Medicare Supplement Plans in California

Compare Affordable Medicare Plans

Medicare Supplement Plan F

The Medicare Supplement Insurance Plan F is an example of Medicare Supplement Insurance (Medigap). Medigap is designed to fill the gaps that Medicare does not cover.

What Is Medicare Plan F?

Plan F has traditionally offered the most benefits of all Medicare Supplement plans, according to Price. Many people thought the extra premium was worth it because it addressed some of the coverage gaps in Medicare Part A and Part B. In comparison to other Medigap plans, Plan F has the advantage of covering. The annual deductible for Medicare Part B.

What Does Medicare Plan F Cover in CA?

The following benefits are included in Plan F regardless of the insurance provider you choose:

  • After Medicare benefits are exhausted, Part A coinsurance and hospital costs can be incurred for up to 365 days more
  • Deductible for Part A
  • Copayments or coinsurance for hospice care in Part A
  • Copayment or coinsurance under Part B
  • Deductible for Part B
  • Excess charges under Part B (for providers who charge more than Medicare allows)
  • Care coinsurance in skilled nursing facilities
  • Three pints of blood transfusion
  • Emergency coverage for foreign travel (maximum $50,000, after $250 deductible)

What is the cost of Medicare Plan F?

The average monthly premium for Plan F enrollment is around $230, and the range is between $150 and $400. Your personal factors and the provider you choose will all affect that number.

The annual deductible for Plan F is $2,490 if you select the high-deductible option.

Medicare Supplement Plan G

One of the most popular Medigap plans available to Medicare beneficiaries is Medicare Supplemental Plan G. While it does not cover the Part B deductible, Medicare Supplement G offers the most coverage for a low deductible. Beneficiaries would normally pay these covered costs out of pocket.

Medicare Plan G: What is it?

According to the Centers for Medicare and Medicaid Services, Medicare Supplement Insurance, or Medigap, is a separate health insurance policy sold by private companies to cover healthcare costs not covered by Original Medicare. A majority, but not all, of the costs associated with medical services and supplies are covered by original Medicare.

How does Medicare Supplement Plan G work in , California?

You can reduce your out-of-pocket costs with Medigap Plan G. It offers the following benefits:

  • Medicare Part A deductible coverage is 100%
  • There is no copayment or coinsurance for hospice care
  • Travel emergency benefits for foreign travel
  • Medicare Part B excess charges are covered 100%
  • No matter how sick you are, your policy will be renewable

Only Medicare Part B deductibles are not covered by Medicare Supplement Plan G.

What is the cost of Medicare Plan G?

On average, 65-year-olds pay $145 a month for Medicare Plan G. The cost of Medicare Supplement policies varies depending on the insurer. A lot of factors determine your exact price for Plan G, such as your location, your health, your age and your gender. To get the best Medicare rate, you should compare rates among different Medicare providers.

Medicare Supplement Plan K

Plan K provides coverage at more than 90% of doctors' offices and hospitals nationwide. Medigap Plan K offers limited coverage compared to other Medicare Supplement plans. You can save money on healthcare throughout the year by taking advantage of this plan's supplemental coverage.

How does Medicare Supplement Plan K work in , CA

The Medigap Plan K is standardized by federal law. As a result, Medicare Supplement Plan K offers the same benefits regardless of the carrier or location. Premium costs and company ratings are the only differences between carriers.

Medicare Supplement Plan K reduces your cost-sharing obligations when combined with Original Medicare (Medicare Part A and Medicare Part B). In the same way as all Medicare Supplement plans, Medicare Supplement Plan K pays some of the costs that Original Medicare does not cover.

Benefits of Medicare Supplement Plan K

Medical costs for seniors are not covered by original Medicare at 100%. By enrolling in a Medicare Supplement plan, you can reduce the remaining costs you will be responsible for out-of-pocket.

