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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.
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Benefits
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Plan A
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Plan F*
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Plan G
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Plan N
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|---|---|---|---|---|
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Part A coinsurance and hospital costs |
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Part B coinsurance or copay |
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Plan N pays
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Blood (first 3 pints) |
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Part A hospice care coinsurance or copay |
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Skilled nursing facility care coinsurance |
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Part A deductible |
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Part B deductible |
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Part B excess charge |
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Foreign travel |
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80%
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80%
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80%
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*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 in California anytime 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.
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.
Frequently Asked Questions About Medicare Supplement Plans
Medigap, also known as Medicare Supplement plans, helps fill "gaps" in Original Medicare‡ and is sold by private insurance companies like Anthem. A Medicare Supplement (Medigap) plan can help pay some of the remaining healthcare costs not covered by Original Medicare‡, like copays, coinsurance, and deductibles.
Most people choose Plan F, G, or N. Plan F is only available to those who became eligible for Medicare before January 1, 2020.
The best plan for you may not be the most popular one. The right plan is the one that provides the benefits that meet your needs, with a monthly premium that works with your budget.
For those with Medicare Parts A and B, a Medicare Supplement plan can pay for out-of-pocket costs that Original Medicare‡ doesn’t cover, including:
You can also go to any doctor or hospital that accepts Medicare patients.
Once you’re enrolled, a Medicare Supplement plan can give you peace of mind knowing that your benefits are guaranteed as long as you pay your premiums.
Keep in mind that the plans with the most coverage will have higher premiums.
Additionally, Medicare Supplement plans do not include prescription drug, dental, and vision coverage, but stand-alone plans for these benefits can be purchased for an additional premium.
Talk to an Anthem licensed agent to see whether an Anthem Medicare Supplement plan is right for you.
Anthem plans give you the coverage you need to protect your health and budget. Plus, get SilverSneakers® fitness program, and other value-added programs like ScriptSave/WellRx, a prescription savings program1, and SpecialOffers2, which provides discounts on vitamins and weight loss programs. Our licensed agents are ready to talk with you one-on-one to answer all your questions.
Learn About Plans In Your State
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.
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‡ Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance).
1 DISCOUNT 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.
2 Vendors 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.