Medicare Supplement Plans in California
Medicare Supplement plans in California are sold by private insurers and are primarily regulated by the California Department of Insurance. However, each level of benefits gets standardized by the Center for Medicare and Medicaid or CMS. This makes it simple to compare different companies. Just type your zip code into our quick online quote form to find the best Medicare Supplement plan for you. Also, get more information and contact details by clicking through any of the entries in your personalized results.
Medicare Supplement Plans in California Landscape
California is a vast state with 4.6 million Medicare beneficiaries. These are mostly senior citizens, but some disabled or ill people also qualify.
Learn more about senior citizens in California:
- Percent of CA population on Medicare: 12%
- Percent of seniors in large CA cities:
- San Jose: 10.1
- Los Angeles: 10.5
- San Francisco: 13.6
- Fresno: 9.3
- San Diego: 10.7
- Sacramento: 10.6
Medicare Supplement Plans in California Comparisons
The first thing to understand is that you have choices of many different levels that all have standardized coverage. This page on the Medicare website has them all listed, but this summary might help you figure out which Medicare Supplement plans to look for:
- Basic levels: For essential coverage, like inpatient hospital coinsurance, consider plan levels A and B.
- Comprehensive coverage: Plan level C is considered very rich.
- Excess charges: Medicare Supplement Plan F and Medicare Plan G will pay more than CMS allows for medical services.
- High deductibles: You can choose a high deductible Medicare plan F or regular Medicare plan F.
- Cost sharing with cheaper premiums: Levels K, L, & Medicare Plan N help control rates by offering coverage with more cost sharing.
- Also, consider plan C in California.
The biggest takeaway from this is that it doesn’t matter if you buy your Medicare Supplement Plan in California from Blue Cross, Humana, or any other quality company. You always get the same coverage, so you are free to shop by price.
Top Medicare Supplement plan companies in California:
- Anthem Blue Cross Life and Insurance Company
- Blue Cross California
- Cigna Medigap Plans
- Aetna Medigap Plans
- Globe Life and Accident Insurance
- Mutual of Omaha Medigap Plans
- Health Net of California
Medicare Supplement Plans in California and MA Comparisons
Some Advantage policies come with no monthly premium in California, already have Part D bundled inside, and even provide some extra coverage for things like dental or vision. This makes them very attractive to senior citizens who have to manage tight budgets. On the downside, some Advantage insurance forces members to choose providers from a limited network and impose a lot of cost-sharing for certain services.
Medicare Supplement plans in CA never include additional features, and you will have to buy a stand-alone prescription plan. However, some Californians like the fact that Medigap plans don’t change every year don’t force them to worry about Medicare PPO or HMO networks and help them reduce and manage their health costs.
The right choice depends on available options in a town or city, preferences for medical providers, and budgets. Cheap rates might seem attractive, but they are only helpful if the Medicare Supplement plan covers the services that you depend upon for your health. You won’t save money with a no monthly premium option if you have to spend a lot of money out of your pocket.
Quotes for a Medicare Supplement Plan in California
We make it quick and easy to compare premiums for Medicare Supplement plans in California. Get started by entering your zip code in the form on this page. Learn more by clicking any entry for details.