There are 566,923 current Medicare beneficiaries living in San Diego. More than half of these beneficiaries currently participate in a Medicare Advantage plan, bringing various benefits. This article will provide helpful information for anyone using Medicare in San Diego, California.

San Diego, California Supplemental Medicare Plans

Both Medicare Advantage and Medigap are available to beneficiaries as a way to extend their California Original Medicare plan coverage. In San Diego, the average age of those enrolled in MA plans is 72, precisely the same as the national average for the program.

Affordable Medicare Advantage Plans in San Diego, California

While Medicare Advantage membership in San Diego skews more towards females than the national average, these plans can be helpful for anyone in the area. There are 60 different Medicare Advantage plans in the area, giving residents an excellent variety. Medicare Part C plans in California must cover the same as Original Medicare.

Brand New Day is an excellent option for those with Medicare in San Diego. Brand New Day offers a well-balanced plan with a three-star rating, zero monthly premiums, and a reasonable maximum out-of-pocket (MOOP) of $999.

For users prioritizing cost, Imperial Health is even more affordable. Although their rating is only two stars, they offer zero-dollar monthly premiums and a MOOP of $899.

Finally, United Healthcare provides San Diego’s medical beneficiaries with a premium option. Premiums are free, but the plan’s MOOP is $3,400. However, this cost is matched with excellent service, as United has earned a four-star rating for their program.

PLAN PREMIUM MOOP Plan Type Star Rating
Unitedhealthcare $0 $3,400 HMO 4
Brand New Day $0 $999 HMO 3
Imperial Health $0 $899 HMO 2
Aetna $0 $3,400 HMO 4
Alignment Health $0 $2,900 HMO 4

Average Medicare Supplement Plans in San Diego, CA

While the government standardizes the benefits of these plans, the premiums you pay will depend on your location. Medigap plans play the crucial role of covering expenses that would otherwise fall to the patient. California Medicare Supplement plans add to the benefits of regular Medicare.

Medigap Plan F provides complete coverage, as it covers all charges the beneficiary is responsible for with Medicare. However, while it offers excellent security, Plan F comes with higher costs, with premiums ranging from $155 to $355.

High-deductible plans offer an alternative to beneficiaries who want to pay lower premiums without sacrificing coverage. For example, beneficiaries who choose Medigap Plan HDF will receive the same coverage as Plan F while paying between $41-$84, although it’s important to consider the higher deductible.

Plan N offers a solid middle-ground, with lower deductibles than HD plans and reasonable premiums. With Medigap Plan N, beneficiaries in San Diego pay less for doctor’s visits and spend $120-$216 on monthly premiums.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $118.66 $274.60
PLAN B $177.00 $262.80
PLAN C $217.43 $325.60
PLAN D $158.19 $264.14
PLAN F $194.10 $355.19
PLAN HDF $41.00 $84.00
PLAN G $145.69 $260.40
PLAN HDG $41.00 $77.00
PLAN K $69.69 $123.00
PLAN L $124.79 $173.00
PLAN M N/A N/A
PLAN N $120.79 $216.69

Cheapest Medicare Part D in San Diego, CA

Because Medigap and some Medicare Advantage plans do not cover medication, Part D plans are essential for Medicare coverage. These California prescription drug plans will cover the costs of your doctor’s medication, keeping your treatment costs manageable.

For Medicare beneficiaries in San Diego, a Part D plan with Aetna will cost $7.50 monthly with a $480 deductible. A Wellcare plan will offer the same deductible while charging a monthly premium of $10.90. Unitedhealthvare plans offer a $310 deductible, but premiums are higher at $30.50.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $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

Medicare Special Needs Plans in San Diego, CA

Special-Needs Plans, also knowns as SNPs, are a good option for beneficiaries with conditions that require specific care. These plans are not universally available, but they can make a big impact on those who qualify.

PLAN PREMIUM MOOP Plan Type Eligibility
Align Senior Care $0 $3,500 HMO Chronic or Disabling
Alignment Health $0 $1,000 HMO Chronic or Disabling
Brand New Day $0 $3,450 HMO Institutional
Blue Shield of Cal. $0 $6,700 HMO Dual
Wellcare $0 $3,450 HMO Dual

FAQs

Does Medicare cover dental in San Diego, CA?

The answer is a bit complicated, but generally, no. If you need dental coverage, Medicare Advantage plans or state healthcare can provide this coverage.

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

Yes, if you receive Social Security benefits, enrollment will occur automatically.

Is Medicare deducted from Social Security in San Diego, CA?

Yes, the premium for Medicare Part B is typically deducted directly from your Social Security payments.

How do I enroll in Medicare in San Diego, CA for the first time?

If you’re interested in enrolling in Medicare, you can reach the Social Security Administration at ssa.gov.

How long does it take to get Medicare Part B in San Diego, CA?

Timing varies, but you should expect to wait 2-4 weeks for processing.

How to Sign Up for Supplemental Medicare in San Diego

We know navigating the world of Medicare can be complicated, so Medigap is here to help. Our friendly staff is passionate about helping our clients find coverage plans that meet their health and budget needs. If you’re ready to improve your Medicare coverage in San Diego, fill out our form or call today at the number above.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. 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.