The Best California Medicare Supplement Plans (2022)

You can choose between ten Medicare Supplement plans, although some are only available depending on when you become eligible. MoneyGeek’s study compared several policies and found Cigna and Health Net offer the best Medigap Supplement Plans in California.

You cannot simultaneously have a Medigap and Medicare Advantage Plan in California. The latter replaces your Medicare plans, including Original Medicare.

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Last Updated: 7/1/2022
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On average, Medicare Supplement plans in California cost $141 per month for 65-year-olds and $242 for 75-year-olds.

Plans F and G are the most popular because they offer the most comprehensive coverage. However, Plan F is only available if you were eligible for Medicare before 2020. On average, a 65-year-old will spend $137.30 per month for Plan G, while a 75-year-old will spend $249.08 per month for Plan F.

Another sought-after plan is Plan N, which has similar coverages as Plans F and G but does not cover excess charges. For a 65-year-old, Plan N costs $137.70 per month, on average.

MoneyGeek’s methodology allowed us to rank various plans based on average cost and benefits. You can learn more about finding the best Medicare Supplement Plans to determine which plan type best fits your needs.

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Best Medicare Supplement Plans in California

Best Medicare Supplement Plan G in California

The best Medigap Supplement Plan G in California is Health Net’s Innovative Plan G. You can have access to multiple benefits and discounts for an average monthly premium of $154.

Health Net’s Innovative Plan G has a high-deductible version. It involves paying a higher amount before your coverage kicks in but allows you to save on premiums. It’s more affordable at $66 per month.

Remember that MoneyGeek’s study only shows rankings of companies that provide online quotes. It’s possible to find more providers in California that don’t give estimates online.

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MoneyGeek Top Pick
Dummy
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $154

In California, Health Net’s Innovative Plan G policies cost an average of $154 per month, which is less expensive than the average cost of Plan G policies of $176.40.

Besides providing vision and hearing discounts, you can also get Health Net’s Silver&Fit Fitness Program. It promotes healthy aging by providing access to participating facilities with no membership fee. If you prefer to work out at home, it also has a home fitness program.

You can also opt for a higher deductible version of this letter plan. In this plan, you’ll pay for Medicare-covered costs such as coinsurance and copayments up to a deductible of $2,490, but your monthly premium will be lower at $66.

MORE ABOUT PLAN G IN CALIFORNIA

Navigate to learn more about Medigap Plan G in California, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in California

The average cost of Medigap Supplement Plan G in California is $176.40 per month. However, several factors affect premiums. These include how old you were when you purchased the plan, your current age, discounts and medical underwriting considerations.

Another factor that may impact premiums is your chosen provider. For a 65-year-old, Health Net offers the lowest rate at $110 per month. In comparison, United Healthcare costs $162.40 per month, $52.40 more than the plan offered by Health Net.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Health Net
    $110
  • Humana
    $143
  • Cigna
    $156
  • UnitedHealthcare
    $162

Providers Offering Plan G in California

Nineteen companies provide Plan G in California, but not all offer online quotes. MoneyGeek provides their contact details so you can reach out. It can help you find the best option for your needs and preferences. The pricing methods also give you an idea of which companies’ rates are more likely to be affected by your current age.

Providers Offering Plan G in California

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Blue Cross Blue Shield of California
    800-393-6130
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Everence
    (800) 348-7468
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Health Net
    1-800-944-7287
    Attained Age
  • Humana
    1-800-457-4708
    Attained Age
  • The IHC Group
    1-866-951-0679
    Attained Age

What Does Plan G Cover?

All Medigap supplemental plans, including Plan G, are standardized and must provide specific benefits. It’s important to understand that Plan G does not cover Part B deductibles and only covers 80% of foreign travel expenses within your limits. Besides traditional coverage, you can choose to add benefits, like having home health care through Health Net’s Silver & Fit Program.

Required Benefits of Plan G in California
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in California

MoneyGeek’s analysis found that Cigna offers the best Medigap Supplement Plan F in California for a monthly average premium of $283.90. It also offers a high-deductible version of this letter plan with a lower monthly premium of $76.41 per month.

Note that our study only ranked providers that provide online quotes. You may find other insurers in California that don’t offer estimates on their websites.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $283.90

The average cost of Plan Fs in California is $249.10 per month. This is more than Cigna’s average month rate by $34.80.

Cigna offers several benefits, such as covering expenses from a travel emergency and providing 24/7 access to a health advocate through their Health Information Line. You can also get discounts on several fitness services and devices through its Healthy Rewards Program.

You’ll pay for Medicare-covered costs if you purchase the high-deductible version of Cigna’s Plan F. These include copayments, coinsurance and deductibles up to $2,490. However, your monthly rate is significantly lower at $76.41 on average.

MORE ABOUT PLAN F IN CALIFORNIA

Navigate to learn more about Medigap Plan F in California, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in California

Plans F policies in California cost $249.10 per month on average. However, it may vary based on several factors.

The average 75-year-old can save up to $217.60 per month, depending on which provider they choose. The most affordable plan with Cigna costs $180.20 per month, compared to United Healthcare’s plan, which costs an average of $397.80 per month.

Other considerations when setting rates include your age when you purchased a policy, current age, discounts and medical underwriting factors.

Sort by Age:

75

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  • Company
    Sample Monthly Rate
  • Cigna
    $180
  • Humana
    $244
  • UnitedHealthcare
    $398

Providers Offering Plan F in California

A total of 21 companies offer Medicare Supplement Plan F in California, but only some provide online quotes. For those that don’t provide quotes online, you can reach out to them for more information using the contact information provided by MoneyGeek. We have also included each company’s pricing style, which indicates which providers are more likely to charge more due to age.