Several benefits make Medicare Supplement Plan K appealing to enrollees, including the ability to lower their medical costs. A few of these benefits are:

  • Coinsurance for Medicare Part A hospitals is 100%
  • Preventive care coinsurance for Medicare Part B is 100%
  • Coinsurance of 50% for Medicare Part B
  • A 50% discount on 3 pints of blood
  • Coinsurance for hospice is 50%
  • The coinsurance for skilled nursing care is 50%
  • Deductible for Medicare Part A is 50%

What is the cost of Medicare Supplement Plan K?

In addition to location and age, Medicare Supplement Plan K premiums vary. The national premium for this plan is between $40 and $100 per month.

Plan K has a cap on out-of-pocket expenses, like Medicare Supplement Plan L. In 2024, Plan K's maximum out-of-pocket expense is $6,940. In the event that your Medicare-covered costs exceed this amount, Medicare Supplement Plan K pays 100% of the remaining expenses.

Medicare Supplement Plan L

The Medicare Supplement Plan L is a cost-sharing plan that covers a percentage of your out-of-pocket costs and you pay the rest.  Similarly to other Medigap plans, Plan L doesn't cover prescription drugs, vision, or dental coverage. In other words, it complements the benefits you already receive from Original Medicare by filling in the gaps.

How does Medicare Supplement Plan L work in , California

In Medicare Supplement Plan L, seniors receive cost-sharing benefits through private healthcare providers. Medicare Supplement Plan L provides secondary coverage to Original Medicare at a low monthly premium.

No matter what carrier your plan is through, you can receive care at any doctor or hospital that accepts Original Medicare. Additionally, referrals are not required for specialist appointments.

Though Medigap Plan L offers seniors a lot of savings over Original Medicare alone in the long run, it isn't the most comprehensive plan. You can still take advantage of plenty of healthcare benefits.

What is covered by Medicare Supplement Plan L?

The Medigap Plan L covers 100% of the following expenses:

  • After Original Medicare benefits are exhausted, Medicare Part A coinsurance and hospital costs are covered for one year

75 percent of the costs of the following are covered by Medigap Plan L:

  • Coinsurance or copayment for hospice care under Medicare Part A
  • Deductible for Medicare Part A
  • Coinsurance or copayment for Medicare Part B
  • The first three pints of blood used in a medical procedure
  • Coinsurance for skilled nursing facility care

Medigap Plan L Doesn't Cover?

Medigap Plan L isn't the most comprehensive plan on the market, as we've already mentioned. Plan L does not cover many benefits that other plans do. Here are some examples:

  • Getting dental or vision care
  • Outside the United States, emergency care
  • Care for the elderly
  • The Part B deductible for Medicare
  • Excess charges under Medicare Part B
  • Costs associated with prescription drugs
  • Nursing on a private basis

Costs of Medicare Supplement Plan L

Medigap Plan L policies include an out-of-pocket limit, unlike most other Medicare Supplement policies. Once you have spent $3,110 (in 2021) on Original Medicare out-of-pocket costs and paid your Medicare Part B deductible ($226 in 2024), the Medicare Supplement insurance plan may cover 100% of the costs of Original Medicare that it is required to cover, for the remainder of the year.

Medicare Supplement Plan M

Those traveling abroad can benefit from Medigap Plan M. Medicare Supplement Plan M may be the right choice for you if you want healthcare benefits that are affordable but available when you need them. Find out if you can benefit from this option by exploring these benefits.

How does Medicare Plan M work in?

A Medigap plan that offers important healthcare benefits at a low monthly premium is Medicare Supplement Plan M. Despite the low monthly premium, you'll be responsible for paying out-of-pocket for healthcare services. In addition to this, you will be responsible for 50% of your Medicare Part A deductible.

Medigap is a private insurance plan, unlike Original Medicare (Medicare Part A and Part B), which is administered by the federal government. You can choose from 12 different Medicare Supplement plans, and the best coverage depends on your budget and healthcare needs.

Benefits of Medicare Supplement Plan M

Medicare Supplement Plan M can be a great choice for those who like to keep their monthly costs low. Plans M Medicare Supplements help cover out-of-pocket costs left over from Original Medicare alone. Copayments, coinsurance, foreign travel emergency care, and your first three pints of blood are included in these costs.

