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HomeMedicare SupplementCaliforniaGlendaleBefore January renewal: Medigap facts for Glendale

Medicare Supplement

Before January renewal: Medigap facts for Glendale

GLENDALE, Calif. — If you have a Medigap policy in Los Angeles County, or you are shopping for one this fall, a few moving pieces are worth understanding before the calendar turns. Medigap itself is not being redesigned for 2026, but the pieces around it — the Part B deductible that Plans G and N sit on top of, insurer rate filings with the California Department of Insurance, and the plan letters you are allowed to buy — all reset or refresh at the start of the year.

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Key takeaways

  • If you became eligible for Medicare on or after January 1, 2020, Plans C and F are off the table for you; Plans A, B, D, G, G-HD, K, L, M, and N remain available.
  • Plans G and N pay after you meet the Part B deductible, which is set by CMS and resets every January 1 — check medicare.gov for the 2026 amount.
  • Medigap premium changes in California are filed with the state Department of Insurance, so any rate adjustment on your policy should show up in a notice from your insurer.
  • The table below lists every insurer selling Medigap in California and which plan letters each one offers.

Here is what Glendale readers should keep an eye on, and where to check the numbers when they are posted.

The plan letters you can actually buy

Medigap plans are standardized by letter, which means a Plan G from one company covers the same medical items as a Plan G from another. What differs is the premium, the company's rate history, and customer service.

If you are newly eligible for Medicare today, you can choose from Plans A, B, D, G, G-HD, K, L, M, and N. Plans C and F are only sold to people who were eligible for Medicare before January 1, 2020, because those plans paid the Part B deductible and federal law closed them to newer enrollees. That rule is not changing in 2026 — it is simply the framework you will still be shopping inside.

The Part B deductible reset that Plans G and N sit on

Two of the most commonly discussed Medigap options, Plan G and Plan N, are built to pay after you meet the Part B deductible each year. That deductible is a federal figure set by CMS, and it resets every January 1. The 2026 amount is published on medicare.gov's Medicare costs page; once you have met it for the year, your Plan G or Plan N picks up its share of covered services as the plan spells out.

Plan N works a little differently at the doctor's office and emergency room — it allows small copays and does not cover Part B excess charges — so if you are comparing G to N, that is the trade-off to weigh, not any brand promise.

Rate-adjustment season in California

Medigap premiums are not fixed by Medicare. Insurers file proposed rates with the California Department of Insurance, and approved changes take effect on the schedule the filing sets. If your carrier is adjusting your premium for 2026, you should receive a written notice.

Two practical steps:

1. When your renewal notice arrives, read it against last year's — the change is stated in the letter. 2. You can also look up filings and consumer rate guides on the California Department of Insurance website (insurance.ca.gov) and check plan-by-plan pricing in your ZIP code using the Medigap policy search at medicare.gov.

Because Medigap is medically underwritten in California outside of protected windows, switching carriers to chase a lower premium is not always possible — that is why the initial six-month Medigap Open Enrollment Period around your Part B start date matters so much.

Which insurers sell Medigap in California

Los Angeles County residents have a broad set of carriers to choose from. The table below lists every insurer currently selling Medigap in California and the plan letters each one offers. Not every company sells every letter — for example, some offer high-deductible Plan G (Plan G-HD) and some do not, and only a subset still sell the closed-to-newcomers Plans C and F to people who remain eligible for them.

Availability can shift when a carrier files to enter or exit the state, so if you are comparing, confirm the current lineup on medicare.gov's Medigap search before you apply.

What to do this fall

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

By the numbers

How people get Medicare in Los Angeles County

57% are on Medicare Advantage
(MA penetration in Los Angeles County)
57%
43%
Medicare Advantage Medicare Supplement (Medigap) Original Medicare only
U.S. average

MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.

Medicare Supplement (Medigap)

The Medigap plans you can buy in California

Medigap plans are standardized by federal law: a Plan G from one insurer covers the same things as a Plan G from any other. Insurers set their own prices, which are not shown here.

