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Medicare Supplement Insurance Plans in California
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What Are the Specifics of Medicare Supplement Insurance Plans in California?
As one of the nation’s most populous states, California has many residents who may be looking for a Medicare Supplement Insurance plan. Sometimes referred to as Medigap, Medicare Supplement Insurance plans fill in some of the gaps for costs not covered by Medicare Parts A and B, such as coinsurance, deductibles and copayments.
In 2023, Medicare Supplement insurance plans are available from private insurance companies throughout the state of California. California residents have eight Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but anyone already enrolled in these plans is grandfathered in.
As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.California residents looking for the most popular Medicare Supplement Insurance plans should first look at their specific coverage needs to determine what Medigap plans to consider.
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Most Popular Medicare Supplement Insurance Plans in California
Government-approved Medicare Supplement Insurance plans help protect consumers in most states, including California. The statistics below show a sampling of the Medigap Insurance plans that are the most popular among California residents. All insurance companies selling Medigap plans offer the same basic benefits, but those plans may come at different prices depending on where you live and the carrier. Each insurer may not offer each of the available Medigap Supplement plans.As reported by America’s Health Insurance Plans (AHIP), 1,107,211 California beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of California enrollees by Medigap plan type.
| Plan | A | B | C | D | E | F | G | H | I | J | K | L | M | N |
| Enrollment # | 4,670 | 2,093 | 7,048 | 1,584 | 600 | 349,209 | 113,848 | 485 | 2,833 | 35,854 | 5,969 | 2,382 | 17 | 64,029 |
While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your California Medicare Supplement Insurance plan will not cover benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a California Medicare Advantage plan.Learn more about your Medicare Supplement Insurance Plan options in California by working with a SelectQuote licensed insurance agent. Acting as your advocate, our licensed insurance agents can guide you through the process to better understand Medigap Plan options and answer any questions you may have. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in California.
California residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage Plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage Plan.
When Can I Enroll in California Medicare Supplement Insurance Plans?
Initial enrollment timeframes are very important. Enrollment for California Medicare Supplement Insurance plans begins the first day of the month you turn at least 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.
California residents have six months to buy a Medicare Supplement Insurance Plan. California residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. You can get a jump on enrollment as early as age 64 ½. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. In other words, during this timeframe your acceptance is guaranteed. However, if you apply for Medicare Supplement Insurance outside of this timeframe, California residents will be subject to a physical exam. If you apply for Medigap coverage after the first months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.
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How Do I Determine if a California Medicare Supplement Insurance Plan is the Right Choice?
SelectQuote, an independent third-party company, specializes in helping consumers like you navigate Medicare options. Our experienced SelectQuote licensed insurance agents can determine if you’re getting all the benefits available to you while keeping you updated on Medicare plan changes insurance companies make annually. SelectQuote is here to help Californians find the right Medicare Supplement Insurance plan to meet their needs.To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.
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