Health Net has the best Medicare Supplement plans in California, with 23% below-average rates for the nation's most popular plan (Plan G). Since pricing differs widely by policy letter, you should also look into Humana and Cigna for affordable plans.
Best Medicare Supplement Plans in California
Health Net, Humana and Cigna offer the best Medicare Supplement plans in California with up to 23% savings on Plan G policies.

Updated: May 26, 2025
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Key Takeaways
Health Net offers the best and cheapest Medicare Supplement plans, Plan G, the state's most popular policy, for $110 monthly.
Monthly costs of Medicare Supplement plans in California range from $89 to $248, depending on your chosen policy.
To find the plan you need, check plan availability, restrictions and benefits, and compare quotes from multiple companies.
Compare Health Insurance Rates
Ensure you're getting the best rate for your health insurance. Compare quotes from the top insurance companies.
Who Are the Best Cheap Medicare Supplement Plan Companies in California?
Health Net | $110 | $1,320 |
Humana | $143 | $1,710 |
Cigna | $156 | $1,874 |
UnitedHealthcare | $162 | $1,949 |
*Pricing shown is for Medicare Supplement Plan G for 65-year-olds.
Compare Personalized Best Cheap Medicare Supplement Companies in California
The top companies for the most popular plans nationwide are listed above, but your needs might differ. Check out the filterable table below to find the best and most affordable company for you.
Cigna | $145 | $1,740 |
Humana | $197 | $2,359 |
UnitedHealthcare | $123 | $1,472 |
California Medicare Supplement Plan Cost
The typical Medicare Supplement plan, Plan G, costs around $143 monthly or $1,713 per year on average in California. Your rates can vary widely from $89 to $248 monthly, depending on your selected provider and plan.
A | $155 | $244 |
B | $193 | $318 |
C | $248 | $390 |
D | $145 | $230 |
F | $174 | $274 |
G | $143 | $230 |
K | $89 | $143 |
l | $114 | $180 |
L | $164 | $227 |
N | $138 | $221 |
California Medicare Supplement Coverage Guide
Choosing from many Medicare Supplement plans and companies can feel overwhelming. This guide details available coverage options, helps you select the right plan for your needs and shows how to find the best cheap company.
California Medicare Supplement Plan Comparison Chart
All Medicare Supplement plans have standardized coverage nationwide. This chart summarizes what each Medicare Supplement (Medigap) plan letter covers:
Plan Letter | Co-Insurance and Copayment Coverage | Deductibles and Other Coverages |
---|---|---|
A |
| Blood (first 3 pints) |
B |
|
|
C |
|
|
D |
|
|
F |
|
|
G |
|
|
K |
|
|
L |
|
|
M |
|
|
N |
|
|
How to Decide Which Medicare Supplement Plan You Need
Deciding on a Medicare Supplement plan depends on your eligibility, finances and personal factors like age, health and lifestyle. Consider these aspects to make the best choice.
Eligibility
New enrollees can choose from all plans except C or F. Those eligible for Medicare before 2020 can select from all 10 plans.
Age, condition and lifestyle
Your age, existing conditions and lifestyle help identify the necessary coverage. Consider how likely you'll use different coverage items and ask a medical professional or Medicare Supplement specialist for guidance.
Financial status
Your ability to afford coverage matters, regardless of risk factors and coverage needs. Look for plans that match your risk profile and fit your budget.
How to Find the Best California Medicare Supplement Company
After choosing the right plan, compare different companies. When evaluating Medicare Supplement providers, look for financial stability and strong customer service ratings. Check pricing competitiveness and plan variety. Verify the provider is licensed to operate in California.
- 1
Customer satisfaction and complaints
Insurance companies sometimes receive complaints about service issues. To find a reliable provider, check customer satisfaction ratings from J.D. Power and the NAIC.
- 2
Plan pricing
Compare costs carefully. Look for affordable options that also provide excellent service. Compare similar plans to find the most cost-effective option with good customer reviews.
- 3
Added benefits
Some insurers offer extra perks beyond basic coverage. These may include discounts, gym memberships and incentives that add value to your policy, whether you have Medicare Supplemental insurance or other types.
Best Medigap Plans in California: Bottom Line
Health Net, Humana and Cigna offer California's best Medicare Supplement insurance. To find the right plan for your needs, compare companies' reputations, benefits and pricing.
Medicare Supplement Plans in California: FAQ
Here are answers to frequently asked questions about Medicare Supplement insurance in California.
What is the best Medicare Supplement provider in California?
Health Net is the best health insurance provider for the most popular Medigap plan in California. Its pricing is approximately 23% lower than the state average, making it the most affordable company.
What is the cost of Medicare Supplement plans in California?
Depending on your selection, Medicare Supplement plans in California cost between $1,070 and $4,678 per year. For Plan G, the most popular plan in the state, average annual costs range from $1,713 to $2,762.
How We Decided the Best Medicare Supplement Companies in California
MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in California for 65-year-olds and 75-year-olds. Plans qualified as "best" only when accurate online quotes were available. The analysis used Medicare Supplement Plan G, the most popular plan nationwide, to determine the best and most affordable providers.
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.