If you’re researching Medigap plan costs in California in 2025, you’re not alone. With rising healthcare expenses and changes to Medicare coverage, it’s important to understand what you’ll pay for Medicare Supplement Insurance before you enroll. This blog breaks down the expected monthly premiums for the most popular plans—Plan F, Plan G, and Plan N—and explains what affects the cost in California.
Skyline Benefit, a trusted Medicare insurance broker based in California, helps individuals compare Medigap plan options, understand pricing, and enroll in the plan that best fits their needs and budget.
Why Do Medigap Plan Prices Vary in California?
In California, Medigap premiums vary based on several factors, including your age, gender, ZIP code, and whether you smoke. Insurance companies also use different pricing models, such as attained-age or community-rated pricing. Additionally, some carriers offer household discounts that could lower your monthly premium.
If you’re turning 65 or newly eligible for Medicare, your Medigap Open Enrollment Period is the best time to enroll, since you won’t be subject to medical underwriting.
How Do Medigap Plan Costs in California 2025 Compare Across Plan F, G, and N
Plan F remains the most comprehensive Medigap plan, but it’s only available to individuals who became eligible for Medicare before January 1, 2020. You may still enroll during your Medigap Open Enrollment Period or under certain guaranteed issue rights if you qualify.
In California, Plan F premiums in 2025 are expected to range from $180 to $250 per month, depending on your location and personal factors.
Plan F includes:
- 100% of Medicare Part A and Part B coinsurance
- Both Part A and B deductibles
- Skilled nursing facility coinsurance
- Foreign travel emergency care
- Part B excess charges
A high-deductible version of Plan F will also be available in 2025. With this version, you’ll pay the first $2,870 out-of-pocket costs before full coverage begins.
What Is the Cost of Medigap Plan G in California for 2025?
Plan G is California’s most popular Medigap plan for new Medicare enrollees. It offers almost the same coverage as Plan F, except it does not cover the Medicare Part B deductible.
In 2025, Plan G premiums in California are expected to range between $130 and $200 per month.
Plan G covers:
- All Part A costs and deductibles
- Part B coinsurance (after the deductible)
- Skilled nursing facility coinsurance
- Foreign travel emergency coverage
- Part B excess charges
Like Plan F, a high-deductible version of Plan G will be available with the same $2,870 deductible.
What Does Medicare Plan N Cost in California in 2025?
Plan N offers a balance of coverage and affordability, with lower monthly premiums and some cost-sharing. It’s a good option for individuals who want protection from major medical expenses but don’t visit the doctor often.
In California, Plan N premiums in 2025 are estimated between $100 and $170 per month.
Plan N covers:
- 100% of Medicare Part A coinsurance and deductibles
- Part B coinsurance (except small copays)
- Skilled nursing facility care
- Foreign travel emergency care
You’ll pay up to $20 for doctor visits and up to $50 for ER visits, and the plan does not cover the Part B deductible or Part B excess charges.
How to Compare Medigap Plan Costs and Coverage in California
If you’re unsure which plan is right for you, consider these questions:
- Do you qualify for Plan F based on your Medicare eligibility date?
- Can you afford slightly higher premiums for more complete coverage?
- Are you willing to pay small copays to save on monthly costs?
Your best plan depends on your health needs, how often you visit the doctor, and how much financial protection you want. A licensed broker can help compare quotes from multiple carriers across California.
When Should You Enroll in a Medigap Plan in California?
The ideal time to enroll in a Medigap plan is during your six-month Medigap Open Enrollment Period, which begins the month you’re both 65 or older and enrolled in Medicare Part B. During this period, you can’t be denied coverage due to pre-existing conditions, and insurers cannot charge more based on your health history.
California also has a Birthday Rule that allows Medigap enrollees to switch to another plan of equal or lesser benefits without medical underwriting around their birthday—making California one of the few states with extra flexibility.
Need Help Choosing the Right Medigap Plan in California?
Skyline Benefit is an independent Medicare insurance broker in California that offers affordable and flexible Medicare options. We specialize in Medicare Supplement Insurance and helps California residents find plans that fit their health needs.
Schedule a consultation today. Call us at: (714) 888-5112