Medicare Supplement Plans (Medigap) In California From Anthem

Medicare Supplement plans in California can help pay for healthcare costs Original Medicare‡ doesn’t cover, including copays, coinsurance, and deductibles. Anthem Medicare Supplement plans also include a prescription savings program, special discounts, and more.

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Choose 2025 if shopping for coverage beginning January 1, 2025.

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Add A Medicare Supplement Plan To Original Medicare‡ To Help Pay Out-Of-Pocket Costs

Flexibility And Peace Of Mind

Original Medicare‡ provides essential healthcare coverage but it can leave you with high out-of-pocket costs. A Medicare Supplement plan can help cover most of these costs, including copays, coinsurance, and deductibles.

 

Medicare Supplement plans in California also provide flexibility so you can see any doctor or hospital in the U.S. that accepts Medicare patients. And your plan goes with you even if you spend part of the year living in a different location.

Valuable Extras

Your Anthem Medicare Supplement plan will work harder for you, with extra perks and programs like these:

  • SilverSneakers®  fitness program
  • ScriptSave/WellRx prescription savings program1
  • SpecialOffers discounts on vitamins and weight loss programs2

Talk one-on-one with a licensed agent to see if an Anthem Medicare Supplement plan is right for you. tel

Types Of Medicare Supplement Plans Offered In California

 

To sign up for Medicare Supplement, you must have Original Medicare‡ Parts A and B. Medicare Supplement insurance plans typically are standardized by the federal government. Each plan is named with a letter, like A, F, G, and N. You'll pay a monthly premium that can help you control costs.

 

The following are brief descriptions of the plans and benefits Anthem offers.

Medicare Supplement Plan A

 

Most Basic Plan 

 

With Plan A, you’ll pay a lower premium, but you’ll also have to pay a deductible when you go to the hospital. It covers basic benefits, plus some of the highest costs of Original Medicare,‡ including Part A inpatient hospital copayments and coinsurance, Part B coinsurance, hospice care, and preventive care.

Medicare Supplement Plan F

 

Broadest Coverage For Some 

 

Plan F has the broadest coverage of Original Medicare‡ out-of-pocket costs. You pay your monthly premium. Plan F helps cover Medicare deductibles, some copayments, and coinsurance. Medicare Supplement Plan F is only available to those who became eligible for Medicare before January 1, 2020. Innovative Plan F is available in California.*

Medicare Supplement Plan G

 

Broadest Coverage For most

 

Plan G has been one of our most popular plans, and offers the broadest coverage for most people. It will pay for out-of-pocket costs that Original Medicare‡ doesn’t cover, except the Medicare Part B deductible.

Medicare Supplement Plan N

 

Lower Premium

 

Medicare Supplement Plan N offers a lower premium with some copays and a small annual deductible. Plan N may be your best option if you’re mainly concerned about covering Original Medicare‡ Part A and Part B coinsurance costs.

*In addition to Medicare Supplement Plan F, Anthem also offers Innovative F in California. This Innovative plan includes preventive benefits for vision and hearing, including frames, lenses, and hearing aids. It also includes 24/7 NurseLine access.

 

After you are enrolled, you’ll need to continue paying your Original Medicare‡ Part A and Part B premiums. For most people, Part A is $0.

Compare Anthem Medicare Supplement Plans And Benefits

 

Use this overview to help you decide which Medicare Supplement plan is right for you and your budget.

Benefits

Plan A

Plan F

Plan G

Plan N

Part A coinsurance and hospital costs

   

   

   

   

Part B coinsurance or copay

   

   

   

Plan N pays

100%

 

of Part B coinsurance

 

Except for certain copayments**

Blood (first 3 pints)

   

   

   

   

Part A hospice care coinsurance or copay

   

   

   

   

Skilled nursing facility care coinsurance

   

   

   

   

Part A deductible

   

   

   

   

Part B deductible

   

   

   

   

Part B excess charge

   

   

   

   

Foreign travel

   

80%

80%

80%

*In addition to Medicare Supplement Plan F, Anthem also offers Innovative F in California. This Innovative plan includes preventive benefits for vision and hearing, including frames, lenses, and hearing aids. It also includes 24/7 NurseLine access.

 

**Except for a copayment of up to $20 for some office visits and up to a $50 copayment for ER visits that don't result in an inpatient admission.

Plan A

Benefits

Part A coinsurance and hospital costs

   

Part B coinsurance or copay

   

Blood (first 3 pints)

   

Part A hospice care coinsurance or copay

   

Skilled nursing facility care coinsurance

   

Part A deductible

   

Part B deductible

   

Part B excess charge

   

Foreign travel

   

*In addition to Medicare Supplement Plan F, Anthem also offers Innovative F in California. This Innovative plan includes preventive benefits for vision and hearing, including frames, lenses, and hearing aids. It also includes 24/7 NurseLine access.

 

**Except for a copayment of up to $20 for some office visits and up to a $50 copayment for ER visits that don't result in an inpatient admission.

Plan F

Benefits

Part A coinsurance and hospital costs

   

Part B coinsurance or copay

   

Blood (first 3 pints)

   

Part A hospice care coinsurance or copay

   

Skilled nursing facility care coinsurance

   

Part A deductible

   

Part B deductible

   

Part B excess charge

   

Foreign travel

80%

*In addition to Medicare Supplement Plan F, Anthem also offers Innovative F in California. This Innovative plan includes preventive benefits for vision and hearing, including frames, lenses, and hearing aids. It also includes 24/7 NurseLine access.

 

**Except for a copayment of up to $20 for some office visits and up to a $50 copayment for ER visits that don't result in an inpatient admission.

