In Los Angeles, California, 1,359,299 beneficiaries receive Part A and Part B Medicare Plans. 566,247 beneficiaries receive these services via fee-for-service (FFS) programs, while 793,052 beneficiaries use a Medicare Advantage (MA) Plan. Below, we’ll determine the best Supplemental Medicare options for the latter demographic in Los Angeles, California.

Medicare Plans in Los Angeles, California

Traditional California Medicare plans leave beneficiaries paying up to 20% of all medical costs. Supplemental Medicare Plans assist with those extra costs by covering out-of-pocket fees. Here, we’ll discuss optimal supplemental plans, but remember, we’ve based our quotes below primarily on males aged 65 and older.

Medicare Advantage plans

Los Angeles has 71 Medicare Advantage plans and is one of only 51 counties with over 60 programs. Fortunately, 793,052 MA beneficiaries, or 58.34%, are taking advantage of Medigap. Medicare Advantage plans for California are also covered.

One of the top Medicare Advantage plans includes UnitedHealthcare. It has an $800 maximum out-of-pocket (MOOP) cost and a zero-dollar premium. This HMO-POS plan also has a four-star rating.

Another low-cost plan includes Central Health, an HMO plan with a slightly higher MOOP of $990. It has a lower rating of three stars. However, it has a zero-dollar premium.

Wellcare, a five-star Medicare in Los Angeles, California, offers one of the highest MOOPs at $2,900. Also, beneficiaries pay a $120 copay for emergency services. However, they provide zero-dollar premiums.

The average cost of Medicare Advantage plans in Los Angeles, California

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $0 $800 HMO-POS 4
Central Health $0 $990 HMO 3
Aetna $0 $2,000 HMO 4
Kaiser Permanente $0 $2,900 HMO 5
Wellcare $0 $2,900 HMO 5

Medicare Supplement plans

California’s Medicare Supplement plans, or Medigap plans, are additional plans covering what traditional Medicare plans can’t. They cover out-of-pocket expenses with set benefits and only differ in monthly premiums between states.

Among these plans is Medigap Plan F. Plan F covers all costs, from Part A and Part B deductibles to Hospital Reserve Days. Its highest premiums, though, range from $179.35 to $372.30.

Medigap Plan HDF is a high deductible Plan F. It covers most of the exact costs but requires the beneficiary to pay out of pocket before the carrier provides funds. This plan has one of the lowest premiums ranging from $34 to $79.

Plan N covers most costs, except Part B Deductibles and Part B Excess Charges. It also requires copays for Part B Coinsurance, which costs $20 for office visits and $50 for emergency visits. Plan N premiums range from $98.26 to $220.38.

The average cost of Medicare Supplement plans in Los Angeles, California

PLAN A $97.07 $289.50
PLAN B $169.36 $268.27
PLAN C $177.57 $331.49
PLAN D $128.01 $268.83
PLAN F $179.35 $372.30
PLAN HDF $34.00 $79.00
PLAN G $128.18 $245.57
PLAN HDG $36.50 $81.08
PLAN K $62.48 $123.00
PLAN L $112.08 $175.00
PLAN N $98.26 $220.38

Medicare Part D prescription drug plans

For regular prescriptions, Medigap and most MA Plans won’t cover costs. Luckily, multiple individual Part D Plans can help. All of California’s Medicare Part D plans are covered for all locations.

For the cheapest alternative, turn to Aetna. Its Part D Plan has a low $7.70 premium and a $480 deductible. However, it also has a lower rating of three stars.

UnitedHealthcare has a four-star rating. It also has a high monthly premium of $29.30. Still, it averages out with a lower deductible of $310.

Humana has another four-star rated Part D Plan. It has a lower premium of $24.20. It also has an average deductible of $480.

The average cost of Medicare Part D plans in Los Angeles, California

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

Special Needs plans

Special Needs Plans aren’t commonly incorporated into traditional Medicare in Los Angeles, California. What’s more, SNPs aren’t available in all parts of each county. However, beneficiaries of the following plans receive special needs and chronic illness assistance.

Wellcare is an HMO plan for those with chronic or disabling illnesses. It has a MOOP of $1,500. It also has a zero-dollar premium.

Central Health catches the eyes of many beneficiaries with its unusual zero-dollar MOOP and premium costs. It also serves dual beneficiaries. It covers those who already have both Medicare and Medicaid benefits.

For beneficiaries requiring institutional care, trust Align Senior Care. This HMO plan type has a $3,500 MOOP. It also has a zero-dollar premium.

The average cost of Medicare Special Needs plans in Los Angeles, California

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

How to sign up for Medicare plans in Los Angeles

No matter what Supplemental Medicare in Los Angeles, California, you’re looking for, we at Medigap can help. Our company works with all carriers to find you the best deals and coverage; our services are free.

Call us at the number above, or fill out our form today!

Written By:
Picture of the author
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:
Picture of the expert
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.