Providers Offering Plan F in California

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Blue Cross Blue Shield of California
    800-393-6130
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Everence
    (800) 348-7468
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Health Net
    1-800-944-7287
    Attained Age
  • Humana
    1-800-457-4708
    Attained Age

What Does Plan F Cover?

Like other Medigap Supplement plans in California, Plan F is standardized to include certain benefits. Plan F covers almost all benefits fully, but only 80% of foreign travel expenses within your plan's limit. You can also add optional benefits to your policy, such as Cigna’s Healthy Rewards Program.

Required Benefits of Plan F in California
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in California

Cigna is your top option if you’re looking for the best Medigap Supplement Plan N in California. For an average monthly rate of $120.92, you can get Plan N coverage and access to several additional benefits with a Cigna policy.

Among the different companies offering Plan N in the state, MoneyGeek only ranked those that provided online quotes. You might have more options if you consider those that don’t give estimates through their websites.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $120.92

Cigna offers its Plan N for an affordable rate. Its policies cost $58.18 less than California’s average of $179.10 per month.

There are several benefits to getting your medical supplement plan in California from Cigna. You can enjoy discounts on workouts, meals and fitness products through the Healthy Rewards Program. Its Health Information Line also provides 24/7 access to a health advocate.

MORE ABOUT PLAN N IN CALIFORNIA

Navigate to learn more about Medigap Plan N in California, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in California

The average cost of Medigap Supplement Plan Ns in California is $179.10 per month. However, premiums are affected by multiple factors, such as your current age or medical underwriting considerations.

Your choice of provider may also impact costs significantly, so it’s best to compare provider quotes. For example, a 65-year-old will pay an average of $120.90 per month for a Cigna plan, in comparison to $162.30 per month for a Humana plan.

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  • Company
    Sample Monthly Rate
  • Cigna
    $121
  • Health Net
    $130
  • UnitedHealthcare
    $137
  • Humana
    $162

Providers Offering Plan N in California

You can purchase a Medigap Supplement Plan N in California from 20 companies, but only a few provide online quotes. For those that don’t offer this service, you can contact them using the information MoneyGeek provided. We’ve also included pricing methods, so you can tell which companies are likely to charge more based on age.

Providers Offering Plan N in California

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Blue Cross Blue Shield of California
    800-393-6130
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Everence
    (800) 348-7468
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Health Net
    1-800-944-7287
    Attained Age
  • Humana
    1-800-457-4708
    Attained Age
  • The IHC Group
    1-866-951-0679
    Attained Age

What Does Plan N Cover?

Plan N, like all Medigap policies, is standardized and includes certain benefits. In general, Plan N does not cover Part B deductibles or excess charges. It also only covers 80% of foreign travel expenses up to your plan's limits. Depending on which provider you select, you may get other benefits, such as Cigna’s Health Information Line.

Required Benefits of Plan N in California
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in California: Other Plan Types

While Plans G, F and N are the most sought-after, other plans are also available but offer less-comprehensive coverage. MoneyGeek’s analysis included companies that provided online estimates. The letter plan you want will determine your best medicare supplement plans provider in California.

  • United Healthcare is a top option for Plans A, B, K and L.
  • Health Net is best for Plan D.
  • Humana has the best Medigap supplement Plan C in California. However, it's not available to you if you were eligible for Medicare after January 1, 2020.
The Best Medicare Supplement in California - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $122.72

  • B

    UnitedHealthcare

    $171.36

  • C

    Humana

    $383.41

  • D

    Health Net

    $145.00

  • F

    Cigna

    $283.90

  • G

    Health Net

    $154.00

  • K

    UnitedHealthcare

    $64.48

  • L

    UnitedHealthcare

    $114.08

  • N

    Cigna

    $120.92

How to Find the Best Medicare Supplement Plans in California

Medicare Supplement can be a complex subject. To simplify the process, MoneyGeek developed a comprehensive comparison chart for Medigap Supplement Plans in California. It also includes pricing information so you can use it to determine the best one for your preference and needs.

California Medicare Supplement Plans Comparison Chart

Each Medicare Supplement plan in California offers different levels of coverage. Besides this, premiums also vary.

Certain plans’ availability depends on when you qualified for Medicare, such as Plans F and C. Although they offer comprehensive protection, you aren’t able to purchase them if you’re a new enrollee. As an alternative, you can explore Plan G and Plan D.

Use MoneyGeek’s chart to compare Medigap Supplement plans in California.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in California

How much you spend on Medicare Supplement Plans in California depends on your plan type and provider. United Healthcare offers the cheapest rates for Plans A, B, K and L. For plans F and N, Cigna has the most affordable options. Furthermore, Humana offers the lowest cost policies for Plan C and Health Net provides the most affordable options for Plans D and G.

Companies also use different pricing styles to determine rates.

  • Attained-Age Rated: It’s the most commonly used pricing method in California. Insurers base the rate on your current age, which means premiums become more expensive as you get older.
  • Community-Rated: All buyers of the letter plan pay the same premium. Although prices may change because of inflation, age will not be a factor.
  • Issue-Age-Rated: Companies used your age when you purchased your policy as the basis for the premium. Buying it when you’re younger gives you a lower rate and will only change because of inflation, not your age.
Average Cost of Medicare Supplement in California

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $123
  • Cigna
    $145
  • Humana
    $197

FAQs About Medicare Supplement Plans in California

It's best to consider multiple factors to see which Medicare Supplement Plans in California best fits your needs. MoneyGeek answered the most commonly asked questions about Medicare Supplement Plans in California to help with your decision-making process.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in California for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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