There are a number of people who can benefit from Medicare Supplement Plan M, including:

  • Looking for a lower monthly insurance premium
  • Pay 50% of their hospital deductible
  • Traveling abroad is sometimes necessary

What is the cost of Medicare Plan M?

Medigap Plan M typically costs between $120-$200 per month. Medigap premiums are lower due to cost-sharing. Your monthly premium rates, however, are determined by a number of factors, including your location.

Medicare Supplement Plan N

The Medicare Plan N covers out-of-pocket expenses not covered by Medicare Parts A and B. Medicare Plan N offers nearly the same benefits as Medigap Plans C and F (which are not available to new enrollees), but has lower premiums. Many people find it attractive because of this.

How does Medicare Supplement Plan N work in , California?

In most states throughout the country, Medicare Supplement Plan N is a standardized Medicare Supplement insurance plan. Unlike Original Medicare, Plan N helps cover certain costs left by Original Medicare that would otherwise be your responsibility. Unlike Original Medicare, this plan allows you to have the same great health coverage at a fraction of the cost since it covers most of the financial responsibilities.

Enrollment in Medigap Plan N has increased annually since its introduction. This plan is one of the most comprehensive Medigap plans available to new Medicare beneficiaries, so its popularity is not surprising.

Medicare Supplement Plan N: What Does It Cover?

Medigap Plan N is similar in many ways to Medicare Supplement Plan G.

Among these benefits are:

  • Coinsurance under Medicare Part A
  • Deductible for Medicare Part A
  • Medical care for foreign travelers
  • You are responsible for $20 copayments for doctor office visits and $50 copayments for emergency room visits if you are not admitted to the hospital.

Medicare Supplement Plan N does not cover excess charges for Medicare Part B if you live or receive care in a state that allows them. The majority of doctors accept Medicare assignment, so excess charges are rare.

In 2024, how much will Medicare Supplement Plan N cost?

Medicare Supplement Plan N will cost around $120-$180 per month in 2024. It is important to note, however, that premium costs are determined by many factors. There is a difference in premiums between ZIP codes. In some areas, Medigap Plan N can cost as much as $400 per month; in others, it can cost as little as $70 per month.

