Medicare Supplement Plan F Rates in California
Plan F provided the most comprehensive coverage available, including the Part B deductible. However, it's no longer available to new Medicare enrollees who became eligible after January 1, 2020. If you're already on Plan F, you can keep it. In California, Plan F rates average around $189/month for age 65 — but prices vary significantly by carrier.
Compare California Plan F Rates →✅ What Plan F Covers
- ✓ Part A hospital coinsurance and costs up to an additional 365 days after Medicare benefits are exhausted
- ✓ Part A hospice care coinsurance or copayment
- ✓ Part A deductible ($1,632 in 2024)
- ✓ Part B deductible ($240 in 2024)
- ✓ Part B coinsurance or copayment
- ✓ Part B excess charges
- ✓ Skilled nursing facility care coinsurance
- ✓ First three pints of blood
- ✓ 80% of foreign travel emergency care (up to plan limits)
❌ What Plan F Does NOT Cover
- ✗ Prescription drugs (requires separate Part D plan)
- ✗ Dental, vision, hearing
- ✗ Long-term care
California Plan F Rates by Carrier
California Plan F — age 65, female non-smoker estimates
Carrier | Monthly Rate | Rating |
|---|---|---|
| Best ValueAetna | — | A |
| Aflac | — | A+ |
| Anthem Blue Cross Blue Shield | — | A |
| CIGNA | — | A |
| Humana | — | A- |
| Mutual of Omaha | — | A+ |
| UnitedHealthcare (AARP) | — | A+ |
California Plan F Rate Ranges by Age
| Age | Monthly Range | Annual Range |
|---|---|---|
| Age 65 | $166–$223/mo | $1,992–$2,676/yr |
| Age 68 | $186–$250/mo | $2,232–$3,000/yr |
| Age 70 | $200–$268/mo | $2,400–$3,216/yr |
| Age 72 | $216–$290/mo | $2,592–$3,480/yr |
| Age 75 | $246–$330/mo | $2,952–$3,960/yr |
| Age 78 | $283–$379/mo | $3,396–$4,548/yr |
| Age 80 | $311–$417/mo | $3,732–$5,004/yr |
How Plan F Compares
Plan F vs Plan G: Plan F costs $40-70 more per month than Plan G but covers the $240 Part B deductible. You'd need to use it 2-3+ times per year for Plan F to make financial sense. Most people are better served by Plan G.
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