In Fresno, California, 104,798 of 169,441 Fresno residents are enrolled in the federal Medicare program and pay individually for each medical service. A total of 64,643 residents are Medicare Advantage (MA) beneficiaries receiving added health insurance from private insurance companies. Below, we’ll delve more into supplemental Medicare health plans in Fresno, California.

Medicare plans in Fresno, California

Traditional (or FFS) Medicare in California policies cover 80% of costs, leaving patients to pay up to 20% out of pocket. Typically, 38.15% of Fresno residents, 71 or older, Medicare Supplemental healthcare covers what Original Medicare doesn’t. There are a few supplemental Medicare plan types, including Medicare Supplement and Medicare Advantage plans.

Medicare Advantage plans

About 64,643, or 38.15% of Fresno, California, Medicare beneficiaries are members of the 25 existing Part C Medicare Advantage plans. 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, 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.

HMO-type Medicare Advantage plans require in-network providers and referrals for specialists. PPO plans give you more freedom to choose the providers you want. However, using out-of-network providers will result in higher out-of-pocket costs.

The average Medicare Advantage plans in Fresno, California

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

Medicare Supplement plans

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

The cheapest premium Medicare Supplement insurance 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. Prices range from $149.68 to $251.13.

The average cost of the Medicare Supplement plans in Fresno, California

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

Medicare Part D prescription drug plans

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

Humana has a four-star rating as a Part D Plan. It has a premium of $24.20, which falls below the average $33 monthly premium plan. 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 prescription drug plans at $7.70 monthly and a $480 deductible. However, their rating is slightly lower at three stars.

The average cost of Medicare Part D plans in Fresno, California

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

Special Needs plans

Medicare in Fresno, California, also consists of Special Needs Plans. These plans help beneficiaries with special needs and chronic disabilities. While SNPs are ’t 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.

The average cost of Medicare Special Needs plans in Fresno, California

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 to sign up for Medicare plans 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 to speak with a licensed insurance agent specializing in Medicare.


Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.