Compare Medicare Supplement Plans in California

Medicare Supplement insurance (also called Medigap) helps senior and disabled California residents pay for certain Medicare co-payments, deductibles, and other costs. Insurance companies can offer state residents one of the 10 standardized Medigap plan options: Plans A, B, C, D, F, G, K, L, M, and N.

Important: Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020.

California Medigap enrollment statistics

The chart below shows which Medicare Supplement Insurance plans are most popular in California.

Medicare Supplement Insurance pricing methods

Medigap pricing methods are important because they dictate how your premiums may increase in future years. There are 3 different pricing methods to consider before you enroll in Medicare Supplement Insurance:

• Attained-age rated: The premium increases as you age.
• Issue-age rated: The premium is based on your age when you buy and it may increase due to inflation and other factors, but not due to your age.
• Community rated: The same premium is charged to all who enroll.

Under 65 enrollment rules

Although Medicare Supplement insurance is primarily for senior citizens, it also covers disabled people and those with end-stage renal disease (ESRD). Each state’s insurance department dictates the rules governing Medicare beneficiaries under the age of 65.

Insurance companies selling Medigap plans in California must offer at least one plan to under-65 Medicare beneficiaries who are disabled. California provides protections through an open enrollment period and guaranteed issue rights for under-65 disabled residents.

California Medigap insurance companies do not have to offer the same premium for all under-65 plan enrollees. Insurance companies are allowed to charge under-65 policyholders different premiums from their senior policyholders.