Compare Plan G, Plan N, and High-Deductible Plan G from multiple carriers — and use the California Birthday Rule to save year after year.
What is a Medicare Supplement (Medigap) plan?
A Medicare Supplement (Medigap) plan is private insurance that pays the gaps Original Medicare leaves behind — the 20% Part B coinsurance, hospital deductibles, and skilled nursing facility coinsurance. With a Medigap plan like Plan G, you can see any doctor or hospital nationwide that accepts Medicare, with predictable monthly costs. California adds a powerful consumer protection: the Birthday Rule, which lets you switch carriers each year without medical underwriting.
Compare Medigap Plans Available in Orange County
Premiums shown are typical OC ranges for non-tobacco users at age 65. Actual rates vary by carrier, age, and zip code.
Why Choose Medigap in Orange County
The California Birthday Rule — Your Annual Savings Window
Each year, starting on your birthday and lasting 60 days, you can switch your Medigap plan to any plan of equal or lesser benefit at any carrier — with no medical questions, no underwriting, and guaranteed acceptance.
This means if your Plan G premium has crept up over the years, you can move to a different carrier offering the exact same Plan G benefits at a lower price. We re-shop every Orange County client’s Medigap during their birthday window — and most years, we find savings of $300–$1,000 per year.
Mark your calendar. Call us 30 days before your birthday so we can have rates ready the moment your window opens.
Medigap Help Across Orange County
Medicare Supplement Orange County — FAQ
Related Orange County Resources
Any Doctor Nationwide
California Birthday Rule
Predictable Monthly Cost
We Compare All 15+ CA Carriers
Free Annual Re-Shop
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Frequently Asked Questions
What is Medicare Supplement (Medigap)?
Medicare Supplement insurance — also called Medigap — is a private insurance policy that pays the gaps left by Original Medicare (Parts A and B). It covers things like the 20% Part B coinsurance, hospital deductibles, and skilled nursing facility coinsurance. With a Medigap plan like Plan G, you can see any doctor in the U.S. that accepts Medicare and your out-of-pocket costs are highly predictable." },
{ question: "How does the California Birthday Rule work for Medigap?
How does the California Birthday Rule work for Medigap?
California’s Birthday Rule lets Medigap policyholders switch to any Medigap plan of equal or lesser benefit each year without medical underwriting. The window opens on your birthday and lasts 60 days. If you’re currently on Plan G with one carrier, you can switch to Plan G with a cheaper carrier — guaranteed acceptance, no health questions. We re-shop every client during this window." },
{ question: "What’s the difference between Plan G and Plan N in Orange County?
What’s the difference between Plan G and Plan N in Orange County?
Plan G covers everything Original Medicare doesn’t, except the Part B deductible ($283 in 2026). Plan N is similar but adds small copays — $20 for office visits, $50 for ER visits — and doesn’t cover Part B excess charges. Plan G premiums in OC typically run $140–$220/month; Plan N runs $110–$170/month. Plan G is the safer choice for most; Plan N saves money for healthier seniors who rarely visit the doctor." },
{ question: "How much does Medicare Supplement cost in Orange County?
How much does Medicare Supplement cost in Orange County?
Medigap premiums in Orange County for 2026 range from $50/month (High-Deductible Plan G) to $280/month (Plan F for existing holders). Plan G — the most popular new enrollment — typically costs $140–$220/month for a 65-year-old non-tobacco user, depending on carrier. Premiums increase with age but California’s community-rated carriers offer more stable pricing." },
{ question: "Can I keep my Hoag, UCI, or MemorialCare doctors with Medigap?
Can I keep my Hoag, UCI, or MemorialCare doctors with Medigap?
Yes. Medigap plans don’t have networks — any doctor or hospital that accepts Medicare accepts your Medigap. Hoag Hospital, UCI Health, MemorialCare, Providence St. Joseph, and virtually every OC provider accepts Medicare, so you can keep all your current doctors and freely add new specialists." },
{ question: "When can I enroll in Medicare Supplement in California?
When can I enroll in Medicare Supplement in California?
The best time is during your 6-month Medigap Open Enrollment Period, which starts the month you turn 65 and enroll in Medicare Part B. During this window you have guaranteed-issue rights — no medical underwriting. After this window, you may face health questions unless you qualify for guaranteed-issue rights through specific events. California’s Birthday Rule also gives you an annual switch opportunity." },
{ question: "Medigap or Medicare Advantage — which is better for OC retirees?
Medigap or Medicare Advantage — which is better for OC retirees?
Medigap is better if you want maximum freedom (any doctor nationwide), predictable costs, no network restrictions, and you travel or winter outside Orange County. Medicare Advantage is better if you want low monthly premiums, included drug coverage, extra benefits like dental and vision, and you’re comfortable with HMO/PPO networks. We compare both for free for every OC client." },
{ question: "Do I need Part D drug coverage with Medigap?