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Best Medicare Supplement Plans in California

If you are a Medicare beneficiary, a Medicare Supplement plan in California for 2022 can help you cover some of those out-of-pocket costs that Original Medicare does not include in your health care benefits.

Medicare Supplement insurance plans cover medical expenses like:

In California, when you enroll in Medicare benefits through the U.S. Federal Medicare Program, you can get coverage in one of two ways:

  1. Original Medicare Part A and/or Part B
  2. Medicare Advantage (Medicare Part C) – sold by private insurance companies that bundle Parts A and B together into one plan. Many plans also include extra benefits and prescription drug plans.
Find Plans in Your Area

Most popular Medicare Supplement Plans in California

Which Medicare Supplement plan in California is best depends on the individual needs of beneficiaries.

This top-five list shows how they compare in 2022:

Best Full Coverage: Medicare Supplement Plan F

  • Medicare Plan F offers the most comprehensive coverage, including all copayments, Part A deductible, Medicare Part B deductible, and all coinsurances.
  • Beneficiaries must have enrolled in Original Medicare before January 1, 2020, to be eligible because this plan includes the Medicare Part B deductible.

Best Comprehensive Plan: Medicare Supplement Plan G

  • Medigap Plan G has the most comprehensive coverage for those enrolled in Medicare before January 1, 2020.
  • Great cost savings vs. Plan F for those with both options.

Best Value: Medicare Supplement Plan N

  • Medicare Plan N offers good savings in monthly premium costs for those willing to forfeit certain benefits.
  • Plan N covers 100 percent of Part B coinsurance except doctor visit copays up to $20.00 and emergency room visit copays of $50.00 (waived if admitted).

Best Deductible Plan: High-Deductible Plan F

  • Offers same coverage as standard Plan F but must meet annual deductible of $2,490.00 before coverage starts.
  • Substantially less expensive than standard Plan F

Best for Lowest Premiums: High-Deductible Plan G

  • Offers same coverage as standard Plan G but must meet annual deductible of $2,490.00 before coverage starts.
  • Substantially less expensive than standard Plan G.

Medicare Supplement plans in California DO NOT cover:

  • Vision care
  • Dental care
  • Hearing care
  • Prescription drug coverage (Medicare Part D)

Medicare Supplement Insurance cost in California

The exact pricing for Medigap policies in California depends on which plan you choose, where you live, personal health conditions, and how your insurer rates monthly premiums.

65-Year Old Female Non-tobacco
Plan Type Premium Range
Plan G$138.00 - $241.57
Plan N$130.00 - $176.97

When can I apply for a Medicare Supplement plan?

Medigap Open Enrollment Period

Age 65 and up

Eligibility for enrollment in Medigap policies in California begins the month you are 65 – or older – and enrolled in Medicare Part B. This period is called your Medigap Open Enrollment Period and lasts for six months.

The Medigap Open Enrollment Period (OEP) is the best time to enroll in Medigap in California. During OEP you can get a plan even if you have pre-existing conditions.

The effective date for your new plan is the first day of the month following your application.

Younger than 65

Federal law doesn’t require a Medicare insurance company to sell Medigap to people under age 65. However, in California, if you receive Social Security disability benefits or have end-stage renal disease and Medicare coverage, you can purchase at least one type of Medicare Supplement plan.

If you qualify, your OEP begins after you have received Social Security disability benefits for 25 months (non-consecutive).

Outside OEP with Guaranteed Issue Rights

In California, you can purchase a Medicare Supplement insurance policy if you have Guaranteed Issue Rights.

In this case, private health insurance companies are required by law to:

  • Sell you a Medigap insurance policy
  • Cover any health condition
  • NOT charge more

You may qualify for these rights if you have comparative health coverage that changes.

The Annual Election Period (AEP)

The AEP runs from October 15th to December 7th. Medicare beneficiaries can enroll in Medicare Advantage or a Medicare Part D plan.

California Medicare Supplement Birthday Rule

If you are enrolled in a Medigap plan in California, the birthday rule allows you 60 days of open enrollment for Medigap every year after your birthday.

During this time you can:

  • Purchase a new Medigap plan
  • Avoid medical screening when you switch plans
  • Avoid a new waiting period

To be eligible, enrollees must:

  • Live in California
  • Be currently enrolled in a Medicare Supplement plan in California
  • Switch to plans that have equal or lesser benefits
  • Switch before the 60-day period ends


When can I change Medigap plans?

You can change your Medigap plan at anytime, however it may require health screening or underwriting, unless one of the following applies:

  • You have eligibility through guaranteed issue rights
  • You do so within your initial six-month Medigap Open Enrollment Period
  • You do so within the “birthday rule” 60-day open enrollment period in California and you meet eligibility requirements

Can I be denied Medigap coverage?

Insurance companies cannot refuse to sell you a Medigap plan in California if you enroll during one of your open enrollment periods or if you have guaranteed issue rights.

However, if you apply for a Medicare Supplement plan outside your Medigap Open Enrollment Period, the company may not sell a policy to you unless you meet their medical underwriting stipulations, or you are eligible due to other circumstances.

Related Topics

Ready to learn more?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as AetnaCignaMutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

California State Links

California Medicare Resources:

  • Medi-Cal – Have you noticed those cost-sharing expenses on your Medicare outline of coverage? This program for low-income seniors may help you pay those expenses plus your Part B premiums.
  • Health Insurance Counseling and Advocacy Program (HICAP) – Receive free counseling regarding all aspects of Medicare and long-term care in California. Benefits are available to Medicare participants, their loved ones and anyone soon to enroll in Medicare.

Can I Qualify for Extra Help If I’m Low Income?

Extra Help is a nationwide program that helps seniors and Medicare-eligible disabled residents cover their Medicare Part D deductibles, co-pays and premiums. If you are struggling to pay those expenses on top of your Medigap premium, you can apply through your local Social Security office or with the online form. The amount of help that you receive will depend on your income.

Key Take Aways
  • In California, the birthday gives you 60 days of open enrollment to change Medigap plans every year after your birthday.
  • There are 10 Medicare Supplement Plans in California to choose from.
  • In California, Medicare Supplement Plan G is the most popular plan for 2022.