Medicare Supplement Plans in California

Medicare Supplement plans in California, also called Medigap, help pay for deductibles and coinsurance that Original Medicare doesn’t cover.

Medicare Supplemental insurance policies in California are offered by licensed insurance companies authorized by the California Department of Insurance. Original Medicare often leaves seniors to pay overages, coinsurance, copayments, and deductibles. It’s’ time-consuming and expensive to track all of those out-of-pocket expenses. Medicare Supplement insurance plans in California allow you to pay one monthly premium instead.

The federal government standardizes all Medicare Supplement plans, so all 10 Medigap plan types offer the same benefits. However, it’s’ still essential to understand how the Medigap system works to select the best Medicare Supplement plan based on your healthcare needs and budget.

Medicare Supplement Plan options in California:

Medicare Supplement Plan F

Medicare Plan F has the most comprehensive benefit level; however, the beneficiary must have a Medicare start date before 1/1/20. It includes both the Medicare Part A deductible and Medicare Part B deductible.

Medicare Supplement Plan G

Medicare Plan G has the most comprehensive coverage for those with an effective date post 1/1/20. In addition, compared to Plan F, it has excellent cost savings, especially for those who can choose.

Medicare Supplement Plan N

Medicare Plan N is great for those who want comprehensive coverage and are okay with trading certain benefits for monthly savings. For example, this plan has $50 ER visit copays, but they will be waived if admitted. Also, doctor visits will cover up to $20 for copays.

Top Medicare Supplement Insurance Companies in California

1. Cigna – This company is known for its knowledge and helping its customers through the Medicare process. Cigna is a trusted company with over 165 million customers. Their online platform is easy to navigate, and you can access your plan anytime.

2. Aetna – Aetna is one of the largest insurance companies with extensive extra benefits and more than $0 premium Medicare Advantage plans.

3. Mutual of Omaha – MOO is one of the most financially stable insurers known for its customer satisfaction and local agents.

Medicare Supplement Insurance Cost in California

The average cost for a Medigap plan in California will depend on the insurer. Pricing is based on community ratings, issue age, and attained age.

– Community Rating: Priced for beneficiaries, no matter the age

– Issue age: Pricing is based on the age at the time of purchasing

– Attained age: Pricing will increase with age

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

How does the California Medigap Birthday Rule work?

As of January 1, 2020, the Medigap Birthday Rule in California allows you to make a change during the 60 days following your birthday each year. It used to be limited to 30 days. During this time, you can’t be charged more or turned down for coverage because of pre-existing medical conditions.

However, you are only allowed to switch to a plan with the same or fewer benefits as you already have.

Ready to Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers, such as Aetna, Cigna, and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Related Topics:
Aetna Medigap Plan G
Cigna Medigap Plan G
Mutual of Omaha Plan G
Medicare Supplements 2023

California Enrollment Statistics

California Enrollment Statistics

  • The five largest California counties include Los Angeles, San Diego, Orange, Riverside, and San Bernardino.
  • As of 2019, nearly 500,000 California residents were enrolled in Medigap plans.
  • In 2019, more than 40 percent of Medicare beneficiaries were enrolled in Medicare Advantage or Medicare Supplement insurance plans in California.
  • More than 3.5 million California residents were enrolled in Medicare Part A and Part B in 2019-2020.