Buyers Guides » Medicare Supplemental Insurance » Best Medicare Supplement Companies in California

Best Medicare Supplement Companies in California

We choose the best medicare supplement companies in California based on coverage options, costs and customer reviews.

Latest update: July 20, 2022

Medicare Supplement Companies in California

United Medicare Advisors

United Medicare Advisors simplifies finding the right Medicare supplement insurance by providing tools to compare plan benefits and costs. The company provides options from more than 20 providers to consumers across 45 states.

Humana

Humana offers Medicare supplement insurance Plans A through N in most states. Each Humana policy comes with benefits other companies don’t offer. Perks include discounts for using electronic payments, fitness programs and more.

Cigna Medicare Supplement

Cigna is an industry-leading Medicare supplement insurance company, serving 95 million customers. Plans work with any provider that takes Medicare. Cigna offers plans for Part A, B, C, D, F, HD-F, G and Part N.

California Health Quote Insurance

California Health Quote Insurance is great for finding customized quotes and comparing insurance providers. The company gets rid of all the complications of signing up for Medicare supplement insurance.

CA Medicare

The helpful agents at CA Medicare make choosing a plan simple. They work with older adults to assess their needs, review plans and enroll in supplemental insurance.

A Best Insurance

A Best Insurance is an insurance agency that offers UnitedHealthcare Medicare supplements. The staff is knowledgeable and kind, helping customers choose the best plans for their needs.

San Diego Medicare Plans

San Diego Medicare Plans in an experienced broker service with plans from top insurers. The business offers free consultations and quotes to make choosing a Medigap plan simple.

Skyline Benefit Insurance

Skyline Benefit Insurance reviews your needs and finds the best Medigap plan available. Customers can get quotes instantly over the phone or online.

Health Insurance Brokers LLC

Health Insurance Brokers LLC is a group of independent insurance brokers in the Southwest. These professional brokers have expert knowledge on Medicare and Medigap plans.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1 (877) 486-2048) 24 hours a day/7 days a week to get information on all of your options.


Medicare Supplement Costs in California

The average Medicare supplement (Medigap) plan in California costs $152 per month and $1,820 a year. The cost of your plan can vary depending on where you live, the company offering the plan and the type of plan you choose. There are 10 different Medigap plans available in California, each with different degrees of coverage. The plans are labeled by letters: A, B, C, D, F, G, K, L, M and N.

Insurance companies determine their own premiums for Medigap policies. These plans may be priced in three ways. Community-rated plans charge the same premiums to everyone with the policy regardless of age or gender. Issue-age-rated plans base premiums on the age you were when you bought the policy. Attained-age-rated plans have premiums based on your current age, so your rates increase as you get older.

Original Medicare parts A and B cover about 80% of recipients’ medical expenses. Older adults use Medicare supplement plans to cover the remainder. Around 25% of Medicare recipients have a Medigap plan too. Medigap plans help to pay for things that are not covered by Original Medicare, such as deductibles for parts A and B, copays for parts A and B, health care during foreign travel, blood transfusions and excess costs for Part B. Medigap Plan K and Plan L have limits on the amount of money you will have to pay out-of-pocket. In 2021, the limits are $6,220 for Plan K and $3,110 for Plan L. After you reach the limit, the supplemental insurance applies to 100% of covered services for the remainder of the year.

When should Enroll In a California Medicare Supplement Plan?

The best time to obtain a supplemental Medicare plan is during your initial open enrollment period. This is the six-month period during which you are guaranteed coverage for all Medigap plans in California. The guaranteed enrollment period starts the month you turn 65 or when you sign up for Medicare Part B. In California, you must be enrolled in Medicare Part A and Part B to qualify for a Medigap plan. You can also purchase a supplemental plan during the insurance company’s open enrollment period any year moving forward.

