Plan year 2027 · Blue Cross and Blue Shield of Illinois · St. Clair County, IL
Is Blue Cross and Blue Shield of Illinois leaving St. Clair County in 2027?
Yes. Blue Cross and Blue Shield of Illinois won't offer Medicare Advantage plans in St. Clair County in 2027, affecting about 105 members. 48 plans from other carriers are still offered here.
Step 1 · Check your plan
Is your Blue Cross and Blue Shield of Illinois plan affected?
Tap your plan to see its 2027 status in St. Clair County, or type its name.
Is your plan one of these?
Blue Cross and Blue Shield of Illinois has notified CMS that 5 plans in St. Clair County will no longer be offered starting January 1, 2027. Members will need to choose new coverage during the Annual Enrollment Period (October 15 – December 7, 2026). An estimated 105 Blue Cross and Blue Shield of Illinois members in St. Clair County are affected.
Affected Blue Cross and Blue Shield of Illinois plans
| Plan | What's changing | Effective | What members must do |
|---|---|---|---|
Blue Cross Medicare Advantage Value (HMO) H3822-014 · HMO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
Blue Cross Medicare Advantage Dental Premier (PPO) H8634-021 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
Blue Cross Medicare Advantage Protect (PPO) H8634-019 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
Blue Cross Medicare Advantage Health Choice (PPO) H8634-018 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
Blue Cross Medicare Advantage Essential (PPO) H8634-012 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
What this means for you
If your plan is being terminated
The plan will not exist in 2027. If you do nothing, you return to Original Medicare on January 1 with no drug coverage. You get a Special Enrollment Period from December 8 through the end of February, and guaranteed-issue rights to buy a Medigap policy for 63 days after your coverage ends.
Can you stay with Blue Cross and Blue Shield of Illinois in St. Clair County?
No. Blue Cross and Blue Shield of Illinois has no other Medicare Advantage plans in St. Clair County for 2027, so you'll need a plan from a different carrier. 48 plans from 9 carriers are available.
Plans available in St. Clair County for 2027
Losing a plan does not mean losing options. 48 Medicare Advantage plans from 9 carriers are offered in St. Clair County, Illinois for 2027. 35 have a $0 monthly premium, and 4 are D-SNP plans for people with both Medicare and Medicaid.
| Plan | Type | Monthly premium |
|---|---|---|
| AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare$0/moHMO C-SNP | HMO C-SNP | $0 |
| Aetna Medicare FIDE (HMO D-SNP)Aetna Medicare FIDE$0/moHMO D-SNP | HMO D-SNP | $0 |
Showing the 5 lowest-premium of 48 available plans. 2027 star ratings are published by CMS in early October 2026. Premiums shown are the consolidated Part C + D monthly premium.
Dates that matter
Your ANOC letter arrives
Carriers must mail the Annual Notice of Change — and non-renewal notices — before enrollment opens.
Annual Enrollment Period
Pick your 2027 plan. Coverage you choose starts January 1, 2027.
How it works →Special Enrollment Period
Members of terminated plans get extra time to choose a new Medicare Advantage or Part D plan.
How it works →Guaranteed-issue Medigap window
Losing your plan gives you the right to buy select Medigap policies with no health questions.
Medicare Advantage Open Enrollment
Already in a Medicare Advantage plan on January 1? You can make one change: switch plans or go back to Original Medicare.
How it works →
Other carriers changing plans in St. Clair County
Other Illinois counties Blue Cross and Blue Shield of Illinois is leaving
Step 2 · Tell us where to send your options
Losing your Blue Cross and Blue Shield of Illinois plan? Here are your options
Step 3 · Choose your path
You're all set.
Both options are free. Either way, your information stays with our office.