California Medicare Supplement Plans

  1. List of Carriers
  • USAA Life 
  • Blue Shield of California Life and Health
  • Globe Life and Accident
  • AARP (United Healthcare)
  • Anthem Blue Cross 
  • Loyal American (Cigna)
  • Humana
  • Mutual of Omaha
  • State Farm
  • United American
  • Health Net Life
  1. List of Towns/Cities (10 – 20)
  1. Los Angeles
  2. San Diego
  3. San Jose
  4. San Francisco
  5. Fresno
  6. Sacramento
  7. Long Beach
  8. Oakland
  9. Bakersfield
  10. Anaheim
  11. Santa Ana
  12. Riverside
  13. Stockton
  14. Chula Vista
  15. Irvine
  1. Top Medigap Plans (Plan Types/Letters, Carriers)
  • Medigap Plan A

A basic Medigap Plan A option, by law, must be offered by all Medicare supplement providers. This plan is considered the simplest of all plan types, offering the least amount of coverage for a very low cost.

Despite covering the fewest, Medigap Plan A still has a selection of preferred and popular options from the carriers who offer it in California, including:

  1. State Farm Mutual Automobile Insurance Company – $85 per month.
  2. Globe Life and Accident Insurance Company – $97 per month.
  3. AARP (United Healthcare) Medicare Supplement Plans – $105.84 per month.
  4. USAA Life Insurance Company – $111.01 per month.
  5. Transamerica Premier Life Insurance Company – $115.98 per month w/ $25 policy fee.
  6. Health Net Life Insurance Company – $118 per month.
  7. Blue Shield of California Life and Health Insurance Company – $122 per month.
  8. United American Insurance Company – $123 per month.
  9. Anthem Blue Cross Life and Health Insurance Company – $124.17 per month.
  10. Mutual of Omaha Insurance Company – $164.69 per month.
  • Medigap Plan F

Medigap Plan F is the most popular choice of Medicare supplement plan type in California. With competitive premiums and more coverage provided than any other plan type, many decide on a Plan F for themselves.

Several Medicare supplement plan providers sell Medigap Plan F in California. However, the following companies below sell some of the most popular choices, including:

  • USAA Life Assurance Company – $152.32 per month.
  • State Farm Mutual Automobile Insurance Company – $154.61 per month.
  • Blue Shield of California Life & Health Insurance company – $160 per month.
  • Globe Life and Accident Insurance Company – $160.50 per month.
  • Health Net Life Insurance Company – $169 per month.
  • Anthem Blue Cross Life and Health Insurance Company – $170.14 per month.
  • AARP (United Healthcare) Medicare Supplement Plans – $181.84 per month.
  • Transamerica Premier Life Insurance Company – $197.17 per month.
  • United American Insurance Company – $205 per month.
  • Loyal American Life Insurance Company (Cigna) – $209.89 per month.
  • Medigap Plan G

For many, Medigap Plan G is the next choice behind Medigap Plan F for receiving Medicare supplement coverage. And, come 2020, you will no longer be able to enroll into Medigap Plan F. 

This makes Medigap Plan G a very popular plan type you will first check for when enrolling.

For Medigap Plan G in California, the following companies each offer a most popular plan of their own:

  1. USAA Life Assurance Company – $138.21 per month.
  2. AARP (United Healthcare) Medicare Supplement Plans – $140.48 per month.
  3. Anthem Blue Cross Life and Health Insurance Company – $142.41 per month.
  4. Globe Life and Accident Insurance Company – $145 per month.
  5. Transamerica Premier Life Insurance Company – $152.05 per month w/ $25 policy fee.
  6. Health Net Life Insurance Company – $155.00 per month.
  7. Loyal American Life Insurance Company (Cigna) – $159.55 per month w/ $20 policy fee.
  8. Blue Shield of California Life and Health Insurance Company – $165 per month.
  9. Combined Insurance Company of America – $171.81 per month w/ $25 policy fee.
  10. United America Insurance Company – $172 per month.
  • Medigap Plan N

Medigap Plan N, another of the most popular Medigap plan types, provides a similar amount of coverage from both Plan F and G, but at an even lower cost. When you are looking for the cheapest option of the most popular plans, Plan N is likely your best bet.

Several California healthcare providers have quality Medigap Plan N plan options, all with standardized coverage, but different company quality and premiums:

  1. USAA Life Insurance Company – $102.34 per month.
  2. AARP (United Healthcare) Medicare Supplement Plans – $112.31 per month.
  3. Globe Life and Accident Insurance Company – $122.50 per month.
  4. Blue Shield of California Life and Health Insurance Company — $124 per month.
  5. Loyal American Life Insurance Company (Cigna) – $125.32 per month w/ $20 policy fee.
  6. United American Insurance Company – $128 per month.
  7. Humana Insurance Company – $137.41 per month.
  8. National Guardian Life Insurance Company – $141.71 per month w/ $25 policy fee.
  9. Anthem Blue Cross Life and Health Insurance Company – $142.28 per month.
  10. Mutual of Omaha Insurance Company – $166.64 per month.
  1. Birthday Rule

In California, a unique perk called the “Birthday Rule,” allows residents to enroll into a Medigap plan 30 days after their birthday every year. This Birthday Rule period is considered “guaranteed issue,” which means that no matter your health status, you can’t and won’t be denied by the provider of your choice because of previous or current issues.

However, even the Birthday Rule has a few guidelines to consider – 

  1. You must already be enrolled into a Medigap plan when taking advantage of the rule. If you are a new applicant, you’re not applicable to the rule.
  1. When you switch plans, you can either switch to the same plan type from a different company – like Plan F from Humana to Plan F from Mutual of Omaha – or to one with lesser benefits.
  1. The Birthday Rule only applies to Medicare supplement plans – not Medicare advantage plans.

With this rule, California residents can continue to reassess their Medigap coverage choices per year, changing regularly to always have the correct option for their budget and benefit needs.

  1. Medicare Part A and B

The state of California requires you to have both Medicare Part A and Part B to qualify for enrollment into a Medicare supplement plan. Once enrolled into both parts, your Medigap plan can pay for the other 20% that your Original Medicare (Parts A and B) does not cover.

Medicare Part A

Medicare Part A is your hospital coverage under Medicare. When you turn 65, it is automatically provided to you, so long as you are eligible.

If you have worked more than 10 years, paying your Social Security taxes along the way, then you will not have a premium for Medicare Part A. In general, this is the most common situation and you should likely not expect to have a Part A premium yourself.

However, a Part A deductible must be paid before receiving your coverage, some of which includes:

  • Care Given in a Hospital
  • Home Healthcare
  • Skilled Nursing Facility
  • Short Term Nursing Home Coverage
  • Hospice Stay

Medicare Part B

Medicare Part B is your medical coverage under Medicare. Part B, unlike Part A, is optional and you can choose to either delay or opt out entirely of having medical coverage through Medicare.

Everyone enrolled into Medicare Part B is charged a monthly premium. Be aware that this premium is based on your income and must be paid for as long as you remain enrolled. If you choose to delay receiving your Part B coverage, you may find your Part B premium cost higher.

Some of your Medicare Part B services include, but are not limited to:

  • Doctor Office Services
  • Mental Healthcare
  • Diabetes Screenings and Management
  • Medical Equipment like Wheelchairs
  • Ambulance Services
  • Lab Work
  1. General Medigap Information
  1. Medigap Under 65