Best Medicare Supplement Plans Comparison Chart in California for 2019

As a resident of the Golden State, you might be interested in the best Medicare Supplement plans in California for 2019. You might already be enrolled in Medicare Part A and Part B and might not be totally happy with your out-of-pocket costs for healthcare, or you could be planning on signing up for Medicare soon and might be hoping to enjoy more than just the standard Medicare benefits. Try learning a little more about signing up for a Medicare Supplement health plan through a health insurance provider, and you might just find the right solution for covering your healthcare as a senior who is living in California.

Best Medicare Supplement Plans in California for 2019: Overview

You might have heard of Medicare Advantage and Medicare Supplements, and you could be wondering what the difference between the two of them is. With Medicare Advantage, you must sign up for a separate plan through a Medicare insurance company. Once you do this, you will not be covered by Original Medicare any longer. Instead, all of your coverage will be provided by a separate insurance company in exchange for paying your monthly premium. Some people like this, but others worry about things like not having health insurance coverage outside of their insurance company’s network.

Note: HMO & PPO Medicare Advantage plans require the use of a network, Medicare Supplement plans do not.

If you like Medicare overall and would like to stick with it but are hoping that you can get a little more coverage, you will want to look into the best Medicare Supplement plans in California for 2019. With Medigap policies, you will still have Medicare. However, in addition to having Medicare and all of the benefits that it provides, you’ll have additional help paying for preventive care, hospital stays and more. This is provided by your Medigap plan.

Once you compare rates, pay your premiums and become one of the beneficiaries of the best Medicare Supplement plan in California for 2019 that you can find and sign up for, you’ll be able to enjoy coverage for things like these:

  • Skilled Nursing Facility
  • Home Health Care
  • Medicare Part A and Part B deductibles
  • Original Medicare’s coinsurances
  • Part B Excess Charges
  • Foreign Travel
  • Copayments
  • Medicare Part B deductible
  • Medigap Plans DO NOT Cover prescription drug coverage, also known as Part D plans

As you probably noticed, the best Medicare Supplement plans in California for 2019 provide a lot of coverage and can really help fill in the gaps that are left behind by Medicare. Plus, in addition to signing up for the best Medicare Supplement plan in California that you can find, you can also sign up for one of these prescription drug plans. Medicare Part D drug plans help provide even more coverage for those who sign up for them and can help you reduce your out-of-pocket costs even more.

Medicare Supplement Plans Comparison Chart in California for 2019

Concerns over the possibility of increasing Medicare deductibles and regulations in 2019 may put pressure on some Medigap plan providers to raise their Medicare Supplement rates in California for 2019. Lower compensation rates for medical providers might force some doctors to charge more than Medicare allows, and only Plan F, G, and high deductible Plan F cover “excess charges.” Here is the Medicare Supplement Plans Comparison Chart for California.

medicare supplement plans comparison chart california

Otherwise, there is no reason to expect any changes to the Medicare Supplement insurance plans that recipients can choose from. Right now, these levels are Plan A through Plan N, and some cheaper choices offer only basic coverage. Others, Plan C, Plan D, Plan F, Plan G, and Plan N, even cover emergency care in foreign countries, something not usually covered by original Medicare. Other plans are Plan B, Plan K, Plan L, and Plan M. Each level is slightly different, and you can see the details of supplement levels here. 

Why Choose a Medicare Supplement Insurance Plans in California for 2019

  • No concerns over health provider networks or referrals to specialists
  • Less risk of high out-of-pocket expenses because of copays and deductibles
  • More stable benefits from year to year

Having no monthly premium might seem attractive, but make sure that you balance the cost and the benefits. 

Compare The Best Medicare Supplement Insurance Plans in California for 2019

If you are new to Medicare or have just gotten a notice that your Medicare Supplement rates in California have increased, you might try shopping around. These are some quality health insurance companies that will offer Medigap plans throughout the area.  We recommend starting your comparison with Plan F and Plan G: 

  • Anthem Blue Cross Life and Insurance Company
  • Blue Cross California
  • Aetna
  • Globe Life and Accident Insurance
  • Mutual of Omaha
  • Health Net of California
  • Humana
  • Cigna
  • Physicians Mutual Insurance Company

Medicare Supplement Plans in California: Enrollment Statistics

Medicare Supplement insurance plans are available for Californians who live all over the state. Whether you live in Northern California, Southern California or anywhere else in the Golden State, the best Medicare Supplement plan in California for 2019 can help you, too.

People from all over the state sign up for Medigap plans, including Californians who live in these top five counties:

  • San Francisco County
  • Orange County
  • Los Angeles County
  • Contra Costa County
  • Marin County

Before you sign up for one of the Medigap plans in California, you could be wondering a little more about what other seniors across the state do to pay for their healthcare coverage. These are some stats that will give you a little more information:

  • According to statistics from 2017, there were more than 3.3 million people covered by Medicare in California. This number includes every Californian who was covered by Medicare, whether it was Medicare Part A, Medicare Part B or both.
  • More than 475,000 of California’s Medicare beneficiaries were signed up for one of the Medigap plans in California in 2017.
  • Of the more than 475,000 Medigap beneficiaries in California, more than 300,000 were covered by Medicare Plan F. Medicare Plan N was the second most popular Medigap plan, and Medicare Plan G was the third most popular.

How Many Medicare Supplement Plans are Available in California for 2019?

Different states have different ways of handling Medicare and providing opportunities for Medigap policies. When you’re looking for Medicare Supplement insurance plans in California for 2019, you will have the opportunity to choose from 10 different types of plans. This is how most states handle this, although not all states offer 10 different options.

Since you’re able to pick from 10 different Medigap plans in California, it is critical for you to compare them all so that you can choose the best. One of the biggest things that many seniors are worried about when signing up are the rates that they will have to pay, so make sure that you compare both rates and benefits when you’re shopping around. You may choose to go with the most popular — and considered by many to be the best Medicare Supplement plan in California — plan, which is Plan F. There are nine other options for you to compare rates for and learn more about, though, so make sure that you do this. Medicare Supplement Plan G is the second most popular plan in California. High deductible Plan F is popular for people who like lower monthly premiums and don’t mind paying a higher deductible before their medical healthcare costs are covered.

Best Medicare Supplement Plans in California: When Can I Enroll?

The best thing that you can do when signing up for a Medicare Supplement insurance plan in California for 2019, is to sign up during your Medigap Open Enrollment Period or Initial Enrollment Period. This period lasts for six months and begins on the day that you sign up for Medicare Part B. Rates are cheaper and you’ll have more options for Medicare Supplement plans in California if you sign up during this time, although you can still sign up outside of that period if you have to.

California Medicare Resources

There are many helpful resources out there that can make it easier for you to learn about Medicare and the Medicare benefits that you can enjoy as a beneficiary as well as about Medigap policies. Check out these resources to get started: