What Is Medicare Supplement?

Original Medicare covers about 80%. We help you cover the rest.

💊 What Original Medicare Doesn'T Cover

Original Medicare (Part A + Part B) leaves you responsible for deductibles, copays, and coinsurance that can add up to thousands of dollars. A Medicare Supplement plan pays most or all of these gaps — predictable monthly premium, no surprise bills.

Compare Plans →

Medigap Plans

The most popular Medicare Supplement plans in California

All Medigap plans are standardized — Plan G from one carrier covers exactly the same things as Plan G from another. The difference is price and service.

Why California seniors choose Medigap over Medicare Advantage

✅ Medicare Supplement (Medigap)

See ANY doctor who accepts Medicare — nationwide
No network restrictions — no referrals needed
Predictable costs — know your out-of-pocket max
No prior authorization for most procedures
Guaranteed renewable — can't be cancelled if you pay premiums
Works anywhere in the US

⚠️ Medicare Advantage (Part C)

⚠️Must use network doctors and hospitals
⚠️Prior authorizations may be required
⚠️Out-of-pocket costs can be unpredictable
⚠️Networks vary by county and year
✅Often lower monthly premium
✅May include dental, vision, hearing extras

We also help with Medicare Advantage through PlanEnroll — compare both options side by side.

Medicare in California — the numbers

6.5M+

California Medicare beneficiaries

$1,600

Part A deductible per benefit period (2026)

20%

Of costs you pay without Medigap after deductible

Out-of-pocket on most services with Plan G

Compare Medicare Supplement Plans Instantly

Compare Plan G, Plan N, Plan A and more from Mutual of Omaha and other top-rated carriers. See your rates in minutes.

Compare Medigap Plans Now

Prefer to talk? Call Hakob: 818-945-8585 — free Medicare consultation

FAQ

Medicare Supplement questions answered

The best time is during your Medigap Open Enrollment Period — the 6-month window that starts when you're 65 and enrolled in Medicare Part B. During this period, insurers cannot deny you coverage or charge more due to pre-existing conditions. After this window, you may still be able to enroll but could face medical underwriting.

Yes — this is one of the biggest advantages of Medicare Supplement over Medicare Advantage. Medigap works with any doctor or hospital that accepts Original Medicare, nationwide. No networks, no referrals, no restrictions.

Premiums vary by plan type, age, gender, tobacco use, and the carrier. In California, Plan G premiums for a 65-year-old typically range from $120–$200/month. Plan N runs slightly less. Use our PlanEnroll comparison tool for accurate rates for your specific situation.

Plan F was the most comprehensive plan but is no longer available to new Medicare beneficiaries who became eligible after January 1, 2020. Plan G is now the most comprehensive plan available to new beneficiaries — it covers everything Plan F did except the Part B deductible (approximately $240/year in 2026).

Yes — Medicare Supplement plans do not cover prescription drugs. You'll need a separate Medicare Part D plan for prescription coverage. We can help you compare Part D plans through PlanEnroll as well.

No — Medigap plans are guaranteed renewable as long as you pay your premiums. The insurance company cannot cancel your coverage because of your health status or how often you use it.

California Medicare Supplement that covers the gaps