There are 234,941 Medicare beneficiaries currently living in San Jose. 51% participate in a Medicare Advantage plan, numbering over 120,000 members. This article will discuss the supplemental plans available to Medicare beneficiaries in San Jose, California.

San Jose, California Supplemental Medicare Plans

California Medicare plans have a variety of benefits and are a good option for most Medicare beneficiaries. Medigap and Medicare Advantage plans are available in San Jose for parts A and B and can supplement your coverage in crucial ways.

In San Jose, CA, the average age of Medicare Advantage plan members is 74, with members split 45/55 between females and males. The prices below are based on a 65-year-old female, but they should give you a good idea of what to expect.

Affordable Medicare Advantage Plans in San Jose, California

Many Medicare beneficiaries in San Jose, CA, have found enrolling in a California Medicare Advantage plan advantageous. The current number of members in these plans in the area totals 120,528. Located in San Mateo County, those in San Jose, CA, have access to 39 different Medicare Advantage plans, precisely the national average.

United Healthcare (HMO) offers a four-star rating and a zero-dollar monthly premium. With a maximum out-of-pocket (MOOP) of 4,000 dollars, United Healthcare is a reliable option for beneficiaries searching for affordable Medigap plans.

Another excellent option is Brand New Day, an HMO offering zero-dollar monthly premiums. However, what differentiates Brand New Day is its MOOP, set at $999. Still boasting a three-star rating, Brand New Day allows members to save money without sacrificing quality.

Aetna (Local PPO) offers a solid alternative for users who avoid HMO options. Aetna has a four-star rating and zero-dollar monthly premiums, providing many advantages to users who prefer PPO coverage. However, it’s essential to consider that the MOOP, set at $6,700, is higher than the available alternatives.

PLAN PREMIUM MOOP Plan Type Star Rating
Alignment Health $0 $4,900 HMO 4
UnitedHealthcare $0 $4,000 HMO 4
Blue Shield of California $0 $3,400 HMO 3
Brand New Day $0 $999 HMO 3
Aetna $0 $6,700 LOCAL PPO 4

Average Medicare Supplement Plans in San Jose, CA

California Medicare Supplement plans offer increased coverage to enrolled beneficiaries. These plans can cover expenses that would otherwise be the patient’s responsibility. The government standardizes these plans, so benefits remain consistent while premiums change based on location.

Medigap Plan F is a popular choice for Medicare beneficiaries in the area, with premiums ranging from $150-$281. In addition, this plan covers all Medicare costs for eligible beneficiaries, making it an option worth considering.

Another available option is Medigap Plan N. This option allows beneficiaries to minimize deductibles while not paying unreasonable premiums. The monthly premiums for this plan range from $91-$166.

Medigap Plan G is also commonly selected. This plan provides similar coverage to Plan F but doesn’t cover Part B deductibles. Premiums are lower than Plan F, ranging from $115- $206.

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 $281.55
PLAN HDF $32.00 $70.00
PLAN G $115.00 $206.33
PLAN HDG $35.00 $62.00
PLAN K $46.16 $108.00
PLAN L $83.28 $153.00
PLAN N $91.72 $166.95

Cheapest Medicare Part D in San Jose, CA

California Part D plans give coverage for prescription medications to Medicare beneficiaries. None of the Medigap plans provide this coverage, so Part D plans are essential if you choose a Medigap plan.

Aetna plans cost $7.50 in monthly premiums with a $480 deductible. Humana Part D plans have a 4-star rating and $480 deductibles with a $22.70 premium. Clear Spring Health is another option in San Jose, charging $19.70 with the same deductible as the other options.

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

Medicare Special Needs Plans in San Jose, CA

Special-Needs Plans are a specific Medicare Supplement available to patients with conditions requiring special attention. Exploring these plans is worth it if you or a loved one has special needs or disabilities.

PLAN PREMIUM MOOP Plan Type Eligibility
Brand New Day $0 $3,450 HMO Chronic or Disabling
Anthem Blue Cross $0 $3,000 HMO Institutional
Imperial Health $0 $2,999 HMO Chronic or Disabling
Align Senior Care $0 $3,500 HMO Chronic or Disabling
Kaiser Permanente $31.40 $3,400 HMO Dual


Does Medicare cover dental in San Jose, CA?

No, but Medicare Advantage plans or state options may provide this coverage. Many Medicare Advantage plans include extras like dental, vision, and hearing coverage.

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

If you currently receive Social Security payments, yes. If you’re not already receiving Social Security benefits, you’ll need to apply for Medicare.

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

When you’re ready to enroll, contact the SSA at You can enroll online, over the phone, or in person.

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

Applications typically take a few weeks to process. However, it’s recommended to apply three months prior to your 65th birthday. This is also called your Initial Enrollment Period.

How to Sign Up for Supplemental Medicare in San Jose

If you’re a Medicare beneficiary in San Jose, California, interested in Medigap coverage, we can help. Call today or fill out our form to get rates! Our staff are experts in navigating the Medicare system and will work with you to find coverage that meets your needs.

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.