Plan G

Benefits

Part A coinsurance and hospital costs

   

Part B coinsurance or copay

   

Blood (first 3 pints)

   

Part A hospice care coinsurance or copay

   

Skilled nursing facility care coinsurance

   

Part A deductible

   

Part B deductible

   

Part B excess charge

   

Foreign travel

80%

*In addition to Medicare Supplement Plan F, Anthem also offers Innovative F in California. This Innovative plan includes preventive benefits for vision and hearing, including frames, lenses, and hearing aids. It also includes 24/7 NurseLine access.

 

**Except for a copayment of up to $20 for some office visits and up to a $50 copayment for ER visits that don't result in an inpatient admission.

Plan N

Benefits

Part A coinsurance and hospital costs

   

Part B coinsurance or copay

Plan N pays

100%

 

of Part B coinsurance

 

Except for certain copayments**

Blood (first 3 pints)

   

Part A hospice care coinsurance or copay

   

Skilled nursing facility care coinsurance

   

Part A deductible

   

Part B deductible

   

Part B excess charge

   

Foreign travel

80%

*In addition to Medicare Supplement Plan F, Anthem also offers Innovative F in California. This Innovative plan includes preventive benefits for vision and hearing, including frames, lenses, and hearing aids. It also includes 24/7 NurseLine access.

 

**Except for a copayment of up to $20 for some office visits and up to a $50 copayment for ER visits that don't result in an inpatient admission.

When Can I Enroll? 

 

You can enroll in a Medicare Supplement plan anytime in California if you already have Original Medicare‡ Part A and Part B. The best time to enroll is during the Medigap Open Enrollment Period, starting the first month you have Medicare Part B and you’re 65 or older.

When you enroll during this time, you cannot be denied coverage even if you have pre-existing health problems.

If you enroll later, you may be denied coverage because of a pre-existing condition.

You also can enroll during your Initial Enrollment Period, starting three months before you turn 65, and ending three months after the month you turn 65.

Learn More About Eligibility And Enrollment 

Add Prescription Drug, Dental, And Vision Coverage 

 

Medicare Supplement plans do not include prescription drug coverage, and most do not include dental, vision, or hearing coverage. That’s why you should consider adding these benefits with Anthem standalone plans, including an Anthem Prescription Drug (Medicare Part D) plan for an additional premium.

California also offers Innovative Plan F that includes preventive benefits for vision and hearing, including frames, lenses, and hearing aids, as well as 24/7 NurseLine access.

Explore Anthem Prescription Drug Plans 

 

Explore Anthem Dental And Vision Plans 

Frequently Asked Questions About Medicare Supplement Plans

Learn About Plans In Your State

California Colorado Connecticut Georgia Indiana Kentucky Maine Missouri Nevada New Hampshire New York Ohio Virginia Wisconsin

If your state isn't listed, visit www.bcbs.com for other coverage options.

Read Our Medicare Articles

 

Compare the differences between Medicare Supplement vs. Medicare Advantage plans. You can also take a deeper dive into other articles offering detailed information about Medicare plans, benefits, eligibility, and more.

Broaden Your Knowledge

Ready To Shop?

Enter your Zip Code below to find plans available in your area.

A ZIP code helps us find plans in your area.
Your plan options may vary by region or county.
Choose 2025 if shopping for coverage beginning January 1, 2025.

Have questions? Talk to a licensed agent:

tel

‡Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance).

 

1DISCOUNT ONLY – NOT INSURANCE. Discounts are available exclusively through participating pharmacies. The range of the discounts will vary depending on the type of prescription and the pharmacy chosen. This program does not make payments directly to pharmacies. Members are required to pay for all prescription purchases. You may contact customer care anytime with questions or concerns, to cancel your registration, or to obtain further information. This program is administered by Medical Security Card Company, LLC, of Tucson, AZ.

 

2Vendors and offers are subject to change without prior notice. Anthem Blue Cross does not endorse and is not responsible for the products, services or information offered by the vendors or providers. We negotiated the arrangements and discounts with each independent vendor or provider in order to assist our members. These discounts are not insurance and are not part of the Medicare Supplement insurance plans.

Please check with your doctor before you start a physical activity program. SilverSneakers is a value-added program. It is not insurance and not part of the Medicare Supplement insurance plans. It can be changed or withdrawn at any time. The SilverSneakers fitness program is provided by Tivity Health, an independent company. SilverSneakers is a registered trademark of Tivity Health, Inc. © 2025 Tivity Health, Inc. All rights reserved.

Anthem Blue Cross, a Medicare Advantage organization with a Medicare Contract, offers HMO, HMO D-SNP, HMO C-SNP, and HMO I-SNP plans. Anthem Blue Cross Partnership Plan, a Medicare Advantage Organization with a Medicare Contract, offers HMO and HMO-CSNP plans. Anthem Life and Health Insurance Company, a Medicare Advantage Organization with a Medicare Contract, offers LPPO, LPPO D-SNP, and LPPO C-SNP plans. Anthem Blue Cross HMO D-SNP plans and Anthem Life and Health Insurance Company LPPO D-SNP plans additionally contract with state Medicaid programs. Anthem BC Health Insurance Company, a Medicare Advantage Organization with a Medicare Contract, offers LPPO plans.  Enrollment in an Anthem Blue Cross, Anthem Blue Cross Partnership Plan, Anthem BC Health Insurance Company and Anthem Life and Health Insurance Company plans depend on contract renewal.

For Medicare Supplement only: Not connected with or endorsed by the U.S. government or the federal Medicare program.