San Diego is one of the California regions where the Medicare Advantage lineup has its own local character. This guide covers the carriers active here, how California's Medigap rules apply, and what to check before you choose, from a licensed independent broker.
San Diego is a competitive Medicare Advantage market with a large retiree base. Kaiser Permanente, SCAN, Health Net, and the Blue plans all have a real presence, and Alignment has grown here as well. Networks and plan quality are generally solid, but as everywhere in California the right plan comes down to which one includes your specific doctors and hospitals.
Medigap rules are set at the state level, not the regional level, so the same California rules apply across San Diego. California falls into this bucket: birthday rule state. For the full explanation of what that means for buying and switching a supplement, see our California Medicare guide and our guide to Plan G vs Plan N. Verify the current California rules before you rely on a specific window.