California also has a unique rule for additional enrollment periods. The state’s “birthday rule” allows Medicare recipients to enroll in supplement plans for one month a year during their birthday months. You also have the option to apply for a Medigap plan whenever it suits you. If your special enrollment period has passed and you don’t qualify for a special enrollment period, you will need to go through the underwriting process. During this procedure, insurers can analyze your medical history and preexisting conditions to determine your premium rate. As such, it may be higher than it would be during the initial open enrollment period.


California Health Quote Insurance

California Health Quote Insurance

California Health Quote Insurance helps customers find the best health insurance and Medicare supplement plans for their needs. The company communicates directly with insurance underwriters, allowing them to offer personalized quotes that better meet the needs of its clients. This service makes enrolling in any type of health insurance easy and stress-free. Customer support is available via the phone, and the representatives can answer all of your questions genially. Past customers found the service and the staff to be extremely helpful.

California Health Quote Insurance
Address 2888 Loker Ave. E. Ste. 221, Carlsbad, CA 92010
Phone Number (800) 788-4678


CA Medicare

CA Medicare

CA Medicare is a company that helps older adults find the right Medicare and Medigap coverage. The team will assist you in determining your insurance needs and examining all of your options. Customers work with staff to review available plans, fill out paperwork and find the answers to all of their questions. You can get a quote from CA Medicare online or on the phone. The agents are understanding and helpful, and they work to simplify the process of obtaining health insurance.

CA Medicare
Address 23801 Calabasas Road, Ste. 1002, Calabasas, CA 91302
Phone Number (800) 356-3615


A Best Insurance

A Best Insurance

A Best Insurance is a Long Beach-based insurance agency operated by Marina Amezcua. The business sells UnitedHealthcare Medicare products, including supplemental care plans. The staff assists customers in finding the right Medicare and Medigap insurance plans for their needs and budgets. The company makes it simple to find a plan and enroll in service. Amezcua is well-informed about all of the health insurance and supplemental plans available. She offers excellent customer service and always helps older adults find the insurance they are looking for.

A Best Insurance
Address Services California
Phone Number (562) 639-9873


San Diego Medicare Plans

San Diego Medicare Plans

San Diego Medicare Plans is a broker and insurance advisor that specializes in Medicare and Medigap plans. The company contracts with all Medicare carriers and plans in San Diego. Customers can receive quotes and explore plans from top insurers like Blue Shield of California and Humana. Consultations and quotes are free. The business is run by Alex Wender, an expert in Medicare insurance. He helps customers navigate the complicated process of finding insurance and choose the right Medicare and supplemental care plan for them.

San Diego Medicare Plans
Address 2221 Camino del Rio S., Ste. 305, San Diego, CA 92108
Phone Number (619) 348-5322


Skyline Benefit Insurance

Skyline Benefit Insurance

Skyline Benefit Insurance is an independent health insurance agency that helps individuals and businesses select health insurance plans. It offers plans for Medicare from an assortment of insurance providers, including AARP and Anthem. Customers can get an instant quote for Medigap plans online or over the phone. The company also offers broker services, meaning the staff can analyze your unique insurance needs and find the best plan to suit them. The team is responsive and accommodating, taking the time to answer all questions and explain the enrollment process.

Skyline Benefit Insurance
Address 1301 W. Valencia Drive, Fullerton, CA 92833
Phone Number (714) 888-5112


Health Insurance Brokers LLC

Health Insurance Brokers LLC

Health Insurance Brokers LLC is a collection of independent insurance brokers that serves California and much of the Southwest. Customers can enroll in regular health insurance, Medicare and Medigap plans. The company offers plans from common insurers, like Western Health Advantage and Aetna. You can request a quote or a consultation to find the best plan for your needs. The Pasadena office is run by John W. Barrett, an insurance broker with years of expertise. Past customers enjoyed working with Barrett. He is professional, knowledgeable and highly responsive.

Health Insurance Brokers LLC
Address 333 W. California Blvd., Ste. 309, Pasadena, CA 91105
Phone Number (626) 689-7654

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