The regulatory authorities having oversight over Medicare Supplement Insurance products in California are the Department of Insurance (CDI) and Department of Managed Health Care (DMHC). The following table shows the rates approved by the department's Health Actuary Office (HAO) or DMHC, as well as verified by all companies approved to offer or market Medicare Supplement (Medigap) Insurance in California.
Depending on the "search" criteria (i.e. policy type, age, ZIP code, and location / county) you enter, the results on the following page are the annual rate(s) approved by the department's Health Actuary Office (HAO) or DMHC and verified by the insurance company. Based on a California resident and "non-tobacco" user profile, the rate's table is intended to provide a comparison tool for the public to use in making informed decisions addressing their Medicare Supplement (Medigap) needs.
There will be specific columns representing the standardized policy plans (Plans A, B, C, D, F, High-Deductible F, G, High Deductible G, K, L, M, and N). NOTE: Policy Plan F and G are separated into two different columns to differentiate between the "regular F or G" plan and the "High-Deductible F or G" plan. Please make sure that you review the Medicare Supplement (Medigap) Guide for the changes that will be effective as of January 1, 2020. Each plan has a different set of benefits. While companies differ in the rates they charge, the coverages are all the same regardless of the company. Two (2) points that differentiate Medicare Supplement (Medigap) Insurance products are the waiting period and rating methodology. The waiting period is the time between when you get Medicare Supplement Insurance and when coverage starts for a preexisting condition. The rating methodology determines how the premium rates change over time. The results table will also display the company's consumer contact, effective date, and any reported restrictions or explanations.
Please make sure you view the company's reported "Restrictions" or explanations regarding their respective rates for the specific policy type, age, and *ZIP code. If there are no "Restrictions" to view for the respective company, then the company did not report any explanations to CDI. *ZIP codes may also fall under multiple counties and the company may have different Medicare Supplement (Medigap) rates for these *ZIP codes. We encourage you to Contact the Company directly if you have any further questions regarding their rates, *ZIP codes, etc.