What is included in Medigap, and what is left out
You keep Part A and Part B. A standardized Medigap letter helps with some of the costs Original Medicare leaves behind. It generally does not include Part D prescriptions, and it generally does not add dental, vision, or hearing extras. You usually add a separate Part D plan if you need outpatient drug coverage.
Letters, not company names
In California, Medigap benefits are standardized by letter (for example Plan G or Plan N). Plan G from one company is designed to cover the same core benefits as Plan G from another. Premiums, household discounts, and rate history are not standardized. This website does not name a “best” company or letter.
When you can buy without health questions
Federal guaranteed-issue rights are strongest during Medigap Open Enrollment — typically the six months after you are 65 or older and enrolled in Part B. California also has an annual birthday window for people who already have a Medicare Supplement (see the Birthday Rule article). Outside those windows, insurers may use medical Health questions a Medicare Supplement company may ask. The company can charge more or decline the application. Some windows do not allow those questions.. Confirm current rules with the California Department of Insurance and Medicare.gov.
Plan F and newly eligible people
Plan F is generally not available to people newly eligible for Medicare after January 1, 2020. People who already have Plan F may keep it. Ask for the outline of coverage before you compare premiums.