Original Medicare covers 80% of most medical costs — but that 20% adds up fast. A Medicare Supplement (Medigap) plan protects you from unexpected out-of-pocket costs.
Compare Medigap PlansMedigap plans are standardized by the government. Every Plan G from one company covers the same benefits as Plan G from another — so price and company reputation are what matter.
Original Medicare pays 80% after your deductible. Medigap covers most or all of the remaining 20% — so you're rarely surprised by a large bill.
Covers Part A coinsurance and hospital costs. Some plans add up to 365 extra days of inpatient coverage beyond Medicare's limit.
Medigap works with Original Medicare, so you can see any doctor or specialist in the U.S. who accepts Medicare — no referrals, no networks.
Plans C, D, G, M, and N include foreign travel emergency coverage — up to 80% after a deductible, for care needed while traveling abroad.
There are 10 standardized Medigap plans (A through N). These three are the most popular in California.
Note: Plans C and F are no longer available to those newly eligible for Medicare after January 1, 2020.
The best time to enroll is during your Medigap Open Enrollment Period — a 6-month window that starts the month you turn 65 and are enrolled in Part B. During this window, insurers cannot deny you coverage or charge more based on your health.
Guaranteed issue — no health questions, no denials, same price as a healthy person. This window only comes once and can't be repeated.
In most states, insurers can use medical underwriting. Pre-existing conditions may lead to higher premiums or denial. California has some additional protections.
Certain situations — like losing employer coverage or a Medicare Advantage plan leaving your area — trigger guaranteed issue rights outside the standard window.
I'll compare plans from multiple carriers and show you exactly what each covers and costs — so you can choose with confidence. Free consultation, bilingual service.
Choose a time that works for you — phone, video, or in-person. No obligation, just clear guidance.