Best Medicare Supplement Plan G Rates in California (2026)
Plan G covers everything except the $257 Part B deductible. Compare rates from 21+ carriers in California to find the lowest premium.
Lowest Rate
$166/mo
Average Rate
$185/mo
Carriers
21+
What Does Plan G Cover?
Plan G is federally standardized, meaning every carrier offers identical coverage. The only out-of-pocket cost is the annual Part B deductible.
Bottom line: After paying the $257 Part B deductible once per year, Plan G and Medicare together cover 100% of Medicare-approved costs for the rest of the year. No copays, no coinsurance, no surprise bills.
Plan G Rate Comparison - California Carriers
Rates shown are typical monthly premiums for a 65-year-old female non-smoker. Your rate may vary by age, gender, zip code, and tobacco use.
| # | Carrier | Plan G Monthly | AM Best | Discounts | Score |
|---|---|---|---|---|---|
| 1 | HealthSpring (formerly Cigna) Lowest Rate | $166/mo | A | Up to 25% (20% premium + 5% online enrollment) | 4.5 |
| 2 | State Farm | $170/mo | A++ | Multi-policy discount available | 4.9 |
| 3 | Mutual of Omaha | $178/mo | A+ | Household discount (up to 12%), annual payment discount | 4.2 |
| 4 | AARP/UnitedHealthcare | $185/mo | A+ | Household, payment mode, and loyalty discounts | 4.7 |
| 5 | Anthem Blue Cross | $195/mo | A | Household discount available | 4.3 |
Premiums are based on publicly available rate filings and may not reflect the exact rate in your zip code. Always request a personalized quote for accurate pricing.
See Plan G Rates in Your ZIP Code
Rates vary significantly by location. Enter your zip code to see what carriers charge for Plan G in your area of California.
Compare Plan G RatesHow to Find the Cheapest Plan G in California
Because every Plan G policy covers the same benefits regardless of the carrier, the only variable that matters when choosing a plan is the premium. Finding the lowest rate requires understanding how carriers price their policies and which discounts are available.
Pricing Methods in California
Most carriers in California use attained-age pricing, which means your premium increases as you get older. This is the most common method nationwide. A few key things to know:
- - Premiums are lowest when you first enroll (typically at age 65)
- - Rates increase annually based on your age plus medical inflation
- - The carrier with the lowest rate at 65 may not be the lowest at 75
- - Rate increase history matters more than the starting premium
Discounts That Lower Your Premium
Plan G vs. Plan N in California: Which Saves You More?
Plan N is the most common alternative to Plan G. It has lower premiums but introduces copays and does not cover Part B excess charges.
| Feature | Plan G | Plan N |
|---|---|---|
| Part B deductible | Not covered | Not covered |
| Part B coinsurance | 100% covered | 100% covered (with copays) |
| Office visit copay | None | Up to $20 |
| ER copay (not admitted) | None | Up to $50 |
| Part B excess charges | 100% covered | Not covered |
| Avg. monthly premium (FL) | $185/mo | $145/mo |
| Best for | Predictable costs, no surprises | Lower premiums, fewer doctor visits |
California Medigap Rules You Need to Know
Open Enrollment Period
Your Medigap open enrollment period lasts 6 months, starting the month you turn 65 and are enrolled in Medicare Part B. During this window, no carrier can deny you or charge more based on health conditions. This is your best opportunity to lock in coverage.
Birthday Rule (60 Days)
California has one of the strongest birthday rules in the country. Each year, starting on your birthday, you have 60 days to switch to any Medigap plan with equal or lesser benefits from any carrier without medical underwriting. You can switch to a lower-cost Plan G from a different carrier every year if you find a better rate.
Guaranteed Issue Rights
Federal law provides guaranteed issue rights in specific situations, such as when your Medicare Advantage plan leaves your area, your employer group coverage ends, or your current Medigap carrier goes bankrupt. In these cases, carriers must accept you without health questions.
Free Look Period & HICAP
California provides a 30 days free look period after purchasing a Medigap policy. If you are not satisfied, you can cancel for a full refund. California also offers the HICAP program (Health Insurance Counseling and Advocacy Program), which provides free, unbiased Medicare counseling.
How to Enroll in Plan G in California
Confirm you have Medicare Part A and Part B
You must be enrolled in both Medicare Part A and Part B before you can purchase a Medigap plan. If you are turning 65, make sure your Part B enrollment is active.
Compare rates from multiple carriers
Since every Plan G covers the same benefits, the only difference is the premium. Compare quotes from at least 3-5 carriers in your California zip code to find the best rate.
Apply during your open enrollment period
Your 6-month Medigap open enrollment period is your best window. During this time, carriers must accept you at standard rates regardless of health conditions.
Review your policy during the 30 days free look period
After your policy starts, you have 30 days to review it. If you are not satisfied for any reason, you can cancel for a full refund of premiums paid.
Frequently Asked Questions: Plan G in California
Find the Lowest Plan G Rate in Your Area
The same Plan G can cost 50% more from one carrier to another in the same zip code. Compare rates from 21+ carriers in California to make sure you are not overpaying.
Compare Plan G RatesOr call (888) 441-0465 to speak with a licensed agent