Individual & Family
Group health
Medicare Supplement


Free Assistance 800-320-6269

California health insurance  -  California Senior health insurance  -  Medigap for California

Introduction to Medicare Supplements for California

Medicare Supplements are Standardized by the Federal Government (detail below)
80% of Med Sup shoppers purchase the G plan now that the F is no longer available. (detail below)
Your total package is Part A and B (Medicare), a Med Supp plan, and a Part D RX plan

Quote and Compare California Medicare Supplement Plans (doctor networks, brochures, exclusions can be accessed by clicking on plan name through the quote)

Medicare Supplements for Californian Seniors.

Medicare options have changed quite a bit over past 5 years.

First, we had the advent of high deductible G plans which are now much more common.

We lost some of the higher end plans whose only benefit was medication coverage since Part D came on board to cover RX costs.

We have also seen the addition of new plans which include more cost sharing but offer lower priced premiums.

Of course, we have to weigh the flexibility of Medicare supplements against the cost savings of Advantage plans.

There's a lot to consider and you're like to received dozens of colorful brochures months before turning 65.
You can quickly run your instant quote for both Medicare and Medicare Advantage plans available in Medicare including the dominant carriers available through our free Medigap quoting engine.

Let's do a quick walk through how Medicare works and the value of Medicare supplements.

We'll then look at which plans have been good values and popular options on the market to address the holes in Medicare.

Let's get started.

First, what is the core Medicare plan?

Medicare is primarily divided into 3 sections that really matter.

  1. There's Part A which deals with hospital or facility based care (the big ticket items in today's world)
  2. Part B for physician charges (think doctor's offices)
  3. Part D for medication coverage.

The core benefits for Part A and B work the same way.

Each has a calendar year deductible that you need to meet first.

After you meet this deductible, Medicare will then pick up 80% of the charges and you need to pay the other 20%. There is no cap to this 20% which is the key reason to have type of supplemental coverage for Medicare.

Part D is handled separately with its own plan which revolves around smaller deductibles and copays with different levels of benefits.

A Medicare eligible person generally does not need to pay for Part A but Part B usually requires a monthly premium depending on a person's income.

Part D will also require a separate premium.

So that's the core Medicare program in a nutshell.

Where do the Medigap plans come into play?

So what do Medigap plans cover?

Depending on the plan you choose, Medicare supplements will fill in these various holes in Medicare to different degrees.

The key concern is the deductibles, co-insurance of 20%, and of course medication.

The various plans are standardized by Medicare so a G plan is a G plan regardless of the carrier.

This means that we're looking at cost and carrier stability (which ultimately affects costs going forward).

We make it easy to compare the major carriers all on one page with our free and instant California Medicare supplement quote engine.

Speaking of the G plan, this has been the most popular plan for a while for the simple reason that it covers supplements all the major holes of Medicare.

It covers both deductibles (Part A and B), the 20% coinsurance, and other benefits.

It's hard to justify going down the scale from the G plan since you are making a decision that might reverberate for decades especially, if your health changes.

The Advantage Plan alternative to Medicare Supplements

If you are really cost sensitive, there are the Medicare Advantage plans to compare and you can quote those as well through our online Medicare quoting system.

We have provided all the tools but of course, we're happy to walk through your situation.

In the meantime, check out the rates for yourself through our California Medicare quote page.
Popular Related Pages:
Best Medicare Supplement value  Why the G plan is hard to beat

You can run your Medicare Supplement Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!


In just 15 minutes:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!

Call 800-320-6269

Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040:

Single Person: $16k - $47k
2 People $22k - $64k
3 People $27k - $80k
4 People $33k - $97k

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
and more
Thousands of Californians
Hundreds of California Companies
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

Find out what customers are saying about our services

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

calhealth website

Our Services are FREE to You is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.