name = "Atlas Commons research objects — Medicare plans in Monroe, Illinois (CY2026)"
description = "CMS CY2026 Medicare Advantage and Part D plans available in Monroe, Illinois: plan count (AGGREGATED), premium range (RECORDED from CMS Landscape Files), CMS star ratings (DETERMINATION — CMS-issued institutional quality rating), and epistemic boundary (INTERPRETATION). Premiums are base plan premiums; actual cost depends on Part B premium, IRMAA, and LIS. Star ratings are CMS quality scores. This surface informs; it does not rank or advise. Use medicare.gov/plan-compare to enroll. CC0."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/medicare-plans/il/monroe.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/medicare-plans/il/monroe/plan-count"
warrant = "DERIVED"
name = "48 Medicare plans are available in Monroe, Illinois for contract year 2026"
text = "The CMS CY2026 Medicare Landscape Files record 48 Medicare Advantage and Part D plans available in Monroe, Illinois. Atlas Commons counted the rows; CMS published the underlying plan×county records, not this county-level total."
source = "CMS CY2026 Medicare Landscape Files"
sourceUrl = "https://www.cms.gov/medicare/health-drug-plans/medicare-advantage/plan-information/plan-information"
falsifier = "occurred=TRUE: a faithful COUNT/SUM/total over the named record set that introduces NO modeling choice — it IS the case in the record. adjudged=FALSE: Atlas Commons computed the aggregate; CMS CY2026 Medicare Landscape Files published the underlying records, NOT this figure. Re-count it from the named source to verify. Distinct from a median/ratio/index (which picks a population, weighting, denominator, or threshold — a constructed statistic → 'derived', occurred=FALSE) and from an authority-published total (→ 'recorded', adjudged=TRUE)."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/medicare-plans/il/monroe/premium-range"
warrant = "RECORDED"
name = "Monthly premiums for Medicare plans in Monroe, Illinois range from $0.00/mo to $254.00/mo (CY2026)"
text = "The CMS CY2026 Medicare Landscape Files publish per-plan monthly consolidated premiums for Monroe, Illinois. Across the 48 plans with a published premium, the range is $0.00/mo to $254.00/mo. These are the plan's base monthly premium — your actual cost depends on income-related adjustments (IRMAA), any applicable Low Income Subsidy (LIS/Extra Help), and your Part B premium. A $0 plan premium does not mean $0 total cost."
source = "CMS CY2026 Medicare Landscape Files"
sourceUrl = "https://www.cms.gov/medicare/health-drug-plans/medicare-advantage/plan-information/plan-information"
falsifier = "Verify in the CMS CY2026 Medicare Landscape Files for Monroe, Illinois. Falsified if the CMS-published per-plan premium figures differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/medicare-plans/il/monroe/star-ratings"
warrant = "PROJECTED"
name = "CMS assigned star ratings to 39 of 48 Medicare plans in Monroe, Illinois (CY2026); average overall: 3.6 stars"
text = "CMS issued Overall star ratings (1–5 stars) to 39 of 48 Medicare plans in Monroe, Illinois for CY2026. The unweighted average overall star rating across rated plans is 3.6. Star ratings are CMS quality scores — an institutional determination, not a measured event. A higher rating reflects better performance across CMS quality measures. Ratings cover the contract's overall performance, not this county specifically; a plan may be available in your county with a rating earned across its full service area."
source = "CMS CY2026 Medicare Landscape Files"
sourceUrl = "https://www.cms.gov/medicare/health-drug-plans/medicare-advantage/plan-information/plan-information"
falsifier = "Verify CMS star ratings for these contract IDs at the CMS Medicare Plan Finder or the CMS star ratings dataset. Falsified if the CMS-published ratings for these contracts differ. Note: PDP-only plans and newly contracted plans may not have an overall star rating — the 9 unrated plans in this county are not rated, not unqualified."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/medicare-plans/il/monroe/boundary"
warrant = "INTERPRETATION"
name = "What these Medicare plan figures are — and are NOT — for Monroe, Illinois (the epistemic boundary)"
text = "This page lists Medicare Advantage (MA) and Part D Prescription Drug Plan (PDP) plans available in Monroe, Illinois for CY2026, with their CMS-published base premiums and CMS star ratings. The premiums shown are the PLAN's base monthly premium — your actual monthly cost depends on the Part B premium (deducted from Social Security for most enrollees), income-related premium adjustments (IRMAA), and any Low Income Subsidy (Extra Help). A star rating is CMS's quality score for the plan's overall performance — a higher rating is generally better, but the \"best\" plan depends on your specific prescriptions, preferred doctors, and budget. This surface informs and compares; it does NOT rank plans, recommend a \"best\" plan, or account for your individual situation. To compare plans with your specific drugs and providers and to enroll, use the official Medicare Plan Finder at medicare.gov/plan-compare. For free, unbiased help, contact your State Health Insurance Assistance Program (SHIP) or call 1-800-MEDICARE (1-800-633-4227)."
source = "Coverage Atlas framing (over the CMS facts above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/medicare-plans/il/monroe"
falsifier = "occurred=FALSE (a framing) and adjudged=FALSE (the atlas's reading, not a CMS verdict) — the LOWEST-warrant claim here."

