Understand your options side by side — then let our specialists find you the best plan for the coverage you need.
Medicare Supplement (Medigap) plans are standardized by the federal government — meaning Plan G from one company covers exactly the same benefits as Plan G from another. The only difference is price.
That's why comparing carriers matters. Our Medicare Supplement specialists shop 20+ top-rated carriers to find you the same coverage at a lower price.
The most popular plan in California right now is Plan G — offering comprehensive coverage with room to save.
Carriers we work with
✦ = Most popular plan in California
| Benefit | Plan A | Plan B | Plan D | ✦ Most PopularPlan G | Plan N | Plan K | Plan L | Plan M |
|---|---|---|---|---|---|---|---|---|
| Hospital Coverage | ||||||||
| Part A Coinsurance & Hospital Costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part A Deductible | ✕ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% |
| Skilled Nursing Facility Coinsurance | ✕ | ✕ | ✓ | ✓ | ✓ | 50% | 75% | ✓ |
| Doctor & Outpatient Coverage | ||||||||
| Part B Coinsurance or Copayment | ✓ | ✓ | ✓ | ✓ | Copays apply | 50% | 75% | ✓ |
| Part B Deductible | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ |
| Part B Excess Charges | ✕ | ✕ | ✕ | ✓ | ✕ | ✕ | ✕ | ✕ |
| Additional Benefits | ||||||||
| Blood (First 3 Pints) | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ |
| Foreign Travel Emergency | ✕ | ✕ | ✓ | ✓ | ✓ | ✕ | ✕ | ✓ |
| Out-of-Pocket Limit (2024) | None | None | None | None | None | $7,060 | $3,530 | None |
* Plans C and F are only available to those who became eligible for Medicare before January 1, 2020. Out-of-pocket limits adjusted annually.
These two plans cover the vast majority of California Medicare beneficiaries. Our specialists will help you decide which is right for you.
Comprehensive coverage with only the Part B deductible out-of-pocket
Lower premium with small copays for office and ER visits
Our California specialists share what they tell every client before enrolling.
Your 6-month window starting at age 65 is your best opportunity. Insurers cannot deny you or charge more for pre-existing conditions during this period.
Plan G coverage is identical across all insurers. The only difference is price — and prices can vary by hundreds of dollars per year for the same plan.
Frequent doctor visits? Plan G's comprehensive coverage may save more. Generally healthy? Plan N could save you money with its lower monthly premium.
Some carriers offer low introductory rates then raise them significantly. Our specialists know which carriers have the most stable, predictable pricing in California.
Let our Medicare Supplement specialists compare 20+ carriers and find the lowest price for the plan you choose.