Medicare Plans in California
Compare Options for 2026
As an independent California Medicare advisor, I compare plans from Kaiser, Anthem, Aetna, Humana, UHC, Blue Shield of California, and 15+ more carriers — so you get the right coverage for your doctors, prescriptions, and budget.
Medicare in California: What You Need to Know for 2026
California is home to over 6 million Medicare beneficiaries — the most of any state — making it one of the most competitive and complex Medicare markets in the country. Nearly 55% of California Medicare enrollees choose Medicare Advantage, drawn by the large HMO networks anchored by Kaiser Permanente throughout Northern and Southern California. However, California's Medigap regulations offer additional consumer protections, including a "birthday rule" that allows annual plan changes without medical underwriting — a significant advantage unique to California residents.
Medicare Advantage
Many California plans offer $0 premiums with extensive added benefits. Popular carriers: Kaiser Permanente, Anthem Blue Cross, Aetna, Humana, UnitedHealthcare, Blue Shield of California, Molina.
Best for: Those who want all-in-one coverage within a network
Medicare Supplement (Medigap)
California's unique "birthday rule" lets you switch to an equal or lesser Medigap plan each year within 60 days of your birthday — without medical underwriting. Plans G and N are most popular statewide.
Best for: Flexibility, travel, and seeing any Medicare doctor nationwide
Part D Drug Plans
Dozens of Part D plans available throughout California. HICAP (Health Insurance Counseling and Advocacy Program) provides free counseling. The Extra Help program reduces costs for qualifying low-income beneficiaries.
Best for: Those on Original Medicare needing prescription drug coverage
California Cities & Service Areas
Rodney Cummings serves Medicare beneficiaries across all of California, including:
California Medicare Key Dates & Rules for 2026
- 📅 Open Enrollment: Oct 15 – Dec 7, 2025 (for 2026 coverage)
- 🎂 Turning 65? Your Initial Enrollment Period begins 3 months before your birthday month
- 🎉 California Birthday Rule: Switch Medigap plans annually within 60 days of your birthday — no health questions
- ⚠️ Late enrollment penalty: 10% per year on Part B if you don't enroll on time
Get Your Free California Medicare Review
Tell us your zip code and we'll compare every plan available in your area — at no cost to you.
Get Your Free California Medicare Review
Answer a few quick questions so we can match you with the best options — takes about 2 minutes.
Almost there! How can we reach you?
Or call directly: 503-832-8555 · Book a Free Consultation