The Best California Medicare Supplement Plans (2025)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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%.