Best Medicare Supplement Plans in California

Original Medicare often has “gaps” in coverage; this falls on you to pay out of pocket. This may include coinsurance, copayments, and deductibles.

The federal government standardizes all Medicare Supplement plans, so all 10 Medigap plan types offer the same benefits, regardless of which company offers the plans.

These are California‘s four most popular Medicare Supplement Plans:

Medicare Supplement Plan G is the best plan in California and offers the most comprehensive coverage for those with a Medicare 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 is the second-best plan and 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.

And for those wanting the lowest possible monthly rate, High Deductible Plan G comes in at $65.90 per month.

High Deductible G Benefits:

  • Same Benefits as Medicare Plan G
  • Annual Deductible of $2,700
  • Significantly Cheaper than Medicare Plan G
  • Considerably Cheaper than High Deductible Plan F yet Covers everything in high deductible F except for the Part B Deductible 

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.

Top Medicare Supplement Insurance Companies in California

1. Cigna – This company is known for its knowledge and for 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.

How Much Does Medicare Supplement Insurance Cost in California?

The average cost for a Medigap plan in California is $129 per month.

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.

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

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.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.