Cities in California

Los Angeles San Diego
San Jose San Francisco
North Hollywood Fresno
Sacramento Long Beach
Oakland Bakersfield
Van Nuys Anaheim
Santa Ana Riverside
Ventura Stockton
Chula Vista Irvine
Paso Robles San Pedro
Fremont Canoga Park
San Bernardino Modesto
Fontana Oxnard
Moreno Valley Huntington Beach
Glendale Santa Clarita
Rancho Cucamonga Oceanside
Garden Grove Santa Rosa
Ontario Elk Grove
Hollywood Corona
Lancaster Hayward
Palmdale Salinas
Pomona Sunnyvale
Escondido Torrance
Valencia Pasadena
Orange Fullerton
Roseville Visalia
Woodland Hills Northridge
Thousand Oaks Concord
Simi Valley East Los Angeles
Santa Clara East Irvine
Victorville Vallejo
Berkeley El Monte
Fairfield Downey
Carlsbad Costa Mesa
Temecula Murrieta
Inglewood Antioch
Richmond Sherman Oaks
West Covina Norwalk
Clovis Daly City
Santa Maria Burbank
Universal City San Mateo
El Cajon Jurupa Valley
Rialto Vista
Compton Vacaville
Mission Viejo Arden Arcade
South Gate San Marcos
Hesperia Carson
Santa Monica Boyle Heights
Westminster Santa Barbara
Redding Chico
San Leandro Mira Loma
Tracy Livermore
Menifee Indio
Hawthorne Chino
Whittier Citrus Heights
Newport Beach Alhambra
Redwood City Hemet
Buena Park Lake Forest
Merced Pleasanton
Lakewood La Canada Flintridge
Tustin Mountain View
Napa Alameda
Chino Hills Bellflower
Milpitas Folsom
Baldwin Park Manteca
Upland Perris
San Ramon Union City
West Hills Turlock
Apple Valley Rancho Cordova
Lynwood Redlands
Pittsburg Walnut Creek
Yorba Linda Redondo Beach
Davis Camarillo
South San Francisco Palo Alto
Yuba City Laguna Niguel
San Clemente Lodi
Santa Cruz Madera
Pico Rivera Lake Elsinore
Montebello Carmichael
Florence Graham Encinitas
Castro Valley Rocklin
Tulare La Habra
Monterey Park Eastvale
National City Cupertino
Brentwood Petaluma
Gardena La Mesa
Dublin Huntington Park
South Whittier San Rafael
Woodland Porterville
Arcadia Santee
Fountain Valley Diamond Bar
Novato Hanford
Paramount Gilroy
Highland Rosemead
Colton Cathedral City
Hacienda Heights Watsonville
Yucaipa West Sacramento
Delano Placentia
Palm Desert Glendora
Aliso Viejo Cerritos
Rowland Heights Poway
Azusa La Mirada
Florin Rancho Santa Margarita
Cypress Covina
Antelope Ceres
Palm Springs San Luis Obispo
San Jacinto Lincoln
North Highlands La Jolla
Newark Beaumont
Altadena Coachella
Danville El Centro
Lompoc Morgan Hill
Echo Park El Dorado Hills
San Bruno Bell Gardens
Rancho Palos Verdes Rohnert Park
Brea Chatsworth
Campbell La Quinta
La Puente Oakley
San Gabriel Calexico
Culver City Pacifica
Montclair Stanton
Martinez Hollister
Los Banos Monrovia
La Presa West Hollywood
Moorpark San Juan Capistrano
Temple City Claremont
Bell Wildomar
Willowbrook Manhattan Beach
Orangevale Beverly Hills
Pleasant Hill San Dimas
Seaside Rubidoux
Oildale Dana Point
Foster City Menlo Park
Lawndale Adelanto
Foothill Farms Silver Lake
La Verne Westmont
Fair Oaks Fallbrook
Laguna Hills Banning
Saratoga Goleta
Los Gatos Los Altos
Santa Paula San Pablo
Burlingame Atascadero
Walnut Spring Valley
Orcutt San Carlos
East Palo Alto Suisun City
Atwater Ridgecrest
Desert Hot Springs Monterey
Benicia French Valley
Maywood Windsor
Imperial Beach Eureka
Belmont Isla Vista
Ladera Ranch West Whittier Los Nietos
Lemon Grove Norco
Vineyard Paradise
Tujunga Wasco
North Tustin South Pasadena
Brawley Lafayette
Twentynine Palms Coronado
Lemoore Galt
Soledad Reedley
El Cerrito Hercules
Sanger San Fernando
Valinda Temescal Valley
San Lorenzo Seal Beach
Selma West Puente Valley
Riverbank Cudahy
Ashland Calabasas
Loma Linda Dinuba
Bloomington Barstow
Laguna Beach Bay Point
Rosemont Granite Bay
Millbrae Lennox
West Rancho Dominguez Corcoran
Oakdale Port Hueneme
Ramona Lathrop
Rancho San Diego Duarte
West Carson Patterson
South Lake Tahoe Marina
Yucca Valley Lakeside
Winter Gardens Arvin
Agoura Hills South El Monte
Lomita American Canyon
South San Jose Hills Agoura
Cameron Park Glen Avon
Casa De Oro Mount Helix Hermosa Beach
La Crescenta Montrose Dixon
Stevenson Ranch Albany
Blythe Rosamond
Prunedale Sun City
Castaic Orinda
Mead Valley Pinole
Oroville Shafter
East Hemet Linda
Chowchilla Rancho Mirage
Arroyo Grande Santa Fe Springs
Arcata Live Oak
Greenfield Moraga
Imperial Bayside
Rosedale El Segundo
Artesia Mckinleyville
Nipomo Coalinga
Vincent Laguna Woods
Truckee Woodcrest
Bostonia Valle Vista
Avocado Heights Alamo
Walnut Park Ukiah
La Palma East Rancho Dominguez
Parkway East San Gabriel
Pacific Grove Fillmore
Los Osos Alum Rock
Ripon Lamont
El Sobrante Susanville
Alpine Clearlake
Parlier North Fair Oaks
Rio Linda Cherryland
Stanford Oak Park
Coto De Caza Discovery Bay
Kerman Hawaiian Gardens
Mcfarland Phelan
Mill Valley Red Bluff
Mountain House Auburn
Livingston King City
Salida Big Bear City
Olivehurst Carpinteria
California City Palos Verdes Estates
Grover Beach North Auburn
Lemon Hill San Marino
Solana Beach Avenal
Lindsay Commerce
Muscoy Tehachapi
Shadow Hills Malibu
Grass Valley Bonita
Half Moon Bay San Anselmo
Grand Terrace Camp Pendleton South
Lake Arrowhead Larkspur
Lake Los Angeles Marysville
Fortuna Sun Village
Diamond Springs Clayton
Scotts Valley Magalia
Healdsburg Kingsburg
Citrus Lakeland Village
Emeryville Signal Hill
View Park Windsor Hills Los Alamitos
Home Gardens Hillsborough
Mendota Piedmont
Winton Garden Acres
Sierra Madre Canyon Lake
Newman Sonoma
Delhi Rossmoor
Quartz Hill Soquel
La Riviera Fairview
Farmersville Crestline
Del Aire Placerville
Morro Bay Tamalpais Homestead Valley
Exeter San Diego Country Estates
East Whittier Madera Acres
Anderson Capitola
Shasta Lake Oak Hills
Corte Madera Mentone
Rodeo Valley Center
Marina Del Rey Rio Del Mar
Orange Cove Country Club
Taft Good Hope
Blackhawk Charter Oak
Larkfield Wikiup Midway City
Tiburon Montecito
Golden Hills Mecca
Waterford Cloverdale
Orosi West Athens
South San Gabriel Earlimart
Rio Vista Calimesa
Alondra Park Westlake Village
Los Altos Hills Gonzales
Bonadelle Ranchos Madera Ranchos August
Firebaugh Topanga
Oroville East East Foothills
Oceano Rolling Hills Estates
Spring Valley Lake Pismo Beach
Mammoth Lakes Gold River
Camp Pendleton North Thousand Palms
Sebastopol Templeton
Woodlake Nuevo
Ojai Fairfax
Yreka Acton
Orland Franklin
Corning Garnet
Calipatria Escalon
Cotati Lemoore Station
Cherry Valley Hughson
Joshua Tree El Rio
Bermuda Dunes Keyes
Guadalupe Interlaken
Fort Bragg San Martin
Atherton Ladera Heights
Sausalito Boyes Hot Springs
Vandenberg Village Winters
Thermalito Pollock Pines
Alta Sierra Ione
Castroville Huron
Desert Palms Kentfield
Oasis Mira Monte
South Monrovia Island Crescent City
East Porterville Loomis
Rancho Calaveras Homeland
Lucas Valley Marinwood Gridley
Ben Lomond Silver Lakes
Holtville Plumas Lake
Fowler Roseland
Aptos Saranap
Cambria Contra Costa Centre
Jamul East Pasadena
Pleasure Point Saint Helena
El Granada Willows
Las Flores Villa Park
Lake Mathews Colusa
Gustine Lucerne Valley
Solvang Fruitridge Pocket
Palermo South Oroville
Strawberry West Modesto
Mayflower Village Durham
Hidden Valley Lake Kensington
Eucalyptus Hills Greenacres
Woodside Century City
Rancho Murieta Old Fig Garden
Elverta La Habra Heights
Twin Lakes Santa Venetia
Wilton Indian Wells
Calistoga Myrtletown
Bret Harte Lake Wildwood
Hilmar Irwin Dos Palos
Big Bear Lake Salton City
Williams Cutler
Bear Valley Springs Broadmoor
Tara Hills Buellton
Yosemite Lakes