California seniors can choose from any of the 13 companies selling Medicare Supplement insurance. Medicare plans help you pay the portion of Part A and Part B that Original Medicare does not cover. Frequently referred to as Medigap, standardized plans cover deductibles, copayments and coinsurances at varying levels to meet different needs.
What You Must Know about Medicare Supplements in California
If this is your first time considering a Medicare Supplement in California, and you’re not exact sure which plan to choose, read our Medicare Supplement Plan information page. It’s important to know that all lettered plans are standardized, but the monthly premiums are not. Our goal is to give you a complete run down on all California carriers, policies and benefits.
Medicare Supplements vs. Medicare Advantage
Medicare Supplements offer freedom of choice. This freedom comes at a price, and premiums are increasing. That’s why there’s Medicare Advantage. A California Medicare Advantage (MA) plan protects you from big healthcare bills and may provide additional options that Original Medicare does not.
The advantage of these plans is cost and additional benefits. Most MA plans offer Medicare Part D coverage for your prescriptions, and some offer dental, vision and hearing benefits. The disadvantage is choice, because you may be restricted to using healthcare providers in a plan’s network.
The important thing to know about every Medicare Advantage plan is that they limit your Maximum Out-of-Pocket (MOOP) expense to a maximum of $6,700 per year. That makes them worth comparing to Medicare Supplements. We have the complete catalog of 2018 Medicare Advantage Plans available in California.
California Medicare Part D Plans (Rx)
Don’t forget that Original Medicare and a California Medicare Supplement do not cover prescriptions. For this you need a Medicare Part D plan (PDP). We offer the complete catalog of 2018 Medicare Part D Plans in California.
Medicare Supplement Eligability
You can apply for a California Medicare Supplement if you are:
- A California resident,
- Enrolled in both Medicare Part A and Part B, and
- You are 65 years old or older.
Supplemental plans are available in the following counties: Los Angeles, Orange, Ventura, San Bernardino, Riverside, San Diego, Imperial, Inyo, Santa Barbara, Tulare, Kings, Kern, Fresno, San Luis Obispo, Monterey, Mono, Madera, Merced, Mariposa, San Mateo, Santa Clara, San Francisco, Sacramento, Alameda, Napa, Contra Costa, Solano, Marin, Sonoma, Santa Cruz, San Benito, San Joaquin, Calaveras, Tuolumne, Stanislaus, Mendocino, Lake, Humboldt, Trinity, Del Norte, Siskiyou, Amador, Placer, Yolo, El Dorado, Alpine, Sutter, Yuba, Nevada, Sierra, Colusa, Glenn, Butte, Plumas, Shasta, Modoc, Lassen, Tehama, and most rural areas of California.
Rates shown are samples from within California for comparison purposes only. This page was last updated on 9/24/2017.