[[medicarePlans]]
contract_plan_id = "H1608_013"
plan_name = "Aetna Medicare Enhanced (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Aetna Medicare"
monthly_premium_usd = 60
overall_stars = 3.5
moop_in_network_usd = 7500
snp = "No"

[[medicarePlans]]
contract_plan_id = "H1608_050"
plan_name = "Aetna Medicare Elite (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Aetna Medicare"
monthly_premium_usd = 0
overall_stars = 3.5
moop_in_network_usd = 4500
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2001_037"
plan_name = "UHC Complete Care Support ST-1A (PPO C-SNP)"
category = "SNP"
plan_type = "PPO C-SNP"
organization = "UnitedHealthcare"
monthly_premium_usd = 15.2
overall_stars = 4.5
moop_in_network_usd = 9250
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2406_043"
plan_name = "AARP Medicare Advantage from UHC ST-0001 (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "UnitedHealthcare"
monthly_premium_usd = 53
overall_stars = 4
moop_in_network_usd = 4500
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2406_069"
plan_name = "AARP Medicare Advantage from UHC ST-2 (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "UnitedHealthcare"
monthly_premium_usd = 0
overall_stars = 4
moop_in_network_usd = 6700
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2610_005"
plan_name = "Essence Advantage (HMO)"
category = "MA-PD"
plan_type = "HMO"
organization = "Essence Healthcare"
monthly_premium_usd = 0
overall_stars = 4.5
moop_in_network_usd = 3400
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2610_006"
plan_name = "Essence Advantage Plus (HMO)"
category = "MA-PD"
plan_type = "HMO"
organization = "Essence Healthcare"
monthly_premium_usd = 59
overall_stars = 4.5
moop_in_network_usd = 2900
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2610_016"
plan_name = "Essence Advantage Select (HMO)"
category = "MA-PD"
plan_type = "HMO"
organization = "Essence Healthcare"
monthly_premium_usd = 0
overall_stars = 4.5
moop_in_network_usd = 3900
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2663_006"
plan_name = "Aetna Medicare Enhanced Extra (HMO-POS)"
category = "MA-PD"
plan_type = "HMO-POS"
organization = "Aetna Medicare"
monthly_premium_usd = 40
overall_stars = 4
moop_in_network_usd = 5900
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2663_100"
plan_name = "Aetna Medicare Chronic Care (HMO C-SNP)"
category = "SNP"
plan_type = "HMO C-SNP"
organization = "Aetna Medicare"
monthly_premium_usd = 0
overall_stars = 4
moop_in_network_usd = 6750
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2663_103"
plan_name = "Aetna Medicare Signature (HMO-POS)"
category = "MA-PD"
plan_type = "HMO-POS"
organization = "Aetna Medicare"
monthly_premium_usd = 0
overall_stars = 4
moop_in_network_usd = 4200
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2715_003"
plan_name = "Molina Medicare Choice Care (HMO)"
category = "MA-PD"
plan_type = "HMO"
organization = "Molina Healthcare of Illinois"
monthly_premium_usd = 0
overall_stars = "Not rated"
moop_in_network_usd = 9250
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2802_028"
plan_name = "AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)"
category = "MA-PD"
plan_type = "HMO-POS"
organization = "UnitedHealthcare"
monthly_premium_usd = 0
overall_stars = 4
moop_in_network_usd = 3200
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2802_050"
plan_name = "AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS)"
category = "MA"
plan_type = "HMO-POS"
organization = "UnitedHealthcare"
monthly_premium_usd = "N/A"
overall_stars = 4
moop_in_network_usd = 4900
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2802_052"
plan_name = "AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS)"
category = "MA-PD"
plan_type = "HMO-POS"
organization = "UnitedHealthcare"
monthly_premium_usd = 0
overall_stars = 4
moop_in_network_usd = 3900
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2802_071"
plan_name = "AARP Medicare Advantage from UHC ST-1P (HMO-POS)"
category = "MA-PD"
plan_type = "HMO-POS"
organization = "UnitedHealthcare"
monthly_premium_usd = 0
overall_stars = 4
moop_in_network_usd = 2900
snp = "No"

[[medicarePlans]]
contract_plan_id = "H2802_073"
plan_name = "AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS)"
category = "MA-PD"
plan_type = "HMO-POS"
organization = "UnitedHealthcare"
monthly_premium_usd = 0
overall_stars = 4
moop_in_network_usd = 6700
snp = "No"

