California Medicare Supplement

How to Find the Lowest Cost Plan in California

When Ms. Julie B started looking for a California Medicare Supplement, she really didn't know where to turn.

What Julie did not realize is that in California, like 49 other states, Medicare Supplement Plans (also known as Medigap) conform to nationwide standards.

In plain English, what this means is that Julie was able to save $456 per year on her Medigap Plan, by using our brokerage to shop around and find her the lowest rates in her area.

Here is why Julie was able to save so much money on her Medicare Supplemental Insurance California:

In California, a Supplemental Plan F from Company ABC is identical in benefits to a Supplement Plan F from Company XYZ. But here is what Julie learned. Company ABC charges $165 per month for Plan F and Company XYZ charges $127 per month for the same Plan F. For Julie, this represented a savings of $456 per year, for the exact same plan.

Julie was very happy to learn that she not only saved a lot of money, but also got the peace of mind of knowing that she was protected from catastrophic medical bills.

You see, Medicare does not pay for everything and without proper protection, you might be responsible to pay a large part of out of control medical costs. But with the right California Supplemental insurance, you won't have to worry about those costs, because some or all of your share of the costs will be covered.

It is also comforting to know that in California, there is a special law, often called the "birthday law" that allows you to change your policy every year on your birthday (and 30 days after) without regular medical underwriting (which means, they can't deny you because of pre-existing conditions). This is great news if you live in California!

If you have Medicare, or will be qualifying for Medicare soon (i.e. you are turning 65), you can find out now about the lowest rates in California for a Medicare Supplement.

You may not save $456 per year, like Julie, but most likely you will save even more. You won't know unless you try.

Get a Medicare Supplement Quote now, or call 1-877-7-MEDIGAP (877-763-3442) now to speak to one of our California experts who can compare plans and find a custom fit, perfect for you.

FAQ's About Medicare

Q. I already pay a Part B premium every month. Why do I need a Medicare Supplement policy?

A. Medicare Supplements pay for the "gaps" that are not covered by Medicare. This is why these types of plans are often called "Medigap" plans.

Q. Are all Supplemental plans the same?

A. Plan F from one company has exactly the same benefits (it pays for the same things) as Plan F from another company, but benefits do differ between plans (i.e. Plan A does not cover nearly as much as Plan F).

Q. What is the difference between Medigap and Medicare Advantage?

A. Medicare Advantage Plans work "instead of" or "in the place of" Medicare. With a Medicare Advantage plan, you get your benefits from the insurance company which is reimbursed by Medicare.

In many cases also, an Advantage plan works with networks, such as HMO's.

Supplemental plans on the other hand, work "alongside of" Medicare. Medicare pays for part of your medical bills, and then your Medigap plan pays for what Medicare does not cover.