Best Medigap Plans in California: Top Picks and Benefits
If you’re enrolled in Original Medicare in California, you’ve probably noticed that it doesn’t cover everything. That’s where Medigap (also known as Medicare Supplement Insurance) comes in. These plans help cover the “gaps” in Medicare—like deductibles, copayments, and coinsurance—so you can avoid surprise bills and out-of-pocket costs.
With several plans to choose from, each offering different levels of coverage, it’s important to know which Medigap plans are best suited for Californians. This guide breaks down the top Medigap options, their benefits, and how to pick the right one for your health and budget.
What Is a Medigap Plan?
Medigap plans are supplemental policies sold by private insurance companies to fill in the coverage holes left by Original Medicare (Parts A and B). These plans are standardized by the federal government, so Plan G from one company offers the same basic benefits as Plan G from another—the only difference is the price and added perks.
In California, you must be enrolled in both Medicare Part A and Part B to qualify for a Medigap policy.
Top Medigap Plans in California
1. Plan G – Most Comprehensive Coverage for New Enrollees
Why it’s a top pick: Plan G is now the most popular plan among new Medicare enrollees because it offers nearly complete coverage—everything except the Medicare Part B deductible.
Key benefits:
100% coverage for Part A deductible and coinsurance
100% coverage for Part B excess charges
Skilled nursing facility coinsurance
Emergency coverage during foreign travel
Ideal for: Those who want predictable costs and maximum coverage.
2. Plan F – Best for Those Who Qualified Before 2020
Why it’s popular: Plan F covers everything, including the Medicare Part B deductible. However, it’s only available to those who became eligible for Medicare before January 1, 2020.
Key benefits:
No out-of-pocket expenses for any Medicare-approved services
Foreign travel emergency coverage
High-deductible version available for lower premiums
Ideal for: Long-time Medicare enrollees who want full protection and are eligible to enroll.
3. Plan N – Lower Premiums with Small Trade-Offs
Why it’s a smart budget option: Plan N offers strong coverage with lower monthly premiums. You’ll pay small copays for doctor visits and emergency room trips, and it doesn’t cover Part B excess charges.
Key benefits:
Covers Part A deductible and coinsurance
Covers skilled nursing facility care
Lower premiums than Plan G or F
Ideal for: Healthy individuals who want solid coverage at a lower monthly cost and don’t mind modest out-of-pocket expenses.
California-Specific Perks: The Birthday Rule
California is one of the few states that offers a “Birthday Rule” for Medigap enrollees.
What it means: You have 60 days starting on your birthday each year to switch to another Medigap plan with equal or lesser benefits—without medical underwriting.
Why it matters: If your premiums have gone up or your health has changed, this gives you an opportunity to switch plans without being denied or charged more based on your health status.
Choosing the Right Medigap Plan
When comparing Medigap plans in California, keep these tips in mind:
Compare premiums: Since benefits are standardized, shop around for the best price from highly rated insurers.
Check the insurer’s reputation: Look at customer reviews, complaint ratios, and financial stability.
Consider your lifestyle: If you travel often or see specialists who charge above Medicare rates, you may want a plan like G that covers excess charges and foreign emergency care.
Conclusion
The best Medigap plan in California depends on your personal health needs and financial goals. Plan G offers the most comprehensive coverage for new enrollees, Plan F is unmatched for those grandfathered in, and Plan N provides an affordable balance for budget-conscious beneficiaries.
With California’s unique Birthday Rule, you have the added flexibility to shop around each year. Just make sure you compare carefully, and if needed, speak with a licensed independent Medicare agent who can help you find the best fit without pressure.
