California Medicare Supplement Insurance Plans 

It is generally recommended that California residents either purchase Medicare Supplement with a stand-alone part D. This would provide the most comprehensive coverage and the most freedom to see medical providers of choice with no network restrictions as you would find in a Medicare advantage plan.

That is not to say that Medicare advantage (MA) plans are not good choices, just that Medicare Supplemental Insurance plans allow more freedom and fewer co-pays and out of pocket cost when compared with a Medicare Advantage plan. Keep in mind that Medicare Supplement plans in CA will cost a little more.

California Medicare Coverage Gaps

Medicare has 2 basic parts: Medicare Part A which is the Hospital Coverage and Medicare Part B which covers out-patient and doctor’s office visits. Most people will qualify for Medicare Part A at no cost because they have qualified and paid in during the years before turning 65. However, there is a premium for Part B that is also adjusted based on income. Most people will pay the basic premium of $104.60 (2015).

Other gaps include deductibles for both part A and Part B, and coinsurance of generally 20%. (That means you pay 20% of the cost for most Medicare covered Medical expenses.)

The best way to pay for these remaining costs which can easily add up to Thousands of dollars or more is to include one of the Medicare supplemental insurance plans available in CA along with your basic Medicare. 

California Medicare Supplement Premiums

California Medicare premiums are set by each individual company even though all Medigap plans in CA offer exactly the same insurance benefits vs other identically lettered plans. The factors that affect premiums for Medicare supplement insurance in CA are each individual companies overhead cost, claims experience, along with your age, gender, zip code and tobacco use along with other factors. These effect only premiums and won’t affect your coverage once the policy is in place. Since your premiums don’t impact the health coverage it is generally recommended to choose the plan (A thru N) that fits your budget and shop for companies with the best Medicare supplement premiums in CA for that plan.

One thing that is unique to Medicare Supplement insurance policies in CA is what is called the "Birthday Rule". The Birthday Rule simply states that you may change you medicare supplement policy without having to answer any Medical or underwriting questions if this is done within 30 days of one birthday. At any other time during the year you may still change companies and/or policies but each applcant would be subject to Medical underwriting. (Basically answering question about health - no exam or other testing)

When it comes to finding the best Medicare Supplement premiums in California there is there is the Senior Advisors Group who has agreements with every major Medicare supplement provider in the state of California. One phone call will save you the time from shoping and going over all the same details with 3, 4, 5, or 10 different companies. We have every plan offered from every major Medicare Supplement insurance provider in California so this will save you all the legwork. Simply fill out the quote request form to get find the lowest premiums in your area.

Its important to remember that in most states including California Medigap plans are standardized.  This means a plan “F” from AARP or Humana plan “F” all offer the exact same coverage. We will review all of these companies and find the best Medicare supplement plan in CA for your area, age, and budget. Guaranteed!!