San Francisco Medicare Supplement Insurance Costs
Compare Medigap plan rates from top carriers in San Francisco County
Medicare Supplement (Medigap) premiums in San Francisco can vary by more than 100% between insurance companies for the exact same plan benefits. Every insurer must offer identical coverage for a given plan letter � the only difference is price. Shopping and comparing is the single most effective way to lower your costs.
California is one of a small number of states that requires community rating for Medigap policies. That means insurers cannot charge you more based on your age or gender � every enrollee pays the same premium for the same plan. Your rate will still vary by carrier, however, and the spread between the lowest and highest carrier in San Francisco remains substantial.
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Estimated Medigap Plan G Rates � San Francisco, CA (Zip 94102)
Estimated rates for Zip 94102. Because California requires community rating, premiums do not vary by age or gender � all enrollees pay the same monthly rate for a given plan and carrier. Premiums still vary significantly between carriers for identical Plan G benefits. Source: California Department of Insurance. Contact a licensed agent for current quotes.
| Enrollee Profile | Lowest Monthly Premium | Highest Monthly Premium | Difference |
|---|---|---|---|
| Female, Age 65 (community rated) | $168.00 | $345.00 | 105.4% |
| Male, Age 65 (community rated) | $168.00 | $345.00 | 105.4% |
Note: Under California community rating rules, male and female enrollees of any age pay the same premium for the same plan from the same carrier. The figures above are estimates. Actual rates vary by carrier and are subject to change. Verify current pricing with a licensed California Medicare agent or the California Department of Insurance.
3 Questions to Ask Before You Buy a Medigap Plan in San Francisco
1. Am I comparing the same plan letter across carriers?
Medigap plans are standardized by federal law � a Plan G from Company A covers exactly the same benefits as a Plan G from Company B. The only variable is the monthly premium. Never trade down on coverage without understanding what you are giving up.
2. How does this carrier's rate increase history look?
Some companies offer a low introductory rate, then raise premiums aggressively. Ask your agent for the carrier's rate increase history over the past 5 years. A company averaging 3% annual increases is a much better long-term value than one averaging 8�10%, even if the starting rate is slightly higher. Because California community rates apply to all ages, the rate increase history is especially important � you cannot age into a higher bracket, but a carrier with poor discipline will raise rates across the board.
3. Is this carrier financially stable?
Check the insurer's AM Best financial strength rating before enrolling � look for A- or better. In California, all Medigap insurers must be licensed by the California Department of Insurance, but financial strength varies widely between carriers.