PlanWhat it coversOpen to new enrollees
Plan AThe basic benefits every Medigap plan includes: Part A hospital coinsurance and up to 365 extra hospital days, Part B coinsurance, the first three pints of blood, Part A hospice coinsurance.Yes
Plan BPlan A plus the Part A hospital deductible.Yes
Plan CPlan B plus skilled-nursing coinsurance, the Part B deductible and foreign-travel emergency care. Closed to people newly eligible for Medicare on or after January 1, 2020.Only if you were eligible before 2020
Plan DPlan B plus skilled-nursing coinsurance and foreign-travel emergency care (not the Part B deductible).Yes
Plan FEvery standardized benefit, including the Part B deductible and Part B excess charges. Closed to people newly eligible on or after January 1, 2020. A high-deductible version exists.Only if you were eligible before 2020
Plan GEvery standardized benefit except the Part B deductible (which you pay yourself each year). A high-deductible version (G-HD) pays after you meet a yearly deductible.Yes
Plan KPays a share of most cost-sharing (50 percent for several benefits) with a yearly out-of-pocket limit set by federal rules.Yes
Plan LLike Plan K with a larger share (75 percent) and a lower yearly out-of-pocket limit.Yes
Plan MLike Plan D but covers half of the Part A hospital deductible.Yes
Plan NLike Plan G, except a small copayment for some office and emergency-room visits, and it does not cover Part B excess charges.Yes

Source: CMS, Medicare Supplement Insurance (Medigap) rules; medicare.gov.

Who sells Medigap here

Medigap insurers in California

Insurers offering Medigap policies in California, listed alphabetically. Prices vary by insurer for the same letter and are not shown here.

  • AARP - UnitedHealthcare Insurance Company Plans A, B, C, F, G, K, L, N
  • AFLAC Plans A, F, G, N
  • American Retirement Life Insurance Company (CIGNA) Plans A, F, G, G-HD, N
  • Anthem BlueCross - California Plans A, F, G, N
  • Bankers Life (Underwritten by Washington National Insurance Company) Plans A, F, G, G-HD, N
  • Blue Shield of California Life & Health Insurance Company Plans A, F, G, N
  • Continental Life Insurance Company of Brentwood, Tennessee (Aetna) Plans A, B, F, F-HD, G, N
  • Everence Association Inc. Plans A, F, G, N
  • Humana (Humana Insurance Company) Plans A, B, C, F, F-HD, G, G-HD, K, L, N
  • Insurance Company of North America Plans A, F, G, G-HD, N
  • Lumos Insurance Plans A, F, G, N
  • Mutual of Omaha (United World Life Insurance Company) Plans A, F, G, G-HD, N
  • State Farm Mutual Automobile Insurance Company Plans A, C, D, F, G, N
  • United American Insurance Company Plans A, B, C, D, F, F-HD, G, G-HD, K, L, N
  • USAA Life Insurance Company Plans A, F, G, N

Source: Medicare.gov Medigap policy search. No insurer is ranked or recommended.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Do Medigap plans change their benefits every year like Medicare Advantage plans do?
No. Medigap plan letters are standardized by federal law, so a Plan G covers the same items in 2026 that it covered in 2025. What can change is the premium your insurer charges and, for Plans G and N, the Part B deductible amount you pay before the plan begins paying its share.
I turned 65 in 2018 and have Plan F. Do I have to switch in 2026?
No. If you were eligible for Medicare before January 1, 2020, you can keep Plan F (or Plan C). The 2020 rule only closed those plans to people who became newly eligible on or after that date.
How do I know if my Medigap premium is going up next year?
Your insurance company is required to notify you in writing before a rate change takes effect. You can also review filings and consumer rate guides through the California Department of Insurance at insurance.ca.gov, or compare current premiums for your ZIP code using the Medigap policy search on medicare.gov.
Can I switch Medigap plans during the fall Annual Enrollment Period?
Not automatically. The October 15 – December 7 window applies to Medicare Advantage and Part D. To change Medigap plans in California outside of your initial six-month Medigap Open Enrollment or a guaranteed-issue situation, you generally have to go through medical underwriting. Call 1-800-MEDICARE or HICAP to talk through your options. ## Where to get help Medicare: medicare.gov or 1-800-MEDICARE (1-800-633-4227), 24/7. California Department of Insurance: insurance.ca.gov, for rate filings and consumer guides. HICAP (California's SHIP): 1-800-434-0222, for free one-on-one counseling in Los Angeles County.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • Medicare.gov Medigap policy search and state insurance-department rate guides
  • CMS — Medicare costs & IRMAA (medicare.gov)

For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.

Also for Glendale

Content Integrity Standards

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This page was last updated: September 2026.

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