In Fresno, California, 104,798 of 169,441 Fresno residents are free-for-service (FFS) beneficiaries, paying individually for each medical service. A total of 64,643 residents are Medicare Advantage (MA) beneficiaries receiving added private health insurance. Below, we’ll delve more into Supplemental Medicare in Fresno, California.

Fresno, California Supplemental Medicare Plans

Traditional (or FFS) Medicare in California policies cover 80% of costs, leaving patients to pay up to 20% out of pocket. That’s why 23% of beneficiaries choose supplemental Medicare to cover what Original Medicare doesn’t. Typically, 38.15% of Fresno residents, 71 or older, choose supplemental Medicare to assist Parts A and B.

Affordable Medicare Advantage Plans in Fresno, California

About 64,643 or 38.15% of Fresno, California, beneficiaries are members of the 25 existing Medicare Advantage plans available. All of the Medicare Advantage options in California are also covered.

Among the most popular plans are Humana, UnitedHealthcare, and Kaiser Permanente.

In 2021, Humana had some of the most significant advantage plan enrollee figures. Humana, an HMO, has a zero-dollar premium and a $6,700 maximum out-of-pocket (MOOP) rate. This four-star rated plan assists 89% of medical beneficiaries across 85% of all counties.

UnitedHealthcare, Humana’s top competitor, serves 6.2 million people in over 130 countries. It has one of the lowest MOOP rates of $3,450. It also has a zero-dollar premium and a four-star rating.

Kaiser Permanente, an HMO plan, is another zero-dollar premium plan to consider when looking for supplemental Medicare in Fresno, California. Its MOOP rate of $5,900 is lower than Humana’s and boasts the only five-star rating on this list.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $6,700 HMO 4
Aetna $0 $4,200 HMO 3
Kaiser Permanente $0 $5,900 HMO 5
Blue Shield of Cal. $0 $2,900 HMO 4
UnitedHealthcare $0 $3,450 HMO 4

Cheapest Medicare Supplement Plans in Fresno, California

Medicare Supplement plans, or Medigap plans in California, cover costs that traditional Medicare does not. Luckily, the government has standardized each plan, and beneficiaries may access benefits regardless of location. Only monthly premiums differ between states.

The cheapest premium plan, Medigap Plan HDF, covers monthly costs from $28 to $64. This High Deductible Plan F covers all costs. However, it does so at a lower premium than Plan F.

Medigap Plan G is more expensive, ranging from $115 to $186.16. Still, it’s popular among those who don’t need to pay a Part B deductible out of pocket. As with Plan HDF, it covers all other costs.

Medigap Plan C covers nearly all costs except Part B excess charges. If the latter doesn’t apply, you’ll get plenty of use from this plan. Costs range from $149.68 to $251.13.

PLAN A $89.84 $205.70
PLAN B $126.16 $203.23
PLAN C $149.68 $251.13
PLAN D $119.60 $203.66
PLAN F $150.32 $264.50
PLAN HDF $28.00 $64.00
PLAN G $115.00 $186.16
PLAN HDG $29.50 $61.47
PLAN K $46.16 $93.00
PLAN L $83.28 $131.00
PLAN N $91.72 $166.95

Average Medicare Part D in Fresno, California

Part D plans are standalone optional prescription programs in California that cover medication costs. While Medigap programs usually don’t cover Part D, some Supplemental Medicare in Fresno, California, does.

Humana has a four-star rating as a Part D Plan. It has a premium of $24.20, which falls below the average $33 premium plan per month. It also has an average deductible of $480.

UnitedHealthcare has one of the highest premiums. It averages $30.50 with a deductible of $480. However, it also has one of the highest ratings as a four-star program.

Aetna has one of the cheapest premiums for Part D at $7.70 per month and a $480 deductible. However, their rating is slightly lower at three stars.

Aetna $7.50 $480 3
Wellcare $10.90 $480 3
Humana $24.20 $480 4
UnitedHealthcare $30.50 $310 4
Clear Spring Health $16.00 $480 2

Medicare Special Needs Plans in Fresno, California

Medicare in Fresno, California, also consists of Special Needs Plans. These plans help beneficiaries with special needs and chronic disabilities. While SNPs are not available everywhere, they benefit those who can partake.

Brand New Day is an SNP with one of the lowest MOOPs of $1,500. This HMO plan assists those with chronic or disabling illnesses. It also has a zero-dollar premium like most other SNPs.

Align Senior Care also accepts patients with chronic or disabling illnesses. However, its MOOP is more than twice as much at $3,500. Still, the premium remains at zero dollars.

Imperial Health has a smaller MOOP of $2,999. It’s an HMO plan ideal for those with dual eligibility. Like the others, it has a zero-dollar premium.

PLAN PREMIUM MOOP Plan Type Eligibility
Anthem Blue Cross $0 $7,550 HMO Dual
Imperial Health $0 $2,999 HMO Dual
Align Senior Care $0 $3,500 HMO Chronic or Disabling
Brand New Day $0 $1,500 HMO Chronic or Disabling
UnitedHealthcare $0 $7,550 HMO Dual


How much is a Medicare Supplement per month in Fresno, California?

Medicare supplement costs vary depending on your Medigap plan, ranging from a $183 HDF Plan to a $381 Plan F.

How do I apply for Medicare in Fresno, California?

For most Medicare in Fresno, California, sign up with a form via the web or phone call. However, remember that options vary from one company to another.

What’s the difference between Medicare Supplement Plans F and G in Fresno, CA?

Once you pay your Plan F premium, it’ll cover all your out-of-pocket costs. Plan G differs, however, since it doesn’t cover Part B deductibles but is perfect for those not requiring coverage in this area.

Is Medicare free in Fresno, California?

While most Medicare supplement plans require you to pay MOOPs and premiums, some health care coverages like Medi-Cal don’t. Medi-Cal is accessible for many, including low-income families.

Do I automatically get Medicare when I turn 65 in Fresno, CA?

Three months before you turn 65, Medicare will automatically send you an enrollment package. You’ll receive Parts A and B and a Medicare card.

How to Sign Up for Supplemental Medicare in Fresno, California

To enroll in FFS Medicare, Medicare Advantage, Medigap, or Plan D, count on our experienced agents to walk you through any procedure. They’ll inform you of the best plan for you if you’re unsure and determine your budget for Supplemental Medicare in Fresno, California. Call us or complete our online form today!

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.