Bureau (Population Estimates 2023; Gazetteer 2023).
Medicare plans leaving Effingham County for 2027
8 Medicare plans from 4 companies are listed in Effingham County for 2026 but not for 2027, covering at least 128 people enrolled in the plans below today.
- HealthSpring Extra Rx (PDP) (S5617-367, Cigna HealthSpring (HCSC))
- HealthSpring Assurance Rx (PDP) (S5617-224, Cigna HealthSpring (HCSC))
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Molina Medicare Complete Care Plus (HMO D-SNP) H3093-003 | Molina Healthcare | 60 |
| Wellcare Simple Essential (HMO) H5779-002 | Wellcare / Ambetter (Centene) | 36 |
| Blue Cross Medicare Advantage Dental Premier (PPO) H8634-021 | Blue Cross (Health Care Service Corp) | 20 |
| Blue Cross Medicare Advantage Health Choice (PPO) H8634-018 | Blue Cross (Health Care Service Corp) | 12 |
| Blue Cross Medicare Advantage Protect (PPO) H8634-019 | Blue Cross (Health Care Service Corp) | 10 or fewer |
| Wellcare Patriot Giveback (HMO) H5779-011 | Wellcare / Ambetter (Centene) | 10 or fewer |
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Is your plan on this list? Call 855-367-1095 and we will look at what is available where you live, with no obligation to enroll.
Why your county matters for coverage
In Illinois, the health plans you can choose depend on where you live. Medicare Advantage and Part D plans are offered by service area, usually county by county, and marketplace premiums and carriers are set by area as well. Living in Effingham County means the options on this page apply to you, and plans in a neighboring county may differ.
- Medicare: Illinois Senior Health Insurance Program (SHIP) gives free, unbiased counseling at 800-252-8966. Ask which plans serve Effingham County specifically.
- Marketplace plans: shop through Get Covered Illinois; enter your Effingham County ZIP code to see what is offered.
- Medicaid: apply through Illinois Department of Healthcare and Family Services (HFS).
Illinois note: Illinois is one of the most recent states to move off the federal Marketplace -- Get Covered Illinois only replaced HealthCare.gov as of the November 2025 open enrollment period, so older search results or bookmarks pointing to HealthCare.gov for Illinois are now out of date.
Questions about Effingham County
Are the same Medicare plans offered everywhere in Illinois?
No. Plans are offered by service area. A plan available in one county may not be offered in Effingham County, so check by county.
Where do Effingham County residents get free Medicare counseling?
Illinois Senior Health Insurance Program (SHIP) (800-252-8966) is Illinois's free SHIP program.
Do I have to enroll if I call?
No. Calling is a conversation about your options, and you are never required to enroll.
Effingham County residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Other large counties
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.