What Are the Best Medicare Supplement Plans in California?
State Farm sells the best and cheapest Medicare Supplement plans in California.
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State Farm has good customer service, too. And it's a convenient option if you already have State Farm car and home insurance. If you want extra perks with your Medigap plan, AARP/UnitedHealthcare is the best option.
What's the best Medicare Supplement company in California?
State Farm has the best Medigap plans in California because of its low rates and good customer service.
State Farm has some of the cheapest rates for Plan G and the cheapest rates for Plan N in California. And the company has about a forth fewer complaints than an average company its size. That means most people have a good experience with State Farm's Medigap customer service.
Top Medicare Supplement companies in California
Company |
Customer satisfaction (out of 5)
| Plan G monthly rate | |
|---|---|---|---|
| State Farm | 4.0 | $144 | |
| AARP/UHC | 4.0 | $165 |
| Mutual of Omaha | 4.0 | $168 |
| United American | 3.5 | $201 | |
| USAA | 3.0 | $144 |
| Health Net | 1.0 | $175 | |
| Transamerica | 1.0 | $196 |
| Humana | 1.0 | $211 |
All rates are for a 65-year-old woman who does not smoke.
Plan G is the best plan if you're new to Medicare, because it pays for most of your medical costs. Although Plan F is the most popular Medigap policy in California, it's only an option if you were eligible for Medicare before Jan. 1, 2020.
Best overall: State Farm
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Editor rating
- Plan A: $108
- Plan N: $110
- Plan D: $143
- Plan G: $144
- Plan C: $198
- Plan F: $200
State Farm's cheap rates and excellent service make it the best Medigap company in California.
Plan G, the best plan if you're new to Medicare, costs $144 per month from State Farm. That's 21% less than the state average of $182 per month. Because the coverage that Plan G gives you is the same no matter what company you buy a plan from, choosing a company with cheap rates is a good idea.
State Farm also has good customer service for its Medigap plans. The company gets about 28% fewer complaints than expected for a company its size. Choosing a company with good service means you'll probably have fewer problems if you have questions about your plan.
If you already have State Farm auto, home or renters insurance, it might make sense to buy a Medigap plan from the company too. That way, all your insurance is with one company and it could make it easier to manage.
State Farm also has the cheapest rates in California for Plan N. Plan N is a great option if you're on a budget but still want good coverage. It has coverage that's almost as good as Plan G but at a much cheaper rate. Statewide, Plan N costs $146 per month, on average. But Plan N from State Farm costs an average of $110 per month. That's a savings of $36 per month or $432 per year.
Best added Medigap perks: AARP/UnitedHealthcare (AARP/UHC)
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Editor rating
- Plan K: $64
- Plan L: $115
- Plan A: $124
- Plan N: $140
- Plan G: $165
- Plan B: $174
- Plan C: $211
- Plan F: $212
AARP/UnitedHealthcare offers lots of extra perks and benefits when you buy a Medigap plan.
That's because you have to join AARP to get a plan. A membership is $16 per year, though, and the perks usually outweigh the cost. AARP gives you discounts on vision and hearing care, rental cars, hotels, restaurants and more. You'll also have access to games, a job board, financial tools, and community support.
While it's not the cheapest company overall, AARP/UnitedHealthcare does have lower-than-average rates for its Medigap plans in California. Plan G from AARP/UHC costs $165 per month, on average, which is about 9% cheaper than the state average.
Plan N from AARP/UHC costs an average of $140 per month. That's a savings of about 4% compared to the state average.
AARP/UnitedHealthcare is the most popular Medicare Supplement company in California. About two-thirds of the Medigap plans in California come from AARP/UnitedHealthcare. That could be partly because of the company's excellent service. AARP/UHC has about half the number of complaints expected for a company its size.
How much does a Medigap plan cost in California?
Medicare Supplement plans in California cost between $55 and $225 per month, on average.
But the most popular plans — F, G and N — cost between $146 and $225 per month.
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California Medigap plan rates
Medigap plan | Monthly cost | Popularity in California (enrollment) |
|---|---|---|
| Plan F | $225 | 55% |
| Plan G | $182 | 24% |
| Plan N | $146 | 11% |
| Plan J | N/A | 6% |
Rates are for a 65-year-old female nonsmoker in California. An * indicates a high-deductible plan.
Medicare Supplement Plan G costs $182 per month, on average, in California. That's about 20% cheaper than Plan F, which costs $225 per month, on average. Because the only difference between Plan F and Plan G is that Plan F covers the $257 Medicare Part B annual deductible, Plan G is usually a better deal. Plus, you can't get Plan F unless you were eligible for Medicare before 2020.
Despite being more expensive, Plan F is the most popular Medigap plan in California. Over half of all Medigap plans in California are Plan F. Plan G is the second-most-popular option, with about a fourth of the plans in the state. But because Plan F isn't an option for people who are new to Medicare, it's likely that Plan G will increase in popularity each year.
Plan N is the third most popular Medigap plan in California, making up about 1 in 10 of the Medicare Supplement plans in the state. Plan N gives you similar levels of coverage compared to Plan G, but you have to pay up to $20 for visits to the doctor and up to $50 for visits to the emergency room. You also have to pay for any excess charges when you see a doctor, although these are rare. If you're relatively healthy and don't have chronic medical conditions, Plan N can be a good option. You'll save money each month and still have good coverage.
How does age impact Medigap prices in California?
Most Medicare Supplement policies in California get more expensive as you age. Typically, your Medigap policy will be cheaper when you're 65, and you can expect the price to rise after each annual renewal.
Some companies only take your age into account when you buy the policy. Although you may see annual price increases to keep up with inflation, your policy won't jump in price just because you're getting older.
Less commonly, some companies in California require all policyholders to pay the same price per plan regardless of their age.
Frequently asked questions
What's the best Medicare Supplement plan in California?
Plan G is the best Medicare Supplement plan in California because it gives you the most coverage if you're new to Medicare. If you're in relatively good health, you should also consider Plan N, which offers slightly less coverage at an even more affordable price.
How are California Medigap plans priced?
Most California Medigap companies use your age, gender and tobacco use when calculating rates. Plans are typically the cheapest right when you sign up, and they get more expensive as you age.
How much is Medigap in California?
Medicare Supplement plans cost between $55 and $225 per month, on average, in California. Your rates will depend on the plan you pick, the company you choose, your age, and whether or not you smoke.
Sources and methodology
ValuePenguin used actuarial data from California Medigap companies to get average rates for 2025. All rates are for a 65-year-old woman who doesn't smoke. Only companies with a market share above 1.2% for the state of California were included in the analysis. Loyal American was excluded from this study because rates are not available.
Total enrollment numbers by Medicare Supplement plan for California are from America's Health Insurance Plans (AHIP). Customer complaint numbers are from the National Association of Insurance Commissioners (NAIC).
ValuePenguin used NAIC complaint data to score Medigap providers on a five-point scale with a score of one signaling a high number of complaints.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | Over 75% fewer complaints than typical |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
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Availability of benefits and plans varies by carrier and location and may be limited to certain times of the year, unless you qualify for a Special Enrollment Period. We do not offer every plan available in your area. Currently we represent 73 organizations that offer 5,110 products in your area. Contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP), to get information on all of your options.
These numbers provided are not specific to your area, but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
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Medicare supplement insurance is available to people age 65 or older enrolled in Medicare Parts A and B, and in some states to those under age 65 eligible for Medicare due to disability or end stage renal disease.
Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
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