San Francisco Medicare Supplement Insurance Costs
Compare Medigap plan rates from top carriers in San Francisco County
Medicare Supplement insurance premiums in San Francisco can vary dramatically from one carrier to the next — even for the identical standardized plan. Residents of San Francisco County shopping for Medigap coverage should expect a wide range of monthly premiums depending on the insurer, with differences that can add up to hundreds of dollars per year. Taking the time to compare rates across multiple carriers before enrolling is one of the most important steps a new Medicare beneficiary in San Francisco can take.
Compare Rates with a San Francisco Medicare Agent
Independent Medicare agents serving San Francisco County are appointed with multiple carriers and can provide side-by-side premium comparisons at no cost to you. Because Medigap benefits are standardized by the federal government, the only meaningful difference between the same plan offered by two carriers is the price — making comparison shopping straightforward with the help of a local agent.
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Estimated Plan G Medigap Rates — San Francisco, California (Zip 94102)
Estimated based on available 2018 Plan F market data (Plan F lowest: $140.62/mo, highest: $208.92/mo for a 65-year-old female non-smoker). Plan G rates are estimated at approximately 10% less than Plan F for equivalent coverage. Male rates reflect typical gender-based premium differentials. Contact a licensed agent for current quotes.
| Gender | Lowest Monthly Premium | Highest Monthly Premium | Difference |
|---|---|---|---|
| Female, Age 65 (non-smoker) | $126.56 | $188.03 | 48.6% |
| Male, Age 65 (non-smoker) | $136.68 | $203.07 | 48.6% |
3 Questions to Ask Before You Buy a Medigap Plan in San Francisco
1. How many insurance carriers does this agent represent?
Because Medicare Supplement plans are federally standardized, a Plan G from one carrier covers the same benefits as a Plan G from any other carrier. The only variable is price — and sometimes the rate increase history of the company. An independent agent appointed with multiple carriers can show you the full range of available rates in San Francisco County, while a captive agent can only offer one company's prices. Always ask how many carriers an agent is licensed to sell before accepting a quote.
2. What has this carrier's rate increase history been in California?
The California Department of Insurance (CDI) regulates Medicare Supplement insurance in the state and requires carriers to file rate increases for approval. A plan that looks inexpensive today may have a history of above-average annual increases. Ask your agent to share the carrier's rate increase history in California over the past three to five years. You can also research insurer filings directly through the CDI at insurance.ca.gov.
3. Is this the right time for me to enroll — and can I be underwritten later?
In California, your Medigap Open Enrollment Period begins the month you turn 65 and are enrolled in Medicare Part B. During this window, no insurer can deny you coverage or charge you more due to pre-existing conditions. Outside of this window, most carriers in California can apply medical underwriting, which may result in higher premiums or denial of coverage. California does offer some additional guaranteed-issue protections beyond federal minimums, but it is still important to enroll at the right time. A licensed San Francisco Medicare agent can help you understand your current window and options.