[[medicarePlans]]
contract_plan_id = "H3093_003"
plan_name = "Molina Medicare Complete Care Plus (HMO D-SNP)"
category = "SNP"
plan_type = "HMO D-SNP"
organization = "Molina Healthcare of Illinois"
monthly_premium_usd = 0
overall_stars = "Not rated"
moop_in_network_usd = 9250
snp = "No"

[[medicarePlans]]
contract_plan_id = "H4329_001"
plan_name = "Humana Dual Fully Integrated (HMO D-SNP)"
category = "SNP"
plan_type = "HMO D-SNP"
organization = "Humana"
monthly_premium_usd = 0
overall_stars = "Not rated"
moop_in_network_usd = 9250
snp = "No"

[[medicarePlans]]
contract_plan_id = "H5216_032"
plan_name = "HumanaChoice H5216-032 (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Humana"
monthly_premium_usd = 63
overall_stars = 3.5
moop_in_network_usd = 9250
snp = "No"

[[medicarePlans]]
contract_plan_id = "H5216_278"
plan_name = "Humana USAA Honor Giveback (PPO)"
category = "MA"
plan_type = "PPO"
organization = "Humana"
monthly_premium_usd = "N/A"
overall_stars = 3.5
moop_in_network_usd = 4700
snp = "No"

[[medicarePlans]]
contract_plan_id = "H5216_318"
plan_name = "Humana Value Choice H5216-318 (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Humana"
monthly_premium_usd = 0
overall_stars = 3.5
moop_in_network_usd = 3500
snp = "No"

[[medicarePlans]]
contract_plan_id = "H5216_399"
plan_name = "HumanaChoice H5216-399 (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Humana"
monthly_premium_usd = 18
overall_stars = 3.5
moop_in_network_usd = 6000
snp = "No"

[[medicarePlans]]
contract_plan_id = "H5216_403"
plan_name = "HumanaChoice Giveback H5216-403 (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Humana"
monthly_premium_usd = 0
overall_stars = 3.5
moop_in_network_usd = 4500
snp = "No"

[[medicarePlans]]
contract_plan_id = "H5779_002"
plan_name = "Wellcare Simple Essential (HMO)"
category = "MA-PD"
plan_type = "HMO"
organization = "Wellcare"
monthly_premium_usd = 0
overall_stars = 3
moop_in_network_usd = 4200
snp = "No"

[[medicarePlans]]
contract_plan_id = "H5779_009"
plan_name = "Wellcare Simple Essential Value (HMO)"
category = "MA-PD"
plan_type = "HMO"
organization = "Wellcare"
monthly_premium_usd = 0
overall_stars = 3
moop_in_network_usd = 3900
snp = "No"

[[medicarePlans]]
contract_plan_id = "H5779_010"
plan_name = "Wellcare Giveback (HMO)"
category = "MA-PD"
plan_type = "HMO"
organization = "Wellcare"
monthly_premium_usd = 0
overall_stars = 3
moop_in_network_usd = 7500
snp = "No"

[[medicarePlans]]
contract_plan_id = "H5779_011"
plan_name = "Wellcare Patriot Giveback (HMO)"
category = "MA"
plan_type = "HMO"
organization = "Wellcare"
monthly_premium_usd = "N/A"
overall_stars = 3
moop_in_network_usd = 5500
snp = "No"

[[medicarePlans]]
contract_plan_id = "H6200_001"
plan_name = "Essence Advantage Choice (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Essence Healthcare"
monthly_premium_usd = 0
overall_stars = 3
moop_in_network_usd = 5400
snp = "No"

[[medicarePlans]]
contract_plan_id = "H6200_008"
plan_name = "Essence Advantage Premier Plus (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Essence Healthcare"
monthly_premium_usd = 254
overall_stars = 3
moop_in_network_usd = 2000
snp = "No"

[[medicarePlans]]
contract_plan_id = "H6971_001"
plan_name = "Wellcare Meridian Dual Align (HMO D-SNP)"
category = "SNP"
plan_type = "HMO D-SNP"
organization = "Wellcare"
monthly_premium_usd = 14.2
overall_stars = "Not rated"
moop_in_network_usd = 9250
snp = "No"

[[medicarePlans]]
contract_plan_id = "H7301_007"
plan_name = "Aetna Medicare Signature (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Aetna Medicare"
monthly_premium_usd = 0
overall_stars = 3.5
moop_in_network_usd = 5500
snp = "No"

[[medicarePlans]]
contract_plan_id = "H7301_009"
plan_name = "Aetna Medicare Enhanced (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Aetna Medicare"
monthly_premium_usd = 37
overall_stars = 3.5
moop_in_network_usd = 4700
snp = "No"

[[medicarePlans]]
contract_plan_id = "H7617_012"
plan_name = "Humana USAA Honor Giveback (PPO)"
category = "MA"
plan_type = "PPO"
organization = "Humana"
monthly_premium_usd = "N/A"
overall_stars = 4.5
moop_in_network_usd = 4700
snp = "No"

[[medicarePlans]]
contract_plan_id = "H7617_013"
plan_name = "HumanaChoice Giveback H7617-013 (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Humana"
monthly_premium_usd = 0
overall_stars = 4.5
moop_in_network_usd = 4500
snp = "No"

[[medicarePlans]]
contract_plan_id = "H7617_023"
plan_name = "Humana Value Choice H7617-023 (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Humana"
monthly_premium_usd = 0
overall_stars = 4.5
moop_in_network_usd = 3500
snp = "No"

[[medicarePlans]]
contract_plan_id = "H7849_077"
plan_name = "HealthSpring True Choice Savings (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "HealthSpring"
monthly_premium_usd = 0
overall_stars = 3
moop_in_network_usd = 4250
snp = "No"

[[medicarePlans]]
contract_plan_id = "H8320_005"
plan_name = "DEVOTED CHOICE 005 IL (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Devoted Health"
monthly_premium_usd = 0
overall_stars = "Not rated"
moop_in_network_usd = 3900
snp = "No"

[[medicarePlans]]
contract_plan_id = "H8320_006"
plan_name = "DEVOTED CHOICE GIVEBACK 006 IL (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Devoted Health"
monthly_premium_usd = 0
overall_stars = "Not rated"
moop_in_network_usd = 9250
snp = "No"

[[medicarePlans]]
contract_plan_id = "H8320_012"
plan_name = "DEVOTED C-SNP CHOICE PLUS 012 IL (PPO C-SNP)"
category = "SNP"
plan_type = "PPO C-SNP"
organization = "Devoted Health"
monthly_premium_usd = 15.2
overall_stars = "Not rated"
moop_in_network_usd = 9250
snp = "No"

[[medicarePlans]]
contract_plan_id = "H8320_014"
plan_name = "DEVOTED C-SNP CHOICE PREMIUM 014 IL (PPO C-SNP)"
category = "SNP"
plan_type = "PPO C-SNP"
organization = "Devoted Health"
monthly_premium_usd = 15.2
overall_stars = "Not rated"
moop_in_network_usd = 4200
snp = "No"

[[medicarePlans]]
contract_plan_id = "H8634_012"
plan_name = "Blue Cross Medicare Advantage Essential (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Blue Cross and Blue Shield of IL, NM, OK, TX"
monthly_premium_usd = 0
overall_stars = 3
moop_in_network_usd = 6700
snp = "No"

[[medicarePlans]]
contract_plan_id = "H8634_018"
plan_name = "Blue Cross Medicare Advantage Health Choice (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Blue Cross and Blue Shield of IL, NM, OK, TX"
monthly_premium_usd = 0
overall_stars = 3
moop_in_network_usd = 9000
snp = "No"

[[medicarePlans]]
contract_plan_id = "H8634_019"
plan_name = "Blue Cross Medicare Advantage Protect (PPO)"
category = "MA"
plan_type = "PPO"
organization = "Blue Cross and Blue Shield of IL, NM, OK, TX"
monthly_premium_usd = "N/A"
overall_stars = 3
moop_in_network_usd = 6750
snp = "No"

[[medicarePlans]]
contract_plan_id = "H8634_021"
plan_name = "Blue Cross Medicare Advantage Dental Premier (PPO)"
category = "MA-PD"
plan_type = "PPO"
organization = "Blue Cross and Blue Shield of IL, NM, OK, TX"
monthly_premium_usd = 0
overall_stars = 3
moop_in_network_usd = 7500
snp = "No"

[[medicarePlans]]
contract_plan_id = "H9771_001"
plan_name = "Aetna Medicare FIDE (HMO D-SNP)"
category = "SNP"
plan_type = "HMO D-SNP"
organization = "Aetna Medicare FIDE"
monthly_premium_usd = 15.2
overall_stars = "Not rated"
moop_in_network_usd = 9250
snp = "No"

[[medicarePlans]]
contract_plan_id = "R5361_001"
plan_name = "Humana USAA Honor Giveback (Regional PPO)"
category = "MA"
plan_type = "Regional PPO"
organization = "Humana"
monthly_premium_usd = "N/A"
overall_stars = 3
moop_in_network_usd = 6750
snp = "No"

[[medicarePlans]]
contract_plan_id = "R5361_002"
plan_name = "HumanaChoice R5361-002 (Regional PPO)"
category = "MA-PD"
plan_type = "Regional PPO"
organization = "Humana"
monthly_premium_usd = 103
overall_stars = 3
moop_in_network_usd = 7200
snp = "No"
