Medicare Supplement Plan G in California
Medicare Supplement Plan G in California
A Medicare Supplement Plan G in California is the most complete Medigap plan a person who is new to Medicare can buy. Plan G pays almost every cost Original Medicare leaves behind: the hospital deductible, the 20 percent coinsurance, skilled nursing coinsurance, and Part B excess charges. The one cost it does not pay is the annual Part B deductible, $283 in 2026.
Plan G benefits are federally standardized, so a Medigap Plan G from one insurance company covers exactly the same things as a Plan G from another. What changes from company to company is the price, and in California those prices vary a lot for identical coverage. That is why comparing Medigap Plan G cost in California, carrier by carrier, matters more than comparing benefits.
What you pay with Plan G
| Part A (hospital) deductible | You pay $0. Plan G pays it. |
|---|---|
| Part B deductible | You pay $283 per year (2026 amount), once. |
| Part B coinsurance (the 20 percent) | You pay $0 after the Part B deductible. |
| Part B excess charges | You pay $0. Plan G pays them. |
| Skilled nursing facility coinsurance | You pay $0. |
| Monthly premium | Paid to the insurance company. Varies by carrier, age, and ZIP code. See the California price ranges below. |
| Prescription drugs | Not included. Most people pair Plan G with a standalone Part D drug plan, and pay the Part B premium as well. |
Plan G does not include drug coverage, so most people pair it with a standalone Part D plan. See the 2027 California Part D plans, all 10 with premiums and deductibles.
What Plan G covers
These are the standardized benefits from the federal Medigap chart, for this letter only. They are the same at every insurance company.
- Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used): 100%
- Part B coinsurance or copayment: 100%
- Blood (first 3 pints): 100%
- Part A hospice care coinsurance or copayment: 100%
- Skilled nursing facility care coinsurance: 100%
- Part A deductible: 100%
- Part B deductible: Not covered
- Part B excess charges: 100%
- Foreign travel emergency (up to plan limits): 80%
- Out-of-pocket limit: N/A
What Plan G costs in California
Coverage is identical statewide; the price is not. Premiums are set by each carrier for each ZIP code and age. The range below is the general statewide picture from the state rate guide, across the California ZIPs we checked. For your exact price, ask us for a quote; we would rather quote you than publish a range we have not verified.
| Annual premium range at age 65, statewide | Per month, for comparison | Companies in the guide |
|---|---|---|
| $1,946 to $4,517 per year | About $162 to $376 per month | 19 |
Ranges across 8 California ZIPs checked in the California Department of Insurance 2026 Medicare Supplement Rate Guide, individual, non-tobacco, at age 65, checked October 2026. Guide survey rates, not quotes. Your own premium depends on the carrier, your exact age, ZIP code, and tobacco use, and carriers file new rates over time.
Who Plan G fits
A good fit if
- You want the most predictable costs available with Original Medicare.
- You see doctors often, or you are managing ongoing conditions and do not want a bill at every visit.
- You want to use any doctor or hospital in the country that accepts Medicare patients, with no network and no referrals.
- You travel, or split time between homes, and want the same coverage everywhere.
Think twice if
- The monthly premium strains your budget. Plan N or High Deductible Plan G may fit better.
- You rarely use care and would rather pay less each month and accept a deductible first. Look at High Deductible Plan G.
- You want dental, vision, hearing, and fitness benefits bundled in one plan. Medigap plans do not bundle those; Medicare Advantage plans often do.
Carriers that sell Plan G in California
These are some of the carriers that sell Medicare Supplement plans in California. Because the benefits for this letter are standardized, the same Plan G policy covers the same things at every carrier on this list; carriers differ on premium, household discounts, rate increase history, and service.
| Carrier |
|---|
| Aetna |
| Anthem Blue Cross |
| Blue Shield of California |
| HealthSpring (Cigna) |
| Humana |
| Mutual of Omaha |
| UnitedHealthcare (AARP) |
Compare the other plans
Lower premium, small copays, no excess charge coverage.
High Deductible Plan GPlan G coverage after a $3,050 deductible in 2027, at the lowest premiums.
Plan G vs Plan NThe head to head comparison, with the California break-even math.
Back to the full comparison: Medicare Supplement plans in California.
Questions about Plan G in California
What does Medicare Supplement Plan G cover in California?
Plan G covers the Part A hospital deductible, Part A and Part B coinsurance, the first 3 pints of blood, hospice coinsurance, skilled nursing facility coinsurance, Part B excess charges, and 80 percent of foreign travel emergency costs, up to plan limits. The only standard Medicare cost it does not cover is the annual Part B deductible, $283 in 2026.
How much is Plan G in California?
It depends on the carrier, your age, and your ZIP code, because the coverage is identical and only the price differs. Across 8 California ZIPs checked in the California Department of Insurance 2026 Medicare Supplement Rate Guide, Plan G annual premiums at age 65 ranged from $1,946 to $4,517 for an individual, non-tobacco policy (about $162 to $376 per month, 19 companies in every ZIP table checked). Guide survey rates, not quotes. The pricing section below shows the statewide range, and we can quote your exact age and ZIP at no cost.
Is Plan G the same as Medicare Part G?
No. There is no Medicare Part G. Medicare has Parts A, B, C, and D. Plan G is a Medigap plan letter, a private Medicare Supplement policy that works alongside Original Medicare (Parts A and B). The letters for Medigap plans and the letters for Medicare parts are two different systems that happen to share an alphabet.
Can I keep my doctor with Plan G?
Yes, if your doctor accepts Original Medicare patients. Medigap has no provider network, so you can see any doctor or hospital in the United States that accepts Medicare, and you do not need referrals. That freedom to choose any provider who accepts Original Medicare patients is the main reason people pick Medigap.
Does Plan G include prescription drug coverage?
No. No Medigap plan sold today includes drug coverage. Most people on Plan G buy a standalone Part D plan for prescriptions, and going without creditable drug coverage can lead to a late enrollment penalty, so the Part D choice matters even when the medical choice is settled.
Check Plan G prices for your ZIP
Call or text, Mon to Thu 9 AM to 8 PM, Fri 9 AM to 3 PM, Sat 9 AM to 2 PM PT
Talk through Plan G with Eric. We will price it for your exact age and ZIP, check your doctors the Medigap way (any provider who accepts Medicare), and compare it honestly against the other letters, at no cost to you.
Written by Eric Ullrich, licensed Medicare insurance agent, CA license #4551902, NPN 22200900. Last reviewed October 27, 2026. Medigap benefits on this page follow the federally standardized plan chart published by Medicare.gov. Sources: Medicare.gov, Compare Medigap plan benefits, California Department of Insurance, Medicare Supplement Rate Guide. Verify plan details with the carrier or at Medicare.